BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-22
Company: Midwest Recovery Systems
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
There are recent derogatory entries on my credit report from Midwest Recovery Systems, dated XX/XX/2020. The derogative entry says that I have an account in collections for {$310.00} that I'm unaware of. This has damaged my credit score. I have never heard or owed money to a company called XXXX XXXX XXXX. I was not notified in writing of any such debt. The debt is invalid.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-22
Company: Radius Global Solutions LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Original creditor : NORTHSIDE EMERGENCY ASSOCIATE Creditor Information RADIUS GLOBAL SOLUTIONS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Amount : {$1400.00} The charge amount from this hospital was not made by me or for services provided to me. I believe this charge 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 2020-03-22
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I had left town on XX/XX/20 around XXXX. I returned around XX/XX/20 and checked all of my accounts per usual and noticed fraud. The only person that had access to my home was the housekeeper in which I trust. 
XX/XX/20 XXXX, XX/XX/20 XXXX, XX/XX/20 XXXX, XX/XX/20 XXXX, XX/XX/20 XXXX and XX/XX/20 XXXX. I did not authorize nor make the above indicated charges. I received documents " Declaration of Fraud '' and turned them in. I dont believe that American Express even investigated and if they did not thoroughly. My claim was later denied and with the coronavirus pandemic and my job closed I NEED MY FUNDS THAT WERE STOLEN. Please help!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-22
Company: Santander Consumer USA Holdings Inc.
State: KY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Vehicle was repossessed and returned to me the same day with payment and negotiated agreement 2yrs ago. No payments since were reported to credit bureaus after several complaints. The vehicle was later totaled in wreck mid 2019 but monthly payments were still made and never reported. An agreement was then made to pay a negotiated pay off amount of XXXX divided into 4 payments. The last payment was granted to be divided into 2 payments and made only a few days apart in XXXX due the Covid 19 and temporary Job loss. The final payment was completed on XX/XX/XXXX. On XX/XX/XXXX I called Santander over 6 times over the course of 3 hours to confirm confirmation of the final payment being made and to ask what the turnaround time would be before being reported to the credit bureau, but the automative service continuously disconnected me and became a dial tone each time. This has thus far been the absolute worst and unorganized company to work with and has caused many credit score issues. Its paid in full and I just need it disappear from my life completely in order to move forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting 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 several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00}

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 2022-03-28
Company: Experian Information Solutions Inc.
State: IL
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 accounts XXXX # XXXX, XXXX XXXX  # XXXX, XXXX # 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 In accordance with the Fair Credit Reporting act XXXXXXXX account # 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 an account without my written instructions 15 U.S.C 1681 Congressional findings and statement of purpose : ( a ) Accuracy and fairness of credit reporting section ( 4 ) : There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

15 U.S. Code 1681b - Permissible purposes of consumer reports : ( a ) In General : Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

15 U.S. Code 1692c - Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

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 2023-04-24
Company: Southwest Recovery Services, Inc.
State: TN
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: Their investigation did not fix an error on your report

Complaint:
o whom it may concern I have sent a letter to XXXX, XXXX and XXXX regarding this collection agency Southwestern Recovery services who has placed an amount of XXXX on my credit report. I have emailed this company that I did not signed a lease at XXXX XXXX XXXX  which, I have provided a copy of. As you can see on the signature page of page 9 of the document I have sent, both the signature is the same show to be not my hand writing, which I have provided a copy of my signature on my id. On XX/XX/2015 I was at work Im not sure if the owner who is XXXX signed or XXXX XXXX XXXX signed the papers with my signature. Also, as you can see on the lease XXXX XXXX provided to me. XXXX XXXX does not own the property it is XXXXXXXX XXXX XXXX XXXXXXXX so. I not quite sure where they come in saying he even owes a balance to them. There no contract on file between XXXX XXXX XXXX XXXX, or Me XXXX XXXX. I need them to produce a contract with my signature to say this balance is even mine which I have ask them to do and they have not done. It hard trying to keep my credit straight. I dont need amounts that I dont owe, and I am not responsible for to be added and bring my credit score down. I want this matter investigated and Southwestern delete off my report they did not even put it on XXXX XXXX XXXX report just mine to XXXX me off. He even told them to send him a copy of the breakdown or what is owed for and the contract he signed with classic property of how he owes the XXXX and he will send a payment, from what my brother told me they never sent anything to him. Also, Im trying to get my work schedule with XXXXXXXX XXXX XXXX XXXX  to show I was at work you do have my permission to call the hr dept of XXXX XXXX as part of you investigation there number is XXXX corporate office. Like I stated I want this collection agency delete off. Thank you XXXX XXXX This caused me to file a bankruptcy and balance is not owed

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
In my XXXX account - I was a message that I am pre-approved for Citi Rewards Card. Thus I applied. Even after having a credit score of XXXX, I was rejected. Reason provided- too many inquiries during last 12 months and some other reasons. 

Why Citi offering pre-approved cards via XXXX and later rejecting?

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 2023-04-24
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Chase Bank has accepted, and the business has accepted the mistake made by the business and has resolved it. Then, two months later, Chase decides to reverse the decision because of an internal glitch. They are now harassing me and continuing to try and make me pay for an already accepted disputed charge.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-24
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

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 2022-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 recently reviewed my credit report on XX/XX/2022 and I noticed two hard inquiries that I didn't approve or authorize. I called Transunion and they informed me to make a report with the XXXX and to turn that in to them in order to have this removed. 


Transunion file # : 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 2018-02-18
Company: Altisource Portfolio Solutions, S.à r.l.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have filed several complaints with the CFPB to no avail. I recently discovered that if the complaint receives a response it is considered closed. This is absurd Responding is not a solution, therefore, we will try again and see if they can still pass the buck. 
1. XXXX XXXX denied they were a XXXX XXXX so the Department of banking was unable to assess sanctions. 
2. XXXX XXXX XXXX XXXX foreclosed in spite of rectifying the accounts servicing and other illegal fees. ( XXXX. ) They proclaimed they only offered representation and forwarded my complaint to XXXX. 
3. XXXX 's Ombudsman conveyed erroneous data.A foreclosure sale was XX/XX/XXXX. The reasons for the sale were never resolved so I gave in! They state an inspection was completed XX/XX/XXXX and the property was determined vacant and was secured. The property was not vacant, I was out of town for the holiday abd neighbors were watching the house for me. Upon my return I was unable to gain access to my home. I notified Altisource who was responsible for the lock, The XXXX County Sheriff, the XXXX XXXX Police, Congressman XXXX and the attorney general. The verified the lock was placed XX/XX/XXXX. 
4. The replacement value for the goods sold at auction total a little less than {$7000.00}. 
XXXX said I owed them money, however. the bankruptcy erased this obligation.There were no Ejectment, eviction notice or postings provided. 
XXXX will not change their decision due to XXXX  's lies.

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 2023-04-24
Company: TRUIST FINANCIAL CORPORATION
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I made a payment prior to what was advertised as the due date of XX/XX/XXXX. Payment was made XX/XX/2023. I received an email informing me that I had a past due balance, and owed double payments XX/XX/2023, the next due date. When I spoke with a service agent, I was informed that any early payments to be count towards the next billing cycle had to be made no more than 15 days prior to the due date, otherwise it counts as " interest only. '' However, I have a screen shot dated XX/XX/2023, that I owe no payments until XX/XX/2023.

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 2023-07-21
Company: Experian Information Solutions Inc.
State: NV
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 account recently appeared on my Credit report. It states that is an account over 6 and a half years old yet it just recently shows on my credit report. According to 15 U.S. Code 1679c, this account must be removed immediately.

The account in question is as follows : XXXX XXXX XXXX XXXX which states there is an amount owed of {$480.00}. I am unaware of this account. I have no knowledge of it and it must be removed. 

I hope this finds you well. I am writing to request the removal of inaccurate information from my credit report, as per my rights under the Fair Credit Reporting Act ( FCRA ) Section 609. 

Upon reviewing my credit report from your bureau, I have noticed the following inaccuracies : XXXX. XXXX XXXX XXXX XXXX which states there is an amount owed of {$480.00} As you are aware, the FCRA mandates that credit reporting agencies investigate and correct any inaccurate information within 30 days of receiving a dispute. Therefore, I kindly request that you conduct a thorough investigation into the disputed items mentioned above and take appropriate actions to rectify these inaccuracies promptly. 

Please provide me with written confirmation of the resolution and the updated credit report once the investigation is complete. If you find any discrepancies to be accurate, I request that you provide me with a detailed explanation of your investigation 's findings. 

I am exercising my rights under the FCRA to ensure the information on my credit report is accurate and up-to-date. I expect you to comply with the law and carry out this investigation with the utmost diligence. 

Thank you for your attention to this matter. I trust that you will handle this dispute promptly and professionally. If necessary, I am prepared to take further actions to protect my rights as a consumer. 

Sincerely,

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 2020-03-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
This is a response to:XXXX Bank of America XXXX 

I have two credit cards with Bank of America. They told the CFPB that the bank did not know me. But then I was sent a large response about how they did nothing unlawful to begin charging my cards an annual fee. it is not a legal issue. 

The issue is it ethical to begin charging me {$50.00} each for two credit card just after Bank America just started paying a large  dividend XXXX XXXX. Is that ethical?

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 2022-03-28
Company: EQUIFAX, 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 Convergent. 
XXXX XXXX XXXX & Account Number : XXXX XXXX XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: Experian Information Solutions Inc.
State: IL
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: Problem with personal statement of dispute

Complaint:
Experian has listed a personal home improvement loan as a mortgage on my credit report. I have never disputed the loan, but Experian 's incorrect listing has resulted in another lender denying me a mortgage loan. Experian refuses to list the loan ( from XXXX ) as a personal home improvement loan, even though I provided Experian with data showing the listed mortgage liens filed on my real property which show no listing from XXXX. I have sent Experian a statement ( less than XXXX words ) to add to my report, but they have refused to do so.

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 2022-03-28
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: Reporting company used your report improperly

Complaint:
in accordance with the Fair Credit Reporting act XXXX 
XXXX XXXX XXXX & Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account 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

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 2023-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

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 2023-04-24
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:
In accordance with the Fair Credit Reporting Act : 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 15 USC 1681 Section 602A, states I have a right to privacy.

15 USC 1681 Section 602A, Section 2 it also states that a credit reporting agency can not furnish an account without my written instructions.

15 USC 1666B, Creditor may not treat a payment on a credit card account under an open account and a consumer credit plan as late for any reason.

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 2023-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 USC 1681 Section 602A, states I have a right to privacy.

15 USC 1681 Section 602A, Section 2 it also states that a credit reporting agency can not furnish an account without my written instructions.

15 USC 1666B, Creditor may not treat a payment on a credit card account under an open account and a consumer credit plan as late for any reason.

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