BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-17
Company: CREDIT ACCEPTANCE CORPORATION
State: PA
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:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureaus and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved.

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 2019-04-28
Company: ARC Management Group, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I CALLED ARC MANAGEMENT ON XX/XX/2019 TO ASK THEM WHY THEY PUT AN ACCOUNT ON MY CREDIT REPORT THAT WAS TAKEN OFF ON XX/XX/2019. SHE PRECEDED TO TELL ME THAT I HAD 19 CASES COME  THROUGH HER OFFICE. I TOLD HER THEY ARE NOT ON MY CREDIT REPORT AND AREN'T RELEVANT TO THIS CONVERSATION. I TOLD HER THAT SHE WAS TALKING TO ME LIKE SHE HAD NO PATIENCE TO HELP ME WITH MY PROBLEM. I ASKED IF THE CALL WAS RECORDED BEFORE THE LADY TOLD ME THEY SOLD THE DEBT BACK TO THE ORIGINAL CREDITOR. I THEN ASKED WELL WHY DID YOUR COMPANY PLACE IT BACK ON MY CREDIT REPORT IF YOU DON'T OWN THE DEBT ANYMORE. I ASKED IF THIS WAS ILLEGAL AND THE LADY SAID IT WASN'T ILLEGAL TO REPLACE A DEBT THAT WAS DISPUTED AND TAKEN OFF THE CREDIT REPORT. I WANT THIS DEBT OFF MY REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : XXXX, XXXX : XXXX, XXXX : XXXX, XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09
Company: Accurate Background
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Problem with personal statement of dispute

Complaint:
Got hired for a job and lost it because i have a open case on background check for mvr but im on a payment plan thats why its open. Now I lost my job because false information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: Experian Information Solutions Inc.
State: MO
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:
I have been reaching out to Experian, asking them to provide me legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. I haven't heard any response from Experian and it made me lose my patience. As stated in Fair Credit Reporting Act, 15 USC Sections 1681i, they are in need to comply with their client 's request and send their response within the given time provided and approved by the law. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Below, are the items they failed to verify : XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXXXXXX Date of inquiry XX/XX/XXXX XXXX XXXXI Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXXXXXX Date of 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 2019-07-12
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX now currently known as XXXX XXXX is reporting incorrectly to XXXX   and XXXX  a collection in the amount of {$2600.00}. Please see XXXX XXXX XXXX partial account number XXXX listed on pages 48 and 49 of the attached credit report. I did reside at XXXX XXXX XXXX from XXXX to XXXX. ( Attached is a copy of the lease agreement from XXXX to XXXX. ) On XXXX I received a letter with a copy of a lease from National Credit Systems , Inc. collection account number XXXX ; NCS Account number XXXX. ( Attached is a copy of the lease agreement for XXXX to XXXX. ) This document shows an electronic signature on XXXX with occupancy dates of XXXX to XXXX. First, the electronic signature has my name misspelled, and Second, I did NOT give any authorization to use a computer generated signature. I moved into my current place of residence on XXXX. My lease renewed on XXXX and will be expiring on XXXX. ( Attached is a copy of the lease agreement for XXXX to XXXX. ) It would be impossible for me to have lived at XXXX XXXX XXXX a.k.a. XXXX XXXX from XXXX to XXXX as stated in the bogus lease I was sent from National Credit Systems , Inc . I did NOT sign this document nor did I give permission for this document to be signed. I do NOT know who is on the E-Signature Certificate. I have tried to contact the apartment complex but have not been successful. XXXX XXXX XXXX a.k.a. XXXX XXXX has clearly mistaken me for someone else who owes this debt. This debt does NOT belong to me. This incorrect reporting by XXXX and XXXX recently appeared on my credit report and this incorrect reporting of a collection is harming my credit score. I have contacted the bureaus to resolve this issue but have not been successful. These line items need to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I applied for an extended fraud alert with Experian on XX/XX/2019. I included the police report and my FTC Identity Theft report. I received a letter from Experian on XX/XX/2019 that said : " The identity theft report does not meet guidelines because it was not filed with  a law enforcement agency which subjects the person filing the report to criminal penalties relating to the filing of false information. '' ( This verbiage appears on page 2 of the uploaded letter ). 

I called the XXXX, NC police department where I filed my report and the officer who took my report assured me that filing false information in the state of North Carolina is a crime and this language is also part of the XXXX town ordinances.

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 2022-08-15
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 have sent numerous documents to Equifax, XXXX, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am to believe that certain cc companies like XXXX and Bank of America are forcing consumers to use their online service for payments and when they refuse to do so they will keep adding late fees on your account claiming that your payment was late ... it's a trend I've been noticing with these two banks in question ... currently my credit score has moved from XXXX to XXXX because I refused to pay their late fees and they won't reverse these late fee charges only keep adding it every month... please investigate these unscrupulous bank and fine them for these mal practice.

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 monetary relief
Consumer complaint received 2019-01-29
Company: Bread Financial Holdings, Inc.
State: RI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I purchased several items using my XXXX store credit card and the " special financing '' offer where there would be no finance charge on the amount if it were paid off in a certain period of time ( six months ). Those orders were placed in XX/XX/2018 and the special interest rates expired in XX/XX/XXXX. The problem is that a large percentage of the merchandise was returned or refunded due to defects or the wrong item being shipped and when those refunds were made, the special interest plan on them was not updated to reflect that fact. Thus, on the expiration of the special interest plan, I was charged interest on the full value of the purchases as if they had never been paid off within the six months, when in fact the portions of charges not refunded or items not returned had indeed been paid in full. 
This resulted in significant accused interest charges being applied to my account and the automatic payments that I had set up were suddenly too low because XXXX had charged me for interest accrued although they had received refunds and payments that paid off all of the balances of the special interest rates purchases.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: TRUIST FINANCIAL CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
I got sick with XXXX XXXX while XXXX i lost my XXXX after recovering from XXXX I was diagnosed with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXl my which caused me to fall back on payments my car was taken without my permission in wrecked, and totaled I am now stuck with the debt on my credit profile with all going on I also lost my apartment that me and my kids were living in I'm a single mother of XXXX in we are still homeless Im trying to get back on my feet in this car loan is making it hard for me to be able to start over with a new place in car.

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 2022-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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.

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 2023-06-30
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:
After going through my updated Credit Report which I purchased from XXXX, since the Credit Reporting Agencies failed to provide a free copy of my updated Credit Report 30 days after the date of my disputes, I am baffled to see that that my Credit File still reported the fraudulent accounts and information on my Credit File. The disputed items remained on my Credit Report end yet the Credit Bureaus have failed to provide me with copies of documents giving the fraudulent accounts the rights to continue their erroneous reporting. Let me remind the Credit Bureaus that under the FCRA section 605b, any and all fraudulent accounts must be removed from a consumer 's Credit File if not proven to be accurate. I have been disputing these accounts for 4 months already and yet the Credit Bureaus have not provided a single document. This action is a clear neglect of duty and responsibilities. I am submitting this Complaint to demand to the Credit Reporting Agencies to remove the disputed accounts off of my Credit File as soon as possible : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Not only that the Credit Bureaus did not send me a copy of my updated Credit Report, they have not sent any documenst supporting such misleading claims. I demand the deletion of all the fraudulent items completely from my Credit File.

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 2023-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 had tried to get items removed because of wrong addresses name misspelled, names I never used they updated them and still wrong

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 2023-06-16
Company: AmerAssist A/R Solutions, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The worst part is that a one-time payment agreement of approximately {$3000.00} was made for all the procedures, but the dentist kept sending bills. Despite my mother 's active attempts to communicate and resolve the issue, nobody took responsibility, and there was constant evasion. Promises of a refund were made at one moment, followed by refusals to answer calls or provide any resolution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-28
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Didn't receive services that were advertised

Complaint:
On Sunday, XX/XX/XXXX I was attempting to freeze my credit reports. I was successfully able to freeze my other two credit reports - but I had problems with Experian. 

Experian was not able to accept my credit freeze request and the ONLY course of action was for me to send them a letter by mail with all of my personally identifying information. 

In an effort to protect my information, I now have to send almost all the information that would be required for stealing my identity through the mail - for NO reason that was explained to me. 

I'm not sure how it is possible in 2019 that this is the ONLY way of communicating with a credit agency.

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 2023-06-30
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022.

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 2023-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX DOB : XX/XX/XXXX RE : You Violated the United States Code Law ( FCRA 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ) FCRA 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) Duty to provide notice of dispute If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.

Under FCRA 15 U.S. Code 1681s2 ( 3 ) you violated the law. I disputed these inaccurate items over 35 days ago and you havent notated is as disputed. You cause me to lose out on offers due to reporting this inaccurate item and not notating it was disputed. 



The items below should all be removed from my consumer report under 15 USC 1681s-2 ( 3 ) XXXX XXXX XXXX | XX/XX/XXXX : Account number : XXXX, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX XXXX : Account number : XXXX, Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 



You supposed to add notice within 30 days not 1 day over as i have proof. As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission ). 



Sincerely, 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 2022-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for false reporting misleading information. There is no third party involved. Please review the uploaded letters.

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