BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-24
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: Personal information incorrect

Complaint:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2023-07-29
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: Their investigation did not fix an error on your report

Complaint:
I sent a letter to the 3 Credit Bureaus requesting to reinvestigate the disputed Account from my credit report as well as update the Account from my report during the investigation period. As of this date, they have failed to respond to my request. 

XXXX XXXX Balance Owed : {$28000.00} ;

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
Company: Lewis, McDonnell & Associates
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I have been receiving phone calls from Lewis , McDonnell & Associates claiming that I will be served court papers for an alleged civil case involving a very old, paid debt from a furniture store that has closed down. No lawyer has spoken to me regarding this alleged case, their proof of debt is in an email and refuse to send in a mailed letter with their address and the amount due. On the phone I have been belittled and been called " clueless '' regarding this case. Not only have they been bombarding me with calls, they have been calling other people involving my " debt '' telling them that they will be served if I do no respond or pay. They have recently added this collection on to my credit without proper written notification of alleged debt. These tactics are in violation of the Fair Debt Collection Practices Act and demand that something is done regarding this debtor.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
Transunion is reporting an account that is a result of identity theft. It has previously been removed, but has returned with new delinquent dates. Ive never done any business with this company, and I would like to get this situation rectified as soon as possible. This is defamation of character and Im fully prepared to take legal action.

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 2023-11-13
Company: Experian Information Solutions Inc.
State: CA
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 third 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, CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX, XXXX  XXXX Inquired on XX/XX/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 explanation
Consumer complaint received 2022-06-15
Company: Avadyne Health Holdings, 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: Their investigation did not fix an error on your report

Complaint:
I have found grounds that my rights have been violated company H & R Accounts XXXX XXXX XXXX, XXXX, IL XXXX XXXX ACCT # XXXX ACCT # XXXX this company has report to the major credit reporting agency, without my knowledge nor consent according to 15 U.S. Code 1681a " If any person takes any adverse action with respect to any consumer that is based in whole or in part on any information contained in a consumer report, the person shall ( 1 ) provide oral, written, or electronic notice of the adverse action to the consumer.

( 2 ) provide to the consumer written or electronic disclosure

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08
Company: DISCOVER BANK
State: KS
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 account # XXXX, has violated my rights. 

15 USC 1681 Section 602 State I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: Experian Information Solutions Inc.
State: MD
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 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 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 2023-07-28
Company: U.S. BANCORP
State: FL
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:
On XXXX XXXX, XXXX I requested a balance transfer of {$5600.00} to pay my XXXX 's XXXX credit card. XXXX, XXXX, I noticed on my XXXX XXXX statement that my {$5600.00} had not been credited. I contacted XXXX to inquire about my payment. They asked me to send proof of payment. On XX/XX/XXXX, I sent proof of payment. XXXX credited my account temporarily pending their own research. When they researched, they found no payment received. I continued to argue with them for several months. They would credit my account pending research and then re-debit when no payment was found. On XX/XX/XXXX, I opened a complaint with you, the Consumer Financial Protection Bureau. After much research, you closed the complaint. So if you are satisfied that XXXX never received the payment, SouthState Bank must never have sent it. So I am hereby opening a complaint against SouthState. XXXX XXXX requested from Southstate the Routing number and account number to where SouthState sent the funds. SouthState only sent a reference trace number.

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: IN
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. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

There are multiple mistakes between the 3 credit bureau reports. 

Last payment dates are wrong Closed account dates are wrong The Collection Agency name is wrong XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 2023-07-29
Company: EQUIFAX, INC.
State: VA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.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 personal information. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: Fidelity National Information Services, Inc. (FNIS)
State: WA
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:
This is my third complaint about ChexSysstems. They asked me to dispute items on the ChexSysstems report to the tune of which I have I have also asked to see if XXXX  understand and be the liaison to the fact that I am disputing the entire report the entire report is incorrect all XXXX pages every bank of the United States on there plus a fraud alert none of that is accurate and XXXX asking that all be removed or for them to explain why its on there and I keep getting the same XXXX redundant statement we are ChexSysstems XXXX creditor. That has nothing to do with my dispute its just passing the buck like they always do. I have tried to get this cleared for XXXX years and it doesnt go any further than where we are now because ChexSysteXXXX refused to prove that I have these erroneous accounts and they just go with what their XXXX XXXX  collector says deliver credit check systems other data collector is wrong give me a break XXXX speeding every item on that report all XXXX pages that should be an indication. Who has a report XXXX pages long and has no bank account he cant get XXXX but doesnt owe

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: Cottonwood Financial Ltd.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I have a loan at Cash Store in XXXX, Texas. Address is XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX. My payment was due on XX/XX/XXXX. Today is XX/XX/XXXX. I called to make the payment and I was told by XXXX that I'm required by the contract to refinance because my payment is late. I understood that she would turn my account over for collection and ruin my credit if I don't refinance, She does not want just the payment that is due. Is there a law to protect me? This is the first time I'm late with my payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-05
Company: CONGRESS COLLECTION CORP
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/XXXX, XXXX XXXX placed a negative report for a collection account on my XXXX credit report. I have no idea who the original creditor is. I mailed a request for verification of the debt to XXXX XXXX, and they never responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: Experian Information Solutions Inc.
State: TX
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:
It appears that my credit with you has been compromised. I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove these items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report with reference # XXXX for you, and the bank 's records ( learned through more research both parties require ). Please remove these items. If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that these items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
EXPERIAN : XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX - XXXX XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX 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 explanation
Consumer complaint received 2023-09-11
Company: EQUIFAX, INC.
State: GA
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:
After pulling my consumer report on XX/XX/2023, I filed a dispute with Dep of Education Loan ServicesXXXX XXXX also the three major credit bureaus XXXX XXXX Equifax XXXX and XXXX XXXX I disputed 8 accounts that were furnished onto my consumer report by XXXX Dep of Education Loan Services that were reporting age was over 7-10 years. Lawfully XXXX should have removed these accounts from my consumer report as they were delinquent. On XX/XX/2023 XXXX sent me their Investigation Results also Equifax dispalyed the results same as XXXX after the Investigation. The Invesigation reults from the disputed accounts were 6 out 8 XXXX  accounts removal/deletion from my consumer report. Since then, i have had to send dispute letters to XXXX for continuingthe furnishing of false and lawfully disputed information. XXXX has made it clear that they do not respect my consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have 4 cards with capital one. I spoke with them multiple times about the XXXX hardship i have been experiencing. I asked them about a hardship program to help pay down my balances. The interest rates they charge me are so high. They were unwilling to help me. I closed all the cards yesterday.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
bank of america steals. i overpaid balance on boa credit card XXXX XXXX XXXX XXXX i need refund from thief bank of america. if i dont hear i will sue boa to get overpayment back. i need overpaymennt now. customer service sucks. this bank sucks.

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 2023-01-04
Company: Experian Information Solutions Inc.
State: NJ
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 sent the credit bureaus letters asking them to verify the debt on my credit report. They sent everything back stating that everything is verified correctly. My credit report are still showing inaccuracies 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 knowns 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 explanation
Consumer complaint received 2023-09-10
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Reporting act ( XXXXXXXX XXXX XXXXXXXX Account # XXXX ), has violated my rights. 15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15U.S.C 1681 Section 604 A Section 2 : It aiso 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 a credit account under an open end consumer credit plan as late any reason.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-04
Company: Experian Information Solutions Inc.
State: OH
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 Account 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 explanation
Consumer complaint received 2023-07-29
Company: EQUIFAX, INC.
State: NC
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 name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.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 personal information. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XXXX. XXXX  XXXX It shows in the payment history, 120 days late on XX/XX/XXXX and XX/XX/XXXX. This is factually incorrect. Remove/Delete this account due to factual inaccurate reporting. 

XXXX. XXXX XXXX XXXX XXXX not late in XX/XX/XXXX. Provide information on how this was verified. Update the account status to paid as agreed, never late XXXX. XXXX XXXX  I was not late in XX/XX/XXXX. Provide information on how this was verified. Update the account status to paid as agreed, never late XXXX. XXXX XXXX XXXX This collection should not be reporting a payment history and past due amount. Delete/Remove account due to factual inaccuarcy. 
XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Payment history shows, 120 days late on XX/XX/XXXX and XX/XX/XXXX. This is factually incorrect. Update the account status to paid as agreed, never late

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