BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-16
Company: United Consumers Inc
State: VA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
My husband and I owe medical bills. I assume they are a legit debt collector but maybe not. I live with my Mother and I 'm her caregiver so it 's her landline phone. We are financially strapped and this company who shows up on the phone is called UCI. They have called for quite sometime and will not stop. My Mother is not in good health and it 's beyond annoying when they continually call almost daily. I told them today once again to stop calling. We can not pay the bill and I 'm not even sure if their scammers or not. I have XXXX phone numbers they call from. They are harassing us and I want them to stop. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-10
Company: EQUIFAX, INC.
State: GU
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I am currently a victim of financial fraud and Identity theft where unauthorized charges were made on all of my credit accounts and although I incorporated automatic monthly payment procedures on all of my credit accounts, culprits within the credit bureau, within my creditors, and from within my bank, misutilized my credit record, and further recorded erroneous late payments on my EQUIFAX, XXXX credit files. In addition, they attempted to hide their criminal activity by marking more than XXXX my lawful good credit accounts off as CHARGED OFF and XXXX account as a Collection. Myself and XXXX XXXX services incorporated a credit correction campaign spanning more than three years. Despite our lawful attempts to correct and remove the erroneous late charges and delinquencies from my credit files, EQUIFAX, XXXX, have continued in violation of federal law, in violation of fair pattern and practice, and in violation of my civil and constitutional rights, reporting erroneous credit information severely damaging my attempts to buy a house, a car, and to rent. I am severely devastated by their negligence. I am currently a victim in the XXXX. My Victim identification number is # XXXX. I am defamed, slandered, and suffering severe mental anguish. And even though the erroneous late payments and account statuses have been continuously in dispute, EQUIFAXXXXX, have continued to report the disputed accounts to potential creditors!!! Please help. Remove all late payments and restore all of my credit accounts to PAID AS AGREED. The status all of my credit accounts were in prior to XXXX 2013. All were PAID AS AGREED and NEVER LATE.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-21
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
Equifax classified a specific dispute as " fraud '' when I specifically said " outdated '' The items still remain on my report to date even though I have disputed time and time again. I believe they are going to flag my account as frivilous when I have only followed their guidelines. Their incompetence has hurt my ability to obtain an accurate credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I have disputed unauthorized inquiries on  2 o ccasions with the credit bureau and requested they be removed. The credit bureau responded with a form letter explaining what an inquiry is, yet did not address my concerns nor delete the inquiries.    XXXX  Inquiry    XX/XX/XXXX     XXXX  Inquiry   XX/XX/XXXX    XXXX  Inquiry    XX/XX/XXXX     XXXX  Inquiry   XX/XX/XXXX    XXXX   XXXX  Inquiry    XX/XX/XXXX     XXXX   XXXX     XXXX   Inquiry   XX/XX/XXXX    XXXX  Inquiry    XX/XX/XXXX     XXXX  Inquiry    XX/XX/XXXX      XXXX  Inquiry    XX/XX/XXXX   XXXX  I nquiry   XX/XX/XXXX    XXXX   XXXX   XXXX   Inquiry  XX/XX/XXXX    XXXX   XXXX   Inquiry  XX/XX/XXXX  CAP ONE  XX/XX/XXXX    XXXX   XXXX   Inquiry  XX/XX/XXXX    XXXX   XXXX   Inquiry  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 2017-05-18
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: Credit inquiries on your report that you don't recognize

Complaint:
I called  XXXX  and disputed some inaccuracies on my credit file. These were deleted from my filed and when I called   XXXX   and Equifax they are not wanting to comply. I have inquiries from  XXXX  lenders that I have no knowledge of multiple times in one day.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08
Company: CITIBANK, N.A.
State: OR
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Behind on my Sear 's account through Citi Credit Card, that is when the constant calls started, four to six times a day, every day over and over. It is not productive nor is there any good that comes out of constant calling .Calls continue even when you make payments or have made arrangements. 
Last night they called at XXXX, twice at XXXX, XXXX and XXXX, not including the daytime calls. 
I was told if you did not pick up their calls and speak to someone they will continue to call but if I pick up their call then they would not call for three days. I asked why three days, their response was that my financial status could change. I explained to them that there is no way my financial situation will change in three days or anytime soon, I get paid every two weeks not every three days so calling me that often is not productive and it was very irritating and frustrating. 
Phone calls are every day up to six calls a day if not more.

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 2017-05-18
Company: CITIBANK, N.A.
State: PR
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Since XXXX 2017 my record with Citi Bank Corp. reflects that I am XXXX and closed my Sears card on Saturday XX/XX/XXXX I was informed in the Sears store of XXXX XXXX XXXX in XXXX XXXX XXXX XXXX that the system had rejected my card, To investigate today X/XX/2017 I call to the CitiBank and they informed me that its records showed that I had XXXX. I Investigate with the SS and with XXXX and in none this information appears. Citi Bank refuses to fix the error and demand a letter from the SS office. I am a XXXX veteran with a catastrophic condition and it is very difficult for me to go to the SS office. Citibank persists in keeping this false information in its files, which can hurt me in other financial and personal matters. I hope you can help me with this matter. 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 2017-05-18
Company: FIDELITY CAPITAL HOLDINGS, INC
State: CA
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:
XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX , CA  XXXX  PH :  XXXX  I Have tried to resolve this matter but no respond to me nor the BBB are the  XXXX  Credit Bureau. Yet the  Collection Agency  did another inquiry on my Credit Report  XXXX   XXXX    XXXX  .     Although they provided the service for me, they failed to properly bill my insurance carrier, which is  XXXX . Instead, they billed my secondary insurance,  XXXX , which would only pay what  XXXX  does not. I have repeatedly tried to resolve this issue but no avail. Therefore, since it is not my fault for their improper billing with my insurance carriers I hereby disputes this debt in its entirety and demands that you immediately contact your collection agency and cease and desist from your collection efforts and to have your collection agency retract any of adverse reporting to the credit bureau regrading this matter. I was not notify about this bill before you sent it to the collection agency, which show your guilty

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-07
Company: AES/PHEAA
State: TX
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:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-20
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I contacted equifax on XXXX/XXXX/15 regarding a public record listed on my report. I have disputed this item several times and every time they keep coming back stating that it is verified. When asked details of how they verified they refuse to provide me any details. On XXXX/XXXX/15 I spoke to XXXX at equifax over the phone regarding this public record listed on my report and that it is inaccurate and I would like details on how they verified it because I had spoken to the courts that this public record is listed from and they advised that they do not honor any verification requests from any of the credit bureaus. Equifax failed to provide me with details on how they verified this information only stating that it was verified. Per the law I am entitled to request details on the investigation process and as of right now they are willfully non complaint with my request. If they are unable to provide me with details on how they verified this information directly from the courts They need to immediately remove the public record being listed or I will be forced to take legal action against them for non compliance. I want details of how they verified this information, what date they verified it, method of contact with the courts, what was obtained, did they obtain original docket papers from that case.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-27
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I filed a dispute with Equifax credit reporting service regarding incorrect information reported. The DOB reported on my Equifax report is incorrect. The matter was brought to my attention when I applied for a job and the employer did a credit check and the information I 'd reported on my job application regarding my identity was not a match to the information reported to the employer by the credit bureau. 
- I asked Equifax to remove the DOB from my credit report after they 'd told me that in order to correct the incorrect information they 'd require I submit to them my birth certificate. Because I am a victim of identity theft ( the most recent occurrence in XXXX 2016 ) I would not submit to sending in my birth certificate. 
- I did send, however, a document of identification, a copy of a police criminal report pull verifying the year in which my social security number was issued and from which state, and a copy of my social security card. 
- Equifax responded by informing me they would not remove the DOB from my credit report and would continue to report the incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18
Company: REVERSE MORTGAGE INVESTMENT TR
State: FL
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
I received a letter from my mortgage company today in reference to my property taxes. The company has failed to properly maintain my financial accounting records by sending this letter threatening me with foreclosure action. They are in violation of the agreement and sections Of the TIL act and maybe subject to prosecution, for unfair debt collection practices and mortgage fraud, and false reporting to a government agency, ( HU D ),  under the false claim act.     I spoke with a  XXXX   County Tax C ollector today, ( name and phone number available upon request ), and he informed me that I was NOT delinquent on my tax bill.I owe {$670.00}, which is due on  XXXX / XXXX / XXXX , which I have every intention of paying. I have been paying installments since  XXXX  of  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 2015-10-22
Company: Lamont, Hanley & Associates, Inc.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
In XXXX 2009 my personal information was compromised when my car was broken into and my handbag stolen. Since XXXX 2009 a series of accounts have been opened using my personal information this has caused my once great credit to plummet to zero. Over the past 18 months I have had creditors collections agents harass me for balance owed to accounts that I know nothing about and my credit is non-existent and my hopes of purchasing a home is in jeopardy because of I am a victim of Identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-27
Company: Pressler & Pressler, LLP
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I received notifications from Pressler and Pressler on various lawsuits. 
First, they have been sending notices to an address that I do not live at anymore and do not have any access to. My mail has been forwarded and changed with DMV, so I find it odd that they can not use my correct address, but mail something to an old, temporary address instead. I only happened to find out about it because I ran into my old landlord. 

Second, they have been contacting people that I am only distantly contacted to. First there was my boyfriends ex-wife who was more than happy to tell everyone how " some lawyer contacted her and said that XXXX is going to jail if she does n't respond ''. Then they contacted my dead fathers wife ( who I have NO contact with ) and told them the same thing. Her daughter was more than happy to get on XXXX and spread this as well. 

All this is bad enough, but I recognize none of these debts. I have not had a credit card in many years ( far longer than NJ law allows debt collection for ). And I also do not know how they arrived at the last name XXXX or the middle initial " XXXX '' that they keep attaching to my name. My name is XXXX XXXX, no middle initial and no other last name. 

A few years back, I had my wages attached by an unknown law firm ( I am assuming this was them ) with no notice so I am assuming that they sent letters to an old address again. I did not have the job long after and did not have any money for a lawyer to fight it and, mistakenly, I let it slide. 

I requested that they validate these so-called debts with me and also verify these other names they keep attaching to mine. I have not had a response yet. 

I am not sure I chose the right category above because there are so many problems. 



Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-23
Company: P.S.C., Inc
State: WA
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Contacted me instead of my attorney

Complaint:
Puget Sound Collections is attempting to collect this debt in an unfair and unconscionable manner. I have stated numerous times the debt in question is unrelated to my XXXX accident, and therefore, I wanted to pay this debt immediately. Each and every time I spoke with a Puget Sound Collections representative, they advised me they would not speak to me as I had attorney representation. I have tried to take care of this debt however, Puget Sound Collections will not speak to me about the debt or tell me how much I need to pay to satisfy this debt. These actions are unfair and they are financially harming me. I hereby request that Puget Sound Collections take the following action : 1 ) remove this negative reporting from my credit bureau at once, 2 ) have a manager speak to me about my debt so I can make arrangements to satisfy this outstanding amount ( if the debt is truly non related to accident ). And last but not least they lied to me and my attorneys office stating this would not go on my credit until the accident has been resolved. They spoke with my attorneys office in XXXX 2015 and as of XXXX 2015 it has now been put on my credit report dropping me down XXXX points. I have worked to hard to have the cruel people ruin this. I Have No DEBT Was NOT Even Informed About this bill Until Months after and I have No Clue If IT Was even put Through My health Insurance thats Carpenters union. I 'm beyond upset by this company 's actions. Please help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-24
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I 've disputed 2 public records with Equifaxfor 7 months now and they are reporting information that clearly is not correct. Each month I send a copy of the public records page of my credit report that proves that are reporting a court name that is invalid along with other information such as filing dates that DO N'T EXIST and they do nothing to assist me! Here is the information that I am disputing and I require that they remove this obviously inaccurate information : XXXX CT XXXX # 1 once again I 'm sending you proof that the balance should be {$0.00} when you are reporting this as {$26000.00} # 2 you have an non-existent date of " XX/XX/XXXX '' and I 've sent this proof 4 times already! Remove this immediately! 
# 3 You do not have a plaintiff # 4 the reference # is inaccurate # 5 the court is listed incorrectly as " XXXX '' - this must be listed accurately and correctly and this is not a court name # 6 the balance is not listed accurately XXXX XXXX CT XXXX # 1 once again I 'm sending you proof that the balance should be {$XXXX} when you are reporting this as {$43000.00} # 2 you have an non-existent date of " XX/XX/XXXX '' and I 've sent this proof 4 times already! Remove this immediately! 
# 3 You do not have a plaintiff # 4 the reference # is inaccurate # 5 the court is listed incorrectly as " XXXX '' - this must be listed accurately and correctly and this is not a court name # 6 the balance is not listed accurately XXXX XXXX XXXX shows an open date of XX/XX/XXXX Equifax shows XX/XX/XXXX and XXXX shows XX/XX/XXXX XXXX shows 180m Equifax shows 15y and XXXX shows 10m XXXX/Equifax/XXXX show no high balance, no type, no monthly payment *This account shows that it has not been updated since XX/XX/XXXX! This means that you have not investigated this account whatsoever and that you are in violation of the FCRA! 
No payment history is listed No high balance No monthly payment

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-05
Company: WESTERN UNION COMPANY, THE
State: CA
Product: Money transfers
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
For the past 6 months I have used Orlandi Valuta via Western Union at XXXX 's XXXX in XXXX Ca to send money to my father in law XXXX XXXX XXXX every month in XXXX. On XXXX XXXX, 2015 I sent the usual monthly amount to my father in law via Orlandi Valuta. It turns out my father in law was unable to retrieve his money, according to Orlandi Valuta I placed a call that same day to have the recipient name changed to XXXX XXXX and that the money was already retrieved by that person. Orlandi Valuta said they could not help me even though i explained to them I did not change the name of the recipient. My father in law went to the usual pick up location and he was told that no one by the name of XXXX XXXX has received any money.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28
Company: Santander Consumer USA Holdings Inc.
State: AR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
In  XXXX  I purchased a used car that is financed through  Santander Consumer USA . It was my first vehicle purchase, so I was not well informed about good interest rates and such. While I believed that I was getting an OK deal on a loan, I actually receiv ed one wit h an extremely high interest rate of 20.6 %, which is actually higher than what is allowed in Arkansas, but I was unaware.   In  XXXX   XXXX , my car was repossessed due to getting behind in my payments. My wife and I negotiated with  Santander to p ay a certain amount and avoid having the repossession placed onto our credit. After paying, however, the repossession still ended up on our credit. I also found out that all the payments that I had been making had gone towards interest, and that I had actually only paid {$3000.00} of my principle paying an average of {$400.00} per months ov er 20+ mon ths. My loan was only around {$17000.00}. After further research, I found out about the Arkansas ursury law, which limits the most that any interest rate in the state can be to 17 %, a full 3.6 % less than what I had. I also found out that  Santander  had broken laws like this before and had lost in court decisions about it. This being the case, I would like to challenge my interest rate as well as trying to have the repossession and the late payments removed.

Company response to consumer: Closed with explanation