BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
On XX/XX/XXXX I sent Transunion a copy of a police report I had to file due to identity theft XX/XX/XXXX. I was currently living at XXXX XXXX XXXX, XXXX, XXXX  XXXX. In XXXX I moved to XXXX XXXX, XXXX. I have been having problems every since identity theft has taken place. My name is obviously getting mixed up with someone else. I have had it with these third party agencies reporting what they like with no documentation to validate erroneous accounts that are reporting. The burden of proof in court will be on the collection agency or the creditor not the consumer. I have requested multiple times signed credit agreements which I have yet to receive from no one. I will be moving forward with legal actions once this last dispute is submitted. No consumer should never have to go through this at no time in their life. Bankruptcies do not verify nor do they report to Transunion and third party companies do not have full social security numbers. Bankruptcy do not give information to no third party companies NEVER! XXXX XXXX is a third party agency and do not have full social security numbers. Transunion has not verified the bankruptcy because there is a FREEZE on XXXX XXXX  file. I do have receipt of that too. XXXX XXXX  XXXX XXXX, XXXX home lending and this Bankruptcy whom all are not of mine. Remove 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 2023-04-22
Company: Experian Information Solutions Inc.
State: MI
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:
When I see my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts 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 accounts below : XXXX XXXX Balance : {$11.00}, XXXX XXXX XXXXXXXX Balance : {$3200.00}

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 2023-01-07
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
Through XXXX I opened a XXXX XXXX in XX/XX/2022. I used the account once to purchase approximately {$50.00} in fuel and it was closed by the lender for potential suspicious activity. I paid the amount I had charged immediately. 

In XX/XX/2022 I received an email that my monthly membership fee of {$10.00} was due. I emailed customer service and they indicated that it was a mistake, the account was closed, and I owed no balance and no monthly membership fee. 

In XX/XX/2022, they reported a {$10.00} balance as delinquent, Up to 30 day beyond terms on my Experian XXXX credit report. My XXXX XXXX dropped from XXXX to XXXX because of the incorrect reporting. I was also denied a business credit card with another lender because of the erroneous delinquent reported 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 2019-06-16
Company: Complete Credit Solutions, Inc.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had a man call me on my business cell phone and asked if my first and last name were blank & blank and I said yes because it was my name. 

He began to get very aggressive with me and screaming at me. He kept telling me I had borrowed money from him and never paid it back. He said that he would get the monies and fees for me making him track me down and refusing to pay. I told him I have never borrowed money from anyone that I have not paid back. 

Yes, I had a rough divorce and was left with insurmountable debt ( XXXX+ ) but I still worked with every company to either pay them off per the agreed upon timeframe. I paid almost XXXX of it off. It will soon be 4 years since the divorce and I am finishing up the last year on the balance of almost XXXX. 

I would not ignore any debt and Im sure any of my creditors will tell you that I am the one that tracked them down after the divorce to pay them back. 

I had used all of my savings paying almost XXXX of debt off. I then called the remanding companies and worked out payment plans. 

I dont owe anyone nor have I ever heard of this man or what he says I borrowed from him. I would have never borrowed the amount of money he said I did. I had money and no need to borrow what I did make in 15 minutes. 

I had someone that had everything in my name and we either had to file bankruptcy or I had to pay it. I agreed to pay it and I have paid off the majority of it with 14 months remaining. 

This man wouldnt tell me his name and said I had no education and that he could tell it was me because I was uneducated amongst many other things I would never ever like to hear again. I get notified over a year later that he has put it on my credit file but he has increased it too. 

I ask for this man to tell me who he is and why he has preyed on me and I would like to sign an affidavit with the DA for criminal distortion of funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28
Company: Creditors Specialty Service Inc
State: ID
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Creditors Speciality Service Inc sent me a document saying I owed {$100.00} because of XXXX at  XXXX XXXX XXXX in XXXX, Idaho. We paid the amount XX/XX/2015 and thought this issue was resolved. I recently pulled my credit report and noticed that I am still in collections with XXXX XXXX XXXX. How do I resolve this issue?

Company response to consumer: Untimely response
Consumer complaint received 2023-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NJ XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1800.00} ; 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 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

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 2018-09-02
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have been disputing XXXX XXXX Hospital charges for about 6 months. The account was closed many years ago because I was on Medicaid who covered the balance of my medical bills. Also, I moved away from the state of XXXX on XX/XX/2015 due to XXXX  XXXX. I have lived in XXXX since then and have never been back to XXXX to incur any debt. Each time I dispute this issue with a credit bureau, the debt is sold and my credit is ruined again. I have to constantly fill out these forms and research my credit. I have to Pay for monitoring of my credit from Experian. I am being harrassed and it's too much. Please help me.

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 2020-06-25
Company: OneMain Finance Corporation
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX is reporting Springleaf Financial Services creditor ( which uses alias company names to obfuscate and obstruct consumer disputes ) to be a collection/charge off account on the XXXX   website on my current credit report. Yet it also states a {$0.00} balance with no past due payments. It also states it sold this debt to a another lender without mentioning the name of the other lender. My XXXX  credit report shows that currently XXXX is reporting Springleaf Financial Services ( Springleaf, Springlf Fin ) is a closed account with {$0.00} balance and no late payments. So because Springleaf is a closed acccount, with a {$0.00} balance, and this has been purchased by another lender, the other lender has not been reporting since the purchase and does not even list their name.1. The time-barred statute of limitations for collections is 3 years in XXXX/XXXX   from the first report of deliquency. That is 4 years past. 2. This creditor reports a {$0.00} balance with them so they are not collecting. 3. If this supposed debt was sold, it is not listed to whom, but still disallows Springleaf by any alias to report on negatively on my credit because I have no financial obligation to them as Springleaf reports a {$0.00} balance and no late payments. 4. No verification of debt has ever been produced by Springleaf nor this supposed other purchaser of this debr to me for this debt, which is not a debt because it is a {$0.00} balance. It is only the right for the purchaser of this supposed debt to make a claim after verification of debt to them that I even owe a debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-18
Company: Allied Collection Services, Inc. (Nevada)
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Plain Statement of Facts : On XX/XX/XXXX, complainant discovered a total of two unauthorized electronic mail ( email ) communications sent by Allied Collection Services Inc. ( hereinafter ACSI ). ACSI advances, and complainant received ACSIs initial communication on XX/XX/XXXX, and second subsequent communication on XX/XX/XXXX. The electronic mail communications advanced by ACSI qualify as communications under the Fair Debt Collection Practices Act ( hereinafter FDCPA or the Act ) because both messages either convey information regarding an alleged debt or, imply the existence of an alleged debt. ACSI admits in each of its communications that each communication is from a debt collector and that it is attempting to collect a debt. Complainant is a consumer under the FDCPA. ACSI is bound by certain duties and obligations to complainant under the FDCPA including, but not limited to, absolute compliance with the statutory notice requirements existing in 1692g ( a ) of the FDCPA. This statutory disclosure obligation is triggered by an initial communication with a consumer in connection with the collection of any debt. None of ACSIs communications contain the statutorily mandated disclosures enumerated in 1692g ( a ) of the FDCPA, which include the amount of the debt, complainants right to dispute the debt, and/or how to obtain more information about the alleged creditor. ACSIs failure to provide complainant with the statutorily mandated disclosures, within five days of its initial communication, has caused complainant to suffer an injury in fact that is concrete and particularized. Complainant has been upset, distressed, and worried about these issues with ACSI. As a result of ACSIs conduct and behavior, action or inaction, complainant has suffered mental and emotional pain and anguish, humiliation, embarrassment, confusion, XXXX, and 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 2020-09-14
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
A debt collection company has reported inaccurate information to Experian and Experian has not removed it. -- A couple of months ago, I noticed my credit score suddenly took a big drop and I investigated and discovered a company called XXXX XXXX XXXX ( XXXX ) had filed a collection on me saying I had opened an account with them in XX/XX/XXXX, which I had not. I filed a dispute with Experian to remove the inaccurate information and Experian just closed the dispute ( # XXXX ) without any changes being made to my file. 
Since the inaccurate information is still on my file, I contacted XXXX  directly and the representative acknowledged that in fact I had NOT opened an account with them in XX/XX/XXXX but that they had purchased an old debt on me in XX/XX/XXXX. The debt they purchased was opened in XX/XX/XXXX and the last activity on it was in XX/XX/XXXX. ( Allegedly, I had taken out a {$500.00} payday loan and made one payment on it in XXXX. ) I reminded the XXXX representative that even IF that was my debt, it has been over 7 years from the last activity and it should not be reported on my credit reports. The representative said no, that the debt was started with them in XX/XX/XXXX. 
I called Experian and asked them to remove the inaccurate information but they said there was nothing they could do about it since XXXX says it is correct.

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 2023-01-04
Company: Experian Information Solutions Inc.
State: NC
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:
I have submitted disputes to the three major credit bureaus and its been longer than thirty days and they havent finished their investigation thats required by law and I am harmed due to this situation I cant get a loan for a home or auto until these inaccuracies are resolved, this is the second time Ive sent in this disputes and Ive followed their procedures in providing proper identification and proof of residency.

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 2023-04-22
Company: EQUIFAX, INC.
State: NY
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NJ XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1800.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/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 2020-02-18
Company: AMERICAN EXPRESS COMPANY
State: VA
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:
I disputed several charges with American Express for XXXX Resorts. I conveyed to American Express that the merchant did not provide the services that were provided. Specifically, the merchant advertised that they had multiple restaurants, many of the restaurant were closed or the same exact restaurants but changed the names at different times.The services rendered were so bad, we were going to change our flights to leave and come back to the United States. I contacted the hotel manager who apologized and offered us a cabana to compensate us for the poor service. I explained that a cabana would not be sufficient compensation. The staff was extremely rude and unprofessional. The resort was unclean and failed to live up to what was advertised on the website. American Express initially provided a credit but then reversed it after the hotel provided a copy of the cabana that was offered as a kind gesture. I, XXXX XXXX did not sign for any services at this hotel, My signature was never given as authorization for these charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07
Company: BlueChip Financial
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I applied for a loan with Spotloan on XX/XX/XXXX. They approved me for a {$500.00} loan with a lengthy repayment schedule and high repayment amounts. I called Spotloan to ask about the interest rate and how my payments would be applied to repaying the loan. I wanted to make sure I could pay it off quickly. I did not want to make payments til XX/XX/XXXX like the payment schedule showed. But I didnt know how my payments would go towards the principal and interest. 

The representative told me he couldnt tell me until after I had the loan. He said he couldnt see my interest rate and didnt know how my payments would be applied. He said I had to call back after I had paid he loan. So I waited and called back. Another representative told me I was being charged interest daily! The interest always made the amount owed more than my payments. Every time I made an online payment, my balance got higher. Furthermore, the balance they would email me didnt match the balance when I logged onto my online Spotloan account. 

My plan of paying this loan off quickly was ruined by the way they are handling the interest. I never would of accepted the loan if I knew my payments werent going towards paying off the loan. The should of told me upfront. They also need to let me know my actual balance and not give me conflicting information. I want to resolve my debt with this company. But I also want to report their deceptive practices. 

Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: EQUIFAX, INC.
State: CA
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:
On XX/XX/XXXX I submitted a complaint through the CFPB portal about some fraudulent, unauthorized inquiries on my Equifax Credit Report. Complaint ID is XXXX on XX/XX/XXXX, Equifax response to the CFPB on the CFPB portal was that inquiries below were removed/deleted from my report. I also received an Equifax report # XXXX stating this inquiries were removed/deleted from my report but as today Monday, XX/XX/XXXX this inquiries still showing on my credit report which cause my credit score to drop 19 points. The inquiries are the ones below XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX. This inquires are fraudulent/unauthorized. 

*** See attached CFPB report and Equifax Response.

Company response to consumer: Closed with explanation