BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-09
Company: Stern Recovery Services, Inc.
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2019 ( 1 yrs, 3 mos ago ) I received a derogatory remark on my credit of {$140.00} from a XXXX XXXX passed over to stern recovery services for a debt not paid. I have full coverage insurance and have no problem having my insurance cover this bill. I never received any notice of what I owed and did not receive phone calls and was not notified that I had a due bill. This has made it extremely hard for me to build credit and get loans, get a mortgage because of the effect it has on my credit. I reached out and they did nothing about it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I have spent too long on the phone with your people, in the attempt to get an issue resolved, and was unable to get actual work done. 

There is 4 holds on my account from XXXX XXXX for XX/XX/2022 in the amount of {$35.00} 4 times total XXXX I was told that they can not do anything about it until XX/XX/2022, even if the merchant does not claim the charges. 

Asking for my ss number multiple times, which is a intrusion of privacy concerns and concerns of consumer propriety details. 

I am trying to transfer money from my account to another account but can not, as I am receiving an error that you can not fix Error : Oops! Well, this is awkward. Were experiencing some technical difficulties, please try again in a moment. 

I was transferred multiple times to get this issue fixed, and each time I am being transferred to get fixed or resolved, the person gets on the phone and they hang up. 
I then have to call back in and basically go through this process of verification of my ss number and dob all over again. 

I have been on the phone with your people since XXXX cst. 

This is taking too long and too many people and too many calls to fix issues that are on your side of the fence. 
I can not believe that you are running this type of business process. 

after Hanging up with last person from the company, my account suddenly went to permanent suspension. 
I called back in to serve, and was told that they can not help me. 

Fix the issues or I will send a report as high as the XXXX XXXX XXXX 
I have already reported you to the TXXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I have submitted a report to XXXX  and I have sent a report to the Banking Commission.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am reporting XXXX AGAIN! They have NOT corrected my credit report. I have filed MANY reports and sent proof of what the balance should be. I also spent my LAST XXXX on XXXX XXXX to overnight them PROOF my student loans should have a XXXX balance because they were consolidated but they REFUSED to change it. Not only that I sent a letter showing what companies had my PERMISSION to pull my credit report. I was told by a representative to call the people on my report and get a letter saying they didn't have permission to pull my report. I was informed that I could NOT get a letter because they DON'T know me. IM SICK AND TIRED OF DOING THEIR JOB. THEY ARE RUINING MY LIFE. Not only is this stressing me out I suffered a XXXX XXXX from ALL the stress they have put me under. I WANT JUSTICE!!!! 
When I contacted your company, it said the case was closed. This is what I sent to your company before. 
I applied for an XXXX loan through XXXX banks and was told by the last bank that I had an XXXX number of inquiries on my report. I look at my credit report and noticed I had XXXX companies that pulled my report without my approval. I then contacted the credit bureaus and disputed them. Within XXXX hours I received a message saying my disputes were resolved. There is NO way they contacted the companies and verified those accounts. I did the dispute around XXXX on XX/XX/2023 and received an email at XXXX on XX/XX/2023 saying it was resolved and that they will remain on my report for XXXX  years. Because I am a XXXX, I understand how too many inquires can affect your credit score. I am asking that you investigate this and have all the ones I did NOT authorize removed ASAP. If you have any questions, I can be reached at XXXX or by email at XXXX if I DO NOT GET JUSTICE BY XXXX XXXX, I WILL FILE A LAWSUIT AGAINST YOUR COMPANY AS WELL AS XXXX. 
I am also including Transunion and 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 2023-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting 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:
XXXX XXXX XXXXXXXX XXXX XXXXXXXX These accounts are recorded in an inappropriate way in my history, I want it to be deleted

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 2022-12-19
Company: Experian Information Solutions Inc.
State: CT
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 received a call from a someone claiming to be XXXX Card who used an old phone number I do not use to convince me they were XXXX card and that they wanted to give me an additional line of credit or loan, by the time I realized these people were not XXXX XXXX it was too late. 

I called XXXX card and confirmed that XXXX did not perform a hard inquiry nor did they offer me a new line of credit or loan, their fraud and security division told me to notify the police and the credit bureaus. I was told that when contacted XXXX would confirm that they did not call me or make a hard inquiry on my credit file. 

I reported what occurred to in the town the incident occurred in XXXX XXXX, CT police department case # XXXX I also opened a dispute on 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 2021-11-30
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I am XXXX XXXX and I'm submitting this complaint myself and there is no third party involved. 
I, XXXX XXXX, consumer, natural person, and original creditor contacted MIDLAND CREDIT MANAGEMENT in writing on XX/XX/2021 requested validation of alleged debt and cease and desist of alleged debt. MIDLAND CREDIT MANAGEMENT has yet to respond in the given XXXX day time period that was given. This alleged debt continues to show on my consumer credit report and has not been reported and disputed. I have received no communication from MIDLAND CREDIT MANAGEMENT to validate this alleged debt. MIDLAND CREDIT MANAGEMENT has harmed me and my credit report and file due to housing unverified and unvalidated debt on my consumer report and they are now civilly liable to pay me for damages.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-23
Company: MONEY SOURCE, INC., THE
State: NV
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
when I first notice that I was going to run into problum with my Mortage payment 's. I contacted toe company and tried to workout a back payme n't plan. the company agreed to work with me. the company instructed me that they needed sirtify fund 's every Month. I agreeded with the company. So the company gave me an account number to wired the fund 's every Month. That worked smooth for about four month 's and then I was blocked in paying my mortage useding that methic. I made severial attemp't to pay my Mortage from that account servrial time 's and was not excepted. I was useing wallmart to pay my Mortage payment 's.

As of XX/XX/2018. I had no way to pay my Mortage account. I was block. And I feel that I was taken advantage of becaused I suffer from XXXX. The company totally confused me with added charges on my account. I have been left totally left in the dark by my Mortage company. Per there instruction I applyed for a workout plan to bring my account current and allowed me to remain in my home.I 'm XXXX, XXXX Veterain. wonded worrier. I was taken advantage of becaused I suffer from XXXX? I'm over welmed by that company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09
Company: PRESTIGE FINANCIAL SERVICES INC
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
From XXXX XXXX many Federal Government complaints was filed against Prestige on fraud and corruptions of vehicle loan and purchase in XXXX, Texas on around XX/XX/XXXX during my Bankruptcy Chapter XXXX proceedings in XXXX, Texas. 

On around XX/XX/XXXX or XX/XX/XXXX the vehicle was Voluntary Surrender in excellent conditions to Prestige Administration. 
On XXXX XXXX there is a collection for {$10000.00} and {$7600.00} in which on my XXXX, XXXX, XXXX credit report is very damaging. 
Prestige has a Collection/Charge off on my credit report and damaging my credit. 

This debt shouldn't be on my credit report or any where on my Consumer Report. 

I am XXXX XXXX and Retired and a XXXX XXXX XXXX XXXX XXXX. 
Prestige Financial Administration is in violation of my ADA Disability Civil Rights Act under Department of Justice.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-05
Company: EQUIFAX, INC.
State: MD
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:
My identity and information has been stolen and used someone other than me. There has been numerous inquiries and fraudulent accounts made on my name resulting in a {$25000.00} car loan debt that is unauthorized.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-23
Company: BBVA FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have a shared ( joint ) account with my wife at Simple bank, with debit cards in both of our names. On XX/XX/2019, I attempted to use my card as a charge without pin and it was declined, I tried again wit pin as debit and still declined, I called Simple who after placing me on hold for approx 1 hour told me that there was a problem with my wife 's individual account ( thats separate from this joint account ) and both accounts in her name was frozen, including the joint account and she would have to call in to get information since they could not give me any information. So she called back in from her phone as they requested, and after placing her on hold for approx 30mins, was told that they dont know what was the problem and would have to escalate it ans someone wound send her a message through the website, the day passed and nothing, no email, no calls. over the next 2 days my wife and I at seperate times made numerous calls to find out the lproblem an have our money releases. I was eventually told that they did not know why the accounts were locked and they are working on the problem, meanwhile they are holding my money hostage.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20
Company: CITIBANK, N.A.
State: UT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
in XX/XX/XXXX I received notice to appear in court which I did. I disputed the debt at that time. The lawyer stated he would get proof and I didn't need to stay there. ( nameof the collection agency at the time was XXXX, XXXX XXXX XXXX which is now only XXXX XXXX XXXX ) shortly after I received a judgement notice. I have disputed this numerous times over the years. XXXX XXXX XXXX have sent letters to an address in which they Know I did not reside. I lived at XXXX XXXX XXXX XXXX in XXXX. they were sending letters to XXXX XXXX in XXXX. I have never resided on XXXX XXXX. in one court hearing they requested mediation then failed to show up stating they didn't need mediation as they had a judgement. they have never been able to prove this debt yet now have a wage garnishment. sa {$1000.00} alledged debt has risen the {$2000.00} with additional court fees. they were advised that I owed child support and owuld through XXXX yet continued to take me to court regularly to add on additional unnecessary fees. this is a predatory collection agency that violates the laws hoping the debtors don't understand them. Current name is XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, UT XXXX ( XXXX ) XXXX the name on the collections is XXXX XXXX . I legally added a name to my birth record in XXXXwhich became XXXX as that is the first documented name. I think once a debtor refutes a debt and asks for proof the company should be required by law to provide that proof and maintain it through final collection of said debt. to this day they can not provide a signed document showing I purchased anything.

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 2023-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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: Investigation took more than 30 days

Complaint:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got 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 2023-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




Closed Accounts : 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Hello, Consumer Financial Protection Bureau, My identity was stolen and since XX/XX/23 someone has used my social, name, and address to acquire lines of credit in my name. I froze my credit with all three bureaus on XX/XX/23, and the identity thief called Transunion XX/XX/23 and passed their verification without a pin number and got my credit unfrozen. Their verification process often only asks for XXXX and a current address which an identity thief would already have. The person then took out a {$58000.00} auto loan and drove a car off the lot in my name on XX/XX/23. 

I have filed a police report about the incident with XXXX XXXX Police Department and re-froze my credit. 

The loan would have not gone through had Transunion asked for the pin and not allowed the person to unfreeze my credit. I live alone and I have not shared my pin with anyone, so it is impossible for anyone else to have it. Transunion asks basic questions that are on a credit report to verify someone then unfreeze accounts which is dangerous. 

Please investigate.

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 2023-06-08
Company: Experian Information Solutions Inc.
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:
15 U.S. Code S 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. It has been 30 days and you are in XXXX of this law because I am a victim of identity theft! Please delete these items IMMEDIATELY! 

XXXX. NO CONTRACT XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

XXXX. Validate Account XXXX XXXX ADJUST Account Number : XXXX Please investigate and delete from my credit report. 

XXXX. XXXX XXXX XXXX XXXX XXXX : XXXX Please investigate and delete from my credit report. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

XXXX. XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX NA Date of inquiry : XX/XX/2022 XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX NA Date of inquiry : XX/XX/2022 Please investigate and delete from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2022 Please investigate and delete from my credit report. 


These accounts should not be furnished on my consumer report as they are in VIOLATION Under, XXXX XXXX XXXX XXXX - Permissible purposes of consumer reports ( a ) IN GENERAL to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of the accounts listed IMMEDIATELY!

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 2022-02-18
Company: EQUIFAX, 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:
XXXX, XXXX AND EQUIFAX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS : XXXX XXXX XXXX : XXXX -- -> : {$1800.00} XXXX XXXX XXXX : XXXX -- -> : {$3300.00}

Company response to consumer: Closed with explanation