BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-27
Company: Commonwealth Financial Systems, Inc.
State: MO
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/2018 I sent certified mail letters with return receipt to the collection agency Commonwealth Financial to validate the alleged debts that were on my file. This company is attempting to collect debt on several collection accounts on my file. The accounts are as followed : Account : XXXX Account : XXXX Account : XXXX Account : XXXX Account : XXXX Account : XXXX The company sent back the return receipt with a signature. The company failed to validate the alleged debts. It has been over 30 days and I have received no response from the company to this day. The collection agency failed to complete the Validation process. Please be advised that I am disputing these collections due to the fact that Commonwealth Financial currently does not have a valid license in the state of Missouri to collect on debts. I checked the Missouri state secretary website and the information for the company states that their license is currently Admin Dissolved - Profit according to the Missouri secretary of state. 

I am requesting that you investigate this matter and delete these accounts from my file immediately. I specifically asked for a signed agreement and other supporting documentation and I have not received a response from Commonwealth Financial validating these alleged debts. They are reporting delinquent information to the credit bureaus that I am asking be deleted.They failed to validate these alleged debts. If these collections are not deleted I might sue for violation of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
It is completely unfair to find late payments on my account given my consistent history of timely payments. I demand that this error is rectified promptly. I kindly implore you to immediately correct this situation and ensure my account accurately portrays my history of punctual payments.

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 2023-01-17
Company: CCS Financial Services, 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: Information belongs to someone else

Complaint:
I just recently pulled my credit report after purchasing new cars and came across a collections account from Consumer Credit Services on behalf of XXXX XXXX, of which I have never had any business with. I have filed a dispute with all 3 credit reporting agencies and they advise I file one with the FTC as well. There is also an address now showing on my account that the agencies confirmed are tied to this account which is XXXX XXXX XXXX XXXX XXXX, TX XXXX. I have never lived at this address or anywhere in the greater XXXX area. 

The CCS account is showing opened on XXXX, which is around the same time we purchased the cars and is now in collection for {$2400.00}. 

I have called CCS to notify them this is not my account as well and that I am filing a dispute on it.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29
Company: EQUIFAX, INC.
State: OK
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 XXXX XXXX do solemnly swear that I am writing and submitting this complaint by myself on my own behalf. I have submitted numerous dispute to Equifax to have inaccurate items removed from my credit report as well as some unknown things. My 3rd dispute I mailed in was the XXXX day of XX/XX/2021 and I haven't heard anything or received any kind of correspondence from Equifax at all in regards to my dispute. I feel like that are purposing targeting me due to my demographic and ignoring my request. That's really taking advantage of me as if I'm not an educated man. Now I am demanding that these accounts and items not only be deleted from my credit report, but I AM demanding that these accounts and items be deleted immediately or I will be filing for litigation because this is insane the extreme amount of XXXX  you all are causing me. I've been in hospital twice XXXX  over this. It's not fair and federal laws are being broken at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I'm deeply troubled by this matter and it's impacting my sleep. I've consistently made payments on time, so I'm requesting an immediate update to my account due to the distress it's causing 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 2022-11-14
Company: Experian Information Solutions Inc.
State: SC
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 am submitting this CFPB complaint in response to your current evaluation. I have to pursue my efforts to resolve these matters which require intentness to my personal credit report. I am frustrated and feel there are errors that are still reported on my personal credit report which are not clearly stated as to the accuracy and completeness of the information. 

At this time, I solely seek the correct remedy to my personal credit report and dispute the remaining information to fix. 

XXXX XXXX XXXX XXXX Balance Owed : {$1000.00} - I think the information provided in this account is false. When it comes to the dates this account portrays, I don't think I was late. I always make my payments on time and have never been late because I keep track of them. Please check the account 's name, last activity date, and balance. This information appears to be inaccurate. Please conduct an investigation and update this account to reflect legal accuracy. 

XXXX XXXX XXXX XXXX Balance Owed : {$800.00} - You have no right to continue reporting this account on my Credit File since this account was already deleted from the other Credit Bureaus XXXX Under the Fair Credit reporting Act, Credit reporting must be accurate. I need you to stop this erroneous reporting and delete this account completely from my Credit File. 

XXXX XXXX XXXX Balance Owed : {$3600.00} - This account was already removed from the other Credit Bureaus therefore must also be deleted from your Credit File. Only if your record keeping had been accurate, this account should have already been removed from my Credit File. Under the Fair Credit Reporting Act, I need you to please remove this account from my Credit File as soon as possible. 

XXXX XXXX XXXX XXXX : {$0.00} - The following account should be on my credit report, so please give proof that this is the case and that my rights have not been suspended. If not, kindly remove this destructive info right away. 

Please send me the name and addresses of persons contacted for each ordinance found in the FCRA. If this information can not be equipped to satisfy me, get rid or update the items and maintain your help in attempting to resolve the current issue.

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 2023-02-10
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
PNC BANK phone number # XXXX The bank is charging fees on usage with debit cards while the company reduces the amount of branches therefore forcing clients to access funds from debit machines and charging customers and making it inconvenient. Also, recently the debit card I was issued is not working properly ( 30 % of the time the card worked ) When I requested a new card I was assured my card would still work until the new card arrives. But the company put my card on hold until the new card arrives causing financial hardship not accessing my funds. After repeated attempts XX/XX/23 of calling in. I was constantly sent to other departments that were not able to help. The 2nd attempt with the customer service rep said the dept. that handles this is busy and I can't be helped, when I asked to have a supervisor get on the phone I was again transferred to a different department that couldn't help to avoid the transfer to the supervisor. I have contacted for the 3rd final time to get a supervisor, and the female service agent got me in touch with her supervisor ( XXXX XXXX who did nothing to resolve the issue and said she is not able to help me and again that she would have to transfer me. She said my card was not on hold that it's another issue making it more confusing and not explaining the reason. As i asked her why when I put my card and pin in the PNC debit machine that it did show my account but not let me access my cash. I told her I also tried to use my card with a purchase and was also declined. I told her this needs to be resolved before the weekend to access my money as there call center is terrible on the weekends. I explained to her this is unacceptable to contact them and have the issue resolved and she said that's not how it works. I told her to have someone fix it and call me back and nothing has been done. I am still unable to use my card. The mismanagement starts from the top all the way down to the service agents.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
My name 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 accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
Company: Experian Information Solutions Inc.
State: NH
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:
don't remember the specific dates but it was on news how negligent the credit bureau has been.

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 2022-11-14
Company: Millco Management
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was XXXX multiple times at XXXX XXXX XXXX in XXXX florida. I do not have insurance. I was told by multiple workers in the hospital that I wouldnt receive any bills. Well I received bills, I wrote back saying I do not have insurance and that I was told there would be no bills. I am still doing this to this day. Some of these accounts I disputed and won. But some went to collections. I have been paying off these collections accounts for 2-3 years, even though I was told by the hospital staff I would not see a bill. XXXX XXXX and amerifinancial solutions and XXXX XXXXXXXX  are the companies who I am paying. I pay what I can. Sometimes {$100.00} a month, sometimes {$17.00} a month. These companies have hurt my credit score severely. I am trying to do the right thing by paying these bills but I was told by XXXX XXXX XXXX staff in XXXX florida that I would not see a bill. I am not rich. I do not make a lot of money. I can not afford health insurance. Please help me

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Was approved for a loan, but didn't receive money

Complaint:
I received an offer in the mail for an " additional loan ''. I applied and received an email stating that I was " Approved for [ my ] loan offer ... '' as long as I verified income, identity, etc. This was confirmed on my account page with the company, which states, " Your documents have been reviewed and approved We are currently finalizing your application. A branch representative will reach out to you to you to set up time to begin your loan closing. '' I also received an " approval '' message on the webpage after submitting my application. 

I didn't hear from a rep. so I called, but was told, " I'm not approved and will receive a letter in the mail detailing why ... '' despite having an active and recent loan with the same company. I'm okay with the denial, except I was being deceived throughout the entire process to submit information and contact the local branch to " close '' on a loan. It was a waste of my time that affected my present and future financial planning and has led to losses on my part.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-19
Company: CORELOGIC INC
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have two inquiries in my report that I do not apply for. 

I have reached out the creditor and credit repair company with no resolution Credco XX/XX/2022 XXXX XXXX XX/XX/2022

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 2023-06-15
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account Number : XXXX, XXXX XXXXXXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX has violated my rights. 

i've already disputed these items, but they did not remove, nor prove validation. 

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 2022-11-14
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im resubmitting 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 any item 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, NV XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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 2018-08-24
Company: U.S. BANCORP
State: IL
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
For the last 2 years I worked with my mother, XXXX XXXX XXXX to move all of her assets into her trust. We were able to accomplish this task mostly without pain except for her US Bank accounts. 
Even though we went together several times, bringing all the required ID and documents, we could only get 1/2 of her accounts into the trust and that was only after her trust attorney intervened, called the bank and gave me an affidavit. 
My mother died on XX/XX/2018. I am her executor and trustee. I was able to get checks for the CDs that were in her trust, however I am getting the run around again for 2 IRA CDs which they claim they can only access through their IRA dept. Again, I gave them the documentation including the death certificate, the will naming me as executor and the trust naming me as the trustee. I was at the bank on XX/XX/18 and was told I would hear something the next day. I didn't get a call on XXXX., so I called for an update. I didn't get a call back but rather a vaguely worded email stating that since the bank that issued the original CDs was an acquisition they would need to get the 'green light ' to disclose the beneficiary information to the banker. I responded asking for an ETA but never heard back. 
If the CDs have a beneficiary, I need to know that so 1 ) we know whether we need to go to probate court because we'll be over the limit if there is no named beneficiary and 2 ) I can tell whoever is the beneficiary to collect and cash in the CD in order to execute the will. 
I will be leaving town for a month beginning XXXX XXXX and would like to resolve this issue before I leave. 
The people I was dealing with at the XXXX IL branch of the US Bank are XXXX XXXX ( XXXX branch manager ) and XXXX from the XXXX Bank. 

Thank you. 
XXXX XXXX XXXX TTEE for XXXX XXXX XXXX Trust

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 2023-02-15
Company: EQUIFAX, INC.
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:
XXXXXXXX XXXX purchased XXXXXXXX XXXX in XXXX of XXXX. I had a Covid extension with XXXX in XXXX. I paid the account in full before the COVID-19 hardship was to expire, XXXX did not report my account as late to the credit reporting bureaus. After XXXX purchased, the XXXX XX/XX/XXXX late payment was reported to all three credit bureaus, I have disputed the validity of this late payment with all three credit reporting bureaus and to XXXX directly XXXX I went up the chain of command within XXXX with no resolution. I have asked for all records from my account with XXXX including the hardship deferment during COVID-19. Still, nothing has been provided to me except to tell me over the phone that their investigation showed the reporting of the late payment was accurate. No proof of this late payment or any agreements I had with XXXX. XXXX is reporting on an account that XXXX did not own at the time of reporting. The original creditor at the time, XXXX, did not report me late for XXXX of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: EQUIFAX, INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
On XX/XX/XXXX I paid my XXXX XXXX account off. it is showing paid in full. 

I paid my Limited account off in the same month in XXXX. It is also showing paid in Full both accounts are closed and the limited stores are closed across the country. 

Another account XXXXXXXX XXXX  Paid in full sold to XXXX and XXXXXXXX XXXX XX/XX/XXXX Affiliate name : XXXX XXXX acct number ending in XXXX File number XXXX DEBT PAID IN FULL I FILED BANKRUPTCY IN XXXXXXXX XXXX XXXX IN XXXX COMPLETED THE XXXX XXXX XXXX XXXX, THER HAS BEEN SOME CREDIT CHALLENGES OVER THE YEARS BUT MY CREDIT IS MY LIVELY HOOD. THERE WERE PERIODS WHEN MY DEBT SUPER CEEDED MY INCOME AND I WAS IN BETWEEN JOBS FROM XXXXXXXX XXXX XXXXXXXX THIS CAUSED A DECLINE IN MY INCOME AS WELL AS LACKING THE FINANCIAL MEANS TO COVER SMALL EXSPENSES. MY XXXX XXXX  IS SHOWING ON THE CREDIT REPORT AND DUE TO THIS I AM UNABLE TO SECURE HOUSING OR OBTAIN A SECENT INTEREST RATE IN THE EVENT I BUY A HOME. MY CREDIT SCORE SEEMINGLY STAYS IN THE LOW XXXX AS THIS HAS BEEN THE CASE FOR MANY YEARS NOW. THIS IS UNFAIR PRACTICE WHY IS IT NESSCESARY FOR A DEBT TO LINGER AFTER IT HAS BEEN PAID PENSES

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13
Company: EQUIFAX, INC.
State: FL
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:
Update my personal info, Delete all the accounts violating the FCRA and reporting inaccurate information

Company response to consumer: Closed with explanation