BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-02
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Debt of {$56.00} owed to XXXX XXXX  came from unknown source and is not a debt of mine

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 2016-12-13
Company: AMERICAN EXPRESS COMPANY
State: CO
Product: Credit card
Issue: Billing disputes

Complaint:
XXXX issued me an American Express Card which I never received nor activated the card. American Express has turned their annual fees over to collections and have filed it on my credit report. I never received an American Express and the card that they claim was issued has never been activated. I need my credit repaired by American Express.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-21
Company: EQUIFAX, INC.
State: KY
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
When leaving to XXXX XXXX military status I am protected under the Servicememeber Civil Relief Act and XXXX and My apartments I was living in at the time XXXX XXXX XXXX XXXX reported my information. I settle the case with XXXX because they originally had charged me for cancellation which was disputed and removed from them and i paid the remaining bill of around XXXX dollars to close the account. Same with XXXX they have been paid off but under the act it should have never been reported because the only reason why the contracts were broken was due to me changing over to XXXX XXXX status. When disputing this information for the credit agencies, XXXX corrected the matter though I had to dispute it twice. While, equifax and XXXX corrected the balance but refuse to remove the account. I was told to contact the company which was already done because that is how I receive the knowledge to send the credit agencies my information to be removed. Therefore, it is now a pointing game on who needs to remove it from my collection account and it is becoming very frustrating when I have a act in place to protect me from all this. Attached are my order from the time I had to leave for XXXX XXXX status proving the time these companies reported me in collection I was XXXX. This information has also been provided to the credit agencies and still they keep declining the dispute even when I called they informed me that I have to keep it on there for 7 years when it should have not been reported in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-24
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
This account was closed XX/XX/XXXX and paid as agreed and still showing open with Equifax credit report. This is hurting my credit score and my credibility with my over creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-24
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I submitted proof that a XXXX account and a judgment appearing on my credit report was not mine or reporting in error .As of today they have not remove these accounts from my credit reports. Help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02
Company: EQUIFAX, INC.
State: PA
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  Violated my rights Federal Protected consumer rights 15.U.S.C 1681 section states i have the right to privacy. 15 U.S.C 1681 Section 604 A section 2 : states. It's also states consumer reporting agencies can not furnish account without my written instructions. 15 U.S.C 1681c [ a } [ 5 } Second states no consumer report agency may make any consumer reporting containing any of the following items of information any other adverse items of important. Any other items of In accordance with the fair credit reporting act. The list below has Below has violated my Federal Protected consumer rights To privacy and confidentiality under 15 USC 1681 rights. information. Other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C 1681s-2 [ A7 { 1 ) A person Shall not furnish Any information relating to A consumer to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is accurate

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: PORTFOLIO RECOVERY ASSOCIATES 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:
I sent my letter on XXXX XXXX. I told the credit bureaus to investigate every piece of information on the accounts I have listed below. 
For XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PORTFOLIO RECOV ASSOC XXXX XXXX XXXXXXXX XXXX XXXXXXXX Also I have attached the letter sent out. According to the FCRA the term Investigate consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

They stated my accounts were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % accurate. And according to the FCRA 15 USC 1681 everything has to be 100 % accurate. I have the credit report showing inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: Kikoff Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
My account is reporting wrong address and will not let me update it It should have XXXX XXXX XXXX XXXX XXXX Tx XXXX as the only address

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: AMERICAN EXPRESS COMPANY
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:
Investigation Request Letter Date of Birth :XX/XX/XXXX SS # : XXXX To Whom It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. 
I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. 
Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a XXXX XXXXXXXX XXXX XXXXXXXX where this lawyer said you have 30 days to complete this investigation. 
Please investigate the following accounts and remove them if anything is missing or not correct on them. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: Thaxton Investment Corporation
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
I'm under involuntary unemployment Hights Finance specialist XXXX XXXX is intentionally harassing me and has now took it upon herself to infict harm upon me by making false statements on my credit report regarding payments. 

She has totally violated the insurance certificate and she is charging a monthly late fee onto of monthly indemnity payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02
Company: EQUIFAX, INC.
State: NC
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:
On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
After previously disputing this erroneous account, Equifax still deemed the account verified. This account had incorrect account status and I have no idea how a " collection account '' can report " past due '' .. This should have been removed from my report. Please see attached document

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-12
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
Former Address XXXX XXXX XXXX XXXX, SC,XXXXFirst Reported XX/XX/XXXXLast Reported XX/XX/XXXXWe/I have never had this as our address. Our XXXX XXXX address 's : Former Address XXXX XXXX XXXX XXXX XXXX XXXX, SC, XXXXFormer Address XXXX XXXX XXXX XXXX, SC, XXXXFirst Reported XX/XX/XXXXLast Reported XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Credit card
Issue: Billing disputes

Complaint:
During my vacation. I rented a home XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX through XXXX. I agreed to and paid XXXX {$730.00} for the six night stay. In the property description, it was stated that " all rooms had air conditioning and that there was staff on the island dedicated to taking care of all of your needs while staying at our house. '' Upon my arrival, the home was not cleaned and I turned on the air conditioner in the bedroom and it did not work. I contacted the owner and told him that there was an issue with the air conditioner. This was via text. He replied stating that the cleaning lady would be there and she would look at the air conditioner. I stepped out the get dinner and returned only to find that the air conditioner had not been addressed. I called XXXX XXXX and left him a voicemail as well we sent him a text stating that the issue was not resolved. I never heard back from him. I tried calling the cleaning lady repeatedly as well and no response. The next morning I tried calling again both the cleaning lady and XXXX XXXX and no response. I then contacted XXXX to let them know there was a problem and they said I had to deal directly with the owner. I then sent the owner and the cleaning lady a communication that I would vacating the home and that the key would be in the lockbox. I also let XXXX know that I was vacating the home because it was to hot to reside in. 
I ended up checking into another hotel at a much higher rate due to the fact that I had no advance time. 
That same morning I contacted Bank of America to dispute the {$730.00} charge minus the one night stay of {$99.00}. I wanted a partial chargeback of {$630.00}. 
I would like to file a formal discrimination complaint against Bank of America because I feel my dispute was not treated fairly and not properly reviewed. 
Thank you very much for your time and consideration.

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 2022-10-14
Company: EQUIFAX, 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 belongs to someone else

Complaint:
This is my request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXXy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXXy Date Filed/Reported : XX/XX/XXXX Reference # : 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 response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
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: Investigation took more than 30 days

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under XXXX5 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud. 

Fraudulent inquiry XXXX XX/XX/XXXX XXXX XXXX lending account

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 2016-05-31
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I was a victim of identity theft in XX/XX/2015. Someone opened XXXX new phone lines and purchased XXXX iPhones and there was an attempt to purchase XXXX additional lines at another retail store but the clerk did not fall for the fake ID. I disputed the inquiries and accounts and placed a security alert. Both companies involved investigated and it was determined that someone had used my identity to make the purchases. I received letters from both companies and forwarded them to the credit reporting agencies and I believed everything had been removed. Recently I realized that XXXX XXXX XXXX is still reporting a hard inquiry on Equifax. I again disputed this and received a notice from Equifax that this was investigated and determined to be factual. I have a letter from XXXX XXXX XXXX specifically stating that it was determined that there was fraud and that XXXX XXXX XXXX had also notified all three agencies to remove any negative information from my credit report. I do n't understand the investigative process ... ... ..I am forwarding the letter from XXXX XXXX again to Equifax as I do n't know what else to do. I wonder if they even investigate at all. This all happened over a year ago and I am still having to deal with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I received a PreApproval offer from Bank of America to get a cash rewards Credit Card with them. I hesitated and later decided to accept it. I accepted the off only because I was told by them that I was PreApproved, I was then denied. I am okay with not getting the card but now I am stuck with an inquiry that 's not attached to an account. I called today asking for a letter to have it removed because I felt that it was unfair to say I was preapproved and then deny me and leave me with this hard pull. I told the XXXX different agents that I spoke with that I was not upset but only wanted to have the inquiry removed. The first agent was nice and respectful but stated she could not have it removed by law and transferred me to a very rude and disrespectful agent. I feel that this is very unfair and unprofessional.

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 2016-03-28
Company: Navient Solutions, LLC.
State: VA
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:
XXXX 2016 I went online to schedule 2 payments for my student loans. Each payment was set for a reasonable amount under XXXX to ensure my family could budget the payments. XXXX XXXX, 2016 I went online to check my bank account balance and Navient had deducted over XXXX from my bank account which I did not authorize! My family would not be able to live with that amount taken from my account. I was told I would need to issue a stop payment with my bank which I did. Thank goodness my bank is a local community bank and they took care of everything. Navient did not apologize for their error and could not explain to me how the error occurred. They tried to say it was my fault. I would have noticed if I chose the option to pay off my loan when I was setting up the online payments. How can I can make such a large mistake? The system has issues when setting up payments. They took my bank account information and applied the entire loan and deducted the balance from my checking account. I no longer trust the online option and will have to mail a paper check for my loan. I am discouraged in the system especially since my niece has a private loan and I am scared she will have the same issues as I did. I am making every effort to avoid my children having to take out private loans when they go to college.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
It has come to my attention that i have been a victim of Identity Theft for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!

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 2016-08-16
Company: Modern Adjustment Bureau
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
By now Modern Adjustmen Bureau has been served with a small claims case XXXX. All records will be produced on court date. I have attached for the CFPB to review the documents that were served. If you wish to discuss settlement, please consider this an open invitation. 

There is also a pending civil case for vioaltions under FCRA with cc : XXXX XXXX XXXX XXXX, Consumer Protection Attorney XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX I wish to settle both right now for {$1000.00} plus trade line deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-26
Company: ProCollect, Inc.
State: DE
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I got a letter from Pro Collect indicating that they were attempting to collect a debt. I immediately mailed them asking them for : 1 ) name and address of the creditor 2 ) indication of whether this is time barred 3 ) suspension of collection efforts until they have responded. 

I got no response. 
I called on XXXX XXXX and was told I needed to email XXXX procollect. I did so. No response. 

I emailed again on XXXX XXXX and there was no response. 

I called again today ( XXXX ) and was told that I would need to email him once again. I was also told that they would not provide me with the address of the creditor. 

I saw today that the account is now being reported by credit agencies.

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 2022-11-01
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX, Experian, XXXX XXXX, and XXXX are proposing the account details of my XXXX  XXXX bankruptcy, in addition they are reporting the XXXX XXXX car agreement with XXXX XXXX as not paid off. I paid off the vehicle and am in good standing with XXXX XXXX. 

Please, fix these two issues.

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