BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-09
Company: Bridgecrest Acceptance Corporation
State: AZ
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I've been contacting Bridgecrest and the credit reporting agencies for over a year now trying to get correct documentation to verify this debt, and even offered to pay them. I have not received any responses back over the past year. I gave them time considering the pandemic, but they have yet to respond. I'm attaching all of the letters including the certified mail return receipt notices from USPS. For proof I've also attached a copy of the XXXX XXXX XXXXXXXX So, since I have not received a response, the company and the credit reporting agency have violated my consumer rights and I would like to have this account removed from credit report with no balance owed, seeing as though I also offered to pay them. They also never put the account in dispute status none of the times that I've disputed the account, and that is a violation of my consumer rights as well.

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 2023-05-30
Company: Experian Information Solutions 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:
I am a victim of identity theft. I had my identity stolen, as well as all my business and personal bank accounts were hacked. XXXX  were stolen, which caused me to be late on payments, accounts being, closed, and extreme damage to my credit report and scores. There are also accounts opened and used in my name without my knowledge or permission including child support cases.

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 2023-01-31
Company: EQUIFAX, INC.
State: OK
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. 

Account name : XXXX XXXX Account number 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 2022-11-14
Company: REGIONS FINANCIAL CORPORATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My bank account was wrongfully charged {$2700.00} and the merchant has written an email to me stating he would refund me the amount taken from my account. He wrote me that email on XX/XX/2022. 

It has been several days and I have yet to receive my refund that I was promised. 

I went to my local Regions bank branch and filed a report in person with a personal banker at Regions. The banker assured my issue would be resolved. 

After hearing of no reply after 4 days, I called Regions bank. 

The rep told me the dispute department denied my claim because the banker filed my claim incorrectly and because of this I had to refile my claim and was told I have to wait ANOTHER 10 days. No one called me to inform me that my claim was denied nor did I receive any email. If I didnt check, I wouldve been clueless. 

This is unacceptable to say the least. 

I work hard for my money and my bank is supposed to protect me.I went to the banker initially so it could be done right and now I have to wait another 10 days? This was a lot of money.

Im seriously considering leaving Regions bank over 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 monetary relief
Consumer complaint received 2023-05-30
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: Account status incorrect

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. The stuff on my credit report is wrong and Under 15 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.

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 2023-07-11
Company: M.A.R.S., Inc.
State: KS
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I got an {$830.00} debt from the XXXX XXXX sent to M.A.R.S INC in XXXX Oklahoma. they said if I did not pay the debt my credit would be impacted and that I would not be able to rent from anywhere else. I have called to dispute this charge on XX/XX/23 and it's XX/XX/23 and still no reply. {$300.00} of the charge was because a grant was supposed to be placed on my account that XXXX XXXX gave to a different property. I am not paying for things that are not my fault. the communication with this company is terrible. I do not feel comfortable paying a company that doesn't offer reciepts unless paid in person & just sends balance updates unless your debt is paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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 - partial account number XXXX and XXXX XXXX XXXX partial account number XXXX****XXXX are reporting duplicate line items to XXXX ; XXXX and Transunion a collection in the amount of {$3100.00}. ( Please see page 2 of the attached credit report. ) This duplicate reporting of a collection is a violation of the Fair Credit Reporting Act and this line item needs to be removed from my credit report. This incorrect reporting is harming my credit score. I have contacted the ( 3 ) bureaus to fix this issue, however I have not been successful.

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 2017-02-09
Company: AMERICAN EXPRESS COMPANY
State: ME
Product: Credit card
Issue: Advertising and marketing

Complaint:
During my flight booking process on the XXXX ( XXXX XXXX XXXX ), there was an American Express offer before the checkout/payment option for my flight tickets for an American Express Delta Skymiles Gold Card, which stated : " {$150.00} Statement Credit after you use your new Card on a XXXX purchase in your first 3 months. '' After applying, I was shown that my account was pending a manual review and if approved, I would receive the card in the mail within 15 days. Noting there was also no available option that if approved, I could receive my card information in an instant email instead of waiting 15 days for the physical card in the mail. THIS DEFEATS THE PURPOSE OF EVEN APPLYING FOR THE CARD, AS I WAS GOING TO USE IT IMMEDIATELY TO PAY FOR MY TICKETS AND RECEIVE THE {$150.00}. CREDIT. THIS IS AN INNAPROPRIATELY PLACED ADVERTISEMENT WITH NO DISCRETION THAT YOU MAY NOT BE ABLE TO USE IT DURING THE IMMEDIATE PURCHASE OF YOUR TICKETS WHERE THE ADVERTISEMENT IS PLACED. I SIGNED UP FOR THE CARD FOR NOTHING.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: Comerica
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Comerica bank, whom which I have had a business account with for 17 years allowed entities ( some known and some unknown ) to use my business tax ID XXXX under various ghost/shell companies and attached a book-keeping software to my account without my authorization. In XXXX of XXXX, I noticed that XXXX XXXX XXXX XXXX XXXX ) was making deposits into a checking account with only the name of Life Span Counseling with a different account number. I was not a XXXX provider, and discovered that the money was going into another account through Comerica Bank using my tax ID. After I discovered the aggregated data book-keeping software linked to my account, it was suggested by a web-banking representative that I change my business account number. After doing so in XXXX, the Book keeping data was reattached to my account for a brief period of time. I have only one business legal entity name registered at Federal and State which is XXXX XXXX XXXX XXXX XXXX. Some of these ghost companies invaded my account with other dba ( XXXX ) i.e., XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. ( See attachments of banking statement name change and an office manager changing my company name illegally for XXXX payments ). Although I received the second draw of XXXX loan in XX/XX/XXXX for {$2700.00}, my attempt to obtain the first draw of a XXXX loan was denied in XXXX XXXX with no reasonable explanation. It is my belief that one of the ghost companies obtained the first draw loan. I had discovered that the bank internally somehow changed my business address to other mailing addresses including an address that I have not lived at in over 17 years on XXXX XXXX XXXX Michigan XXXX. 
I have spoken with several bank managers, reported my concerns to Quality risk, fraud department, and filed police reports, with no resolution and lack of transparency I would like to know who obtained the first draw XXXX loan using my business tax ID XXXX and soc security number XXXX XXXX XXXX and why cant I get clear answers to all of the proof I have shown. I want to know all the dba ( XXXX ) used with my TIN and the amount of money deposited using those dba ( XXXX ) under via Electronic Funds Transfer with various health insurances. When, how, the amount, and who received of the first draw XXXX loan in XXXX. It also appears that there were at least on or other credit cards linked to another account that was not my account. 
Please see exhibits showing the variations of different DBAs

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022 I 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. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those 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 de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.

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 2023-07-11
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
There is a transaction on my bank statement from PayPal in the amount of {$190.00}. I contacted PayPal and they checked both mine and my husbands accounts through our emails and said they had no information for this transaction. 

Our emails are : XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX I started investigating this after it happened ( 2019 ) but then my father died and then 7 months later my brother died so it completely slipped my mind. 

I'm submitting a copy of the bank statement so you have all the information. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: TekCollect Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Account Number : XXXX I refuse to pay this debt or any other debt that you have in or associated with my name. 
Once again, I am informing you to cease all contact with me or anyone else about this claimed debt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The XXXX credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
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 2022-05-17
Company: Experian Information Solutions 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-07-07
Company: EQUIFAX, INC.
State: PA
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:
A fraudulent credit card account was opened in my name on XX/XX/2022 with XXXX XXXX XXXX XXXX, using a fraudulent address and phone number, and around {$18000.00} was charged to the account. 

I noticed the account ( as well as the fraudulent address and phone number, and the credit inquiries in connection with opening the account ) on my credit report the following month and reported it the credit reporting agencies ( XXXX, Equifax, and XXXX ) in XX/XX/2022. I also called to report it to XXXX XXXX XXXX XXXX on XX/XX/2022 at which time they indicated it would be reviewed, I would receive a letter within 30 days, and the account would be closed. 

The credit agencies responded to the disputes indicating they had reached out to XXXX XXXX and confirmed the account, and XXXX XXXX would need to let them know that the account was fraudulently opened before it could be addressed on my credit report. 

Since reporting to XXXX XXXX XXXX XXXX on XX/XX/XXXX ( 65 days ago ), I have called XXXX XXXX at least 5 times to request an update, and at least XXXX of those times, I have waited on hold for over XXXX hours to talk to their security department, just for them to tell me they are working on it but can not provide any estimate on the amount of time it will take, and can not provide an confirmation by email or otherwise that anything is actually happening. 

Since XXXX XXXX has taken over 65 days to investigate a fraudulently opened account, the {$18000.00} credit card balance is now in default and my otherwise pristine credit score continues to drop precipitously by the day. As a result I am having countless difficulties : I was unable to open a desired credit card to receive travel points for a large trip and to purchase an engagement ring, I was planning to get off of my parent 's cellular plan but am not able to open my own line as a result of this issue, and I have been planning to purchase a house, which has obviously been put on hold.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
You are in direct violation of the fair credit reporting act XXXX XXXX XXXX  XXXX has violated several of my rights. 

15 U.S.C 1681 sec 602 A. Clearly states that I have a right to privacy.

15 U.S.C 1681 sec 602 A. Also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B. A creditor may not treat a payment on a credit card account under a open-end consumer credit plan as a late for any purpose. 

Remove these late payment and update this account immediately as you are in direct violation of several laws under the fair credit reporting 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 non-monetary relief
Consumer complaint received 2022-07-07
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:
In accordance with the Fair Credit Reporting Act XXXX the following XXXX XXXX XXXX account # XXXX have violated my rights as an obligor. 

Dates : XXXX, XXXX through, XXXX, XXXX : 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 1666B : A creditor may not treat a payment on an extension of credit account under an open-end consumer credit plan as late for any purpose.

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 2016-01-13
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: KS
Product: Consumer Loan
Sub-product: Title loan
Issue: Charged fees or interest I didn't expect

Complaint:
I was in debt for about {$20000.00} in XX/XX/XXXX. I did not know what to do so I went HFC a loan company to borrow this amount of money to pay off the debt. XXXX, the HFC employee stated that I could the money as long as I gave HFC my car title. I gave HFC my car title and I received the money to pay off my debt ; however I have been on this loan for over 8 years. I have not missed any payments until XXXX/XXXX/XXXX. This debt amount has grown to {$25000.00} instead of going down. This amount should have been off within 5 years or less. I believe I have scammed and I would like help to cancel this debt since I have paid more on it than the amount that I borrowed. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
I did a balance transfer from my Citi card account. It is due to be paid off so I do not incur additional interest or fees. No where on the site or when I call the CS rep can someone give me a clear and concise balance so I know what to pay and on what date. It says I should pay by XX/XX/2022 but the statement closing date is the XXXX. Normally it is by the due date and that is the XXXX. It is so confusing, the rep was on the phone because the numbers are not matching and she could not find the numbers either. The amount she is giving me is almost XXXX less than what the numbers available say. Is this a trick so I dont pay the right amount? I really do not think it is but why can't there statement or site give the correct and up-to-date information. She told me she was going to look at something, then hung up after waiting for XXXX min to get someone and XXXX min on the phone. 
Very frustrating and it needs to be represented to the consumer in a more plain talk like other banks. There is not warning that it is due by a certain day on the statement, no alert that your balance transfer is due on the site. 
My daily balance subject to interest is XXXX. I have paid XXXX I should owe XXXX and she is saying I owe XXXX. Does not add up.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21
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:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

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