BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-24
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: Was not notified of investigation status or results

Complaint:
I disputed these accounts with the bureaus on XX/XX/23 requesting verification and proof of validation for these accounts. I have not received any dispute results. 
These account have been inaccurately reporting with HIPAA violations, numerous inconsistencies within their reporting that I have provided from the reports, & one doesnt even have the name of the creditor attempting to collect & is outdated. 

Given the circumstances, I am allowing one more investigation before I take further action. 

Please supply a binding contract with my signature for all accounts attached. Failure to provide this will result in a deletion 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 2023-08-28
Company: CITIBANK, N.A.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
According to the IRS, Citibank reported that they sent me a 1099C for {$19000.00}. I did not receive any such funds in XXXX. I have had three citibank accounts ; one that was charged off over 7 years ago ; for which I was a victim of identity theft. The second account is an open mastercard is good standing ; and the third was a mortgage which was paid in full. I have filed identity theft reports, written letters and called citibank regarding the charged off account to no avail. They were trying to get me to settle with a third party company for which I contact the credit bureau to share identity theft form and report as per Fair Credit Act the debt they were referring to was over 7 years old. On XXXX XXXX XXXX XXXX, I received a letter from the IRS saying I did not report income I received from citibank in XXXX, and now the IRS is charging me also {$7000.00}.

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 2023-04-10
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10
Company: Diversified Consultants, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The aforementioned credit collection agency representing whomever you r Client is  has violated the FCRA by not providing documents to me in regards to this debt. I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from my all credit files :  XXXX ,  XXXX  and  XXXX .   The business is required to disclose to me all of the documents that they have recorded and retained in their files that pertains to this " debt ''. If  Diversified Consultants  does not have any documentation other than a bill that they printed, ( i.e. : signature contract agreeing to p ay ) th ey need to retract this from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
Company: Bread Financial Holdings, Inc.
State: WA
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:
Comenity - Explorer Rewards Card. 
Our mail has been slow ( mis-delivered ) for several months now. I've been receiving my statement about 7-10 days before the due date. I set up payment through my bank 's bill-payer, who has been increasing the lead-time on mailing payment to the creditor. I've tracked payments that have taken 10-14 days to reach the payee. Even one that arrived there 1 week before the due date. In all cases, the payments were posted late and late fees with interest charged. I've paid off the balance and paid the late fees for three months, while submitting the tracking documents to their service dept to request the removal of those fees. 
just received another statement showing an accumulated balance of late fees with interest along with new fees. The principal was paid off months ago. I pay all my bills on time, so why single out this card to pay late? Comenity XXXX said that I " could mail the payment months early, and shouldn't expect a waiver '' if they post it late, even if I prove it arrived 7 days before the due date ''. She suggested that I call in to pay over the phone every month. The irony is that I don't need to use the card. I had it for convenience and it is much easier to just pay with cash. Now I'm not inclined to even shop at the store anymore. But maybe that is the card company 's intention ; to run off customers for the company they serve. 
The last two months, I have remitted the full statement balance of the late fees, hoping that it would zero the account and stop it. I'm again going to pay off the full balance. The late fees are {$35.00} per month and the interest of a couple dollars is carrying over a balance. So, the late fee is 30 times more than the balance. Then the interest accumulates on the late fee, too. So three months later, they billed me over {$100.00} in late fees and interest for a payment that arrived before the due date ( see attached tracking history ). I believe this is a predatory scheme of loan-sharking. It is unethical and disgusting behavior for a credit card company.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-08
Company: EQUIFAX, 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:
I need all these accounts removed IMMEDIATELY. I filed my complaint over 30 days ago and no one responded so I need these accounts removed immediately. 

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, 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. This was my complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have asked Transunion to verify a debt from   XXXX   XXXX   XXXX    who has already informed me that they do n't have a signed contract to authenticate this debt but it keeps coming back as verfied after numerous attempts to have account verified. I am constantly told that they have done what is required of their company. Even after explaining to them that I have spoken with the original creditor and informing them that they did not have any supporting documentation. Had to do a phone verification with   XXXX   to have this information removed but they removed it. I requested to have this information verified by signed copy of a contract. They have been verifying by name, DOB, SS #, and address. Which is all correct but where is the contract showing I agreed to the term of the agreement that they sent without a signature acknowledging I agree to terms. If Transunion has n't been given a copy of a signed agreement or contract between myself and the  XXXX   XXXX  Bank reporting agency how can this account be authenticated? I have asked on numerous accounts to have this authenticated by more the just my DOB, SS #, Address, Telephone number. I have asked specifically to have an original or copy of a signed contract or agreement be requested. I have been told by the senior level employee that they are not required to get this info and that they have met their requirement to validate. Even though I am telling them more info is needed and that I am disputing the legality of this account.

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 2017-05-10
Company: EQUIFAX, INC.
State: NY
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  has not provided proof of this debt they reported to Equifax and  XXXX  since   XXXX  . I have asked both agencies to remove this debt or provide proof of the actual debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10
Company: Clarity Services
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: Personal information incorrect

Complaint:
Placed a dispute request with Clarity Services in reference to inaccurate personal information and   unknown account ( s ) on my report.
Waiting for response from Clarity Services!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
TransUnion will generally not answer a call and their staff members on incompetent. I have tried to resolve an issue that states " Account Security : Your account has been temporarily suspended ''. This has been on my account for over 120 days and is preventing me from obtaining credit. This has created a hardship for me. I have spoke to their associates and they say that they will send me a " password reset ''. I question them about it and they tell me that it will clear up the matter. Then I go through the entire hassle and it does nothing. 

If this company can not be responsive and can not fix issues that they created, then the Federal Government should enforce the penalties associated and eventually they will correct their behavior or be forced to close.

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 2022-04-26
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I disputed inquiries that were done without my knowledge and or consent and they are still on my report. Under FCRA laws, I have the right to an accurate and true report. You can not verify or tell me something is true because its showing on my report. The credit report is information from third parties who can and will not speak for me. Please remove them. It was disputed within the bureau and as you are the distributor of my credit report, this is a bureau issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10
Company: Cedars Business Services, LLC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I sent them a statement by certified mail informing them that I did not want to be called anymore and that I would like to correspond through mail. I know they received the certified mail because I have the record. According to t he USPS, the y received it the morning of   XXXX   XXXX   XXXX    . In the letter, I wrote exactly :  " Cedar Financial or anyone representing Cedar Financial does not have p ermission to call my cell phone. I preserve my right to claim damages for subsequent calls und er the Telephone Consumer Privacy Act. '' Later that evening, I got a call from them again. This is after  XXXX    months of them repeatedly calling my phone ( every other day. ) I have the file # they gave me that I can provide to CFPB if requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25
Company: Bridgecrest Acceptance Corporation
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
My vechile was totaled out by the at fault driver 's insurance company. My loan company was aware that the vechile was totaled out. My loan company has not or did not contact me at all since XX/XX/XXXX. I was in dispute with the insurance company so the insurance company contacted my loan company and lied stating that they the insurance company could not get in contact with me. I have attached screenshot showing communication after the date of when the loan company states they sent 10 day letter to the wrong address. So my loan company took the insurance companys side and put the unit out for reposession without any foundation. When I found the car repossessed I called the loan company and was not able to speak to the total loss department about the issue and also found out that the address that they sent the 10 day letter was the incorrect address. I have updated my address 3 months after I got the loan. My issue is that the loan company has never called me to inform me that the insurance company had contacted them and I know they have the correct number because I've had to open previous cases against this company due to numerous calls in one day several days in a row they have made. I was also informed that this is going to show as a reposession on my credit and it should not as it was a total loss and the company was aware of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Hello, I wish to file a complaint with the credit card company, GE Money Bank for harassment. I am not sure who to directly contact because the debt has been sold several times over the years. I am writing because I have been dealing with this issue since XXXX. I have stated several times in the past that I do not owe the debt but every time it is sold to another company the harassment starts again. About 3 years ago a representative showed up at my mother 's address looking for me, they have also shown up at my workplace looking to speak to me. Today ( XX/XX/XXXX ) I received a call while at work from a representative on behalf of the company asking me to verify my address because they are filing a legal complaint against me. 

I confirmed my address and again explained to the representative I had been dealing with this for years and that it was not mine. I also stated " Statute of limitations in my state '' The representative then went on to explain how they legally have 15 years to try to collect from me. also stated that the company still has 5 years to try to collect on the debt for me. the representative then informed me that they were filing a legal complaint to put a lien on my house, and my paid-off vehicle, and to garnish my wages from my bank account. I then asked for information about the company so I could contact them once given the information the representative ended the call with " We will see you in court, have a nice day '' After going about my day I received a call from my ex who I no longer speak to informing me that he received a call from a debt collector, they left a voicemail on his phone about the debt. He sent me the recorded voicemail and on the phone, the same female representative was talking. The representative left a voicemail stating '' This message is for ( My full name ) how there's been a legal complaint filed against me, a reference number, and for me to call the number back. 

To make matters worse I then received a phone call from my brother that he also received a phone call about the same debt. They were asking him to verify my address and when has he spoken to me because they were looking to file a legal complaint. This is embarrassing because this company should not be allowed to discuss the reason with my family members or ex. I have been harassed for several years now and I would like them to stop. I will not pay a debt that is not mine. This company has committed false claims against me by threatening to put a lien on my property and car. I

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 2023-07-24
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I received this BMO Harris Bank Mastercard which stated that I would receive a {$200.00} credit after spending {$1000.00} in the first 3 months of the card. I spent more than the {$1000.00} that was required and never received the advertised credit or cashback. I've spoken to them numerous times and been ignored some have even laughed on the phone which is very poor customer service. I hope this bank gets investigated for false advertising.

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 2022-10-26
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
By the provisions of the Fair Credit Reporting Act, I am submitting this CFPB complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file : XXXX XXXX XXXX XXXX XXXX Balance Owed : {$340.00} - There are multiple errors in the listing that are damaging to me including balance, payment status, and date of last payment. I do not believe I was late on the dates you are reporting. I always make my payment on time and I never missed a payment. Please update for lawful accuracy. 
XXXX XXXX XXXX  XXXX Balance Owed : {$610.00} - Please check the Payment History and Status information on this account. It is entirely wrong, to begin with. I was never late on this account because I make my payments on time. My record shows that I never missed a payment. Please update all lates immediately. The current status is all wrong and a scorable category. Please update for legal accuracy. 
XXXX XXXX Balance Owed : {$0.00} - This just proves your lack of proper record keeping. Now, this item is reported to be 30 days past due, yet it is closed and the balance is XXXX. Lets correct this immediately. You are required to verify for yourself but I will go ahead and remind you that this account was paid, closed, and no longer active and should have reflected the status of PAID. Provide documentation that you have not abrogated my rights by reporting false information, otherwise, remove it immediately. 
XXXX XXXX Balance Owed : {$460.00} - This particular account is undoubtedly placed as a charged-off account, make sure you tell me the reason why there is a balance indicating on the statement if its a charge-off? The balance is truly incorrect, if possible, replace it to XXXX or eliminate the item certainly.

Company response to consumer: Closed with explanation