BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-20
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am in receipt of my credit report dated in XXXX 2023.Since obtaining my credit profile I came across this account that does not belong to me. I sent Midland Credit Management certified letters and have not received a response from them regarding inaccurate marks on my credit report. I am for certain that I do not owe your company any money. For starters, I have never done business with you. In fact, I had never heard of your company until having received my credit profile. What I find strange is your attempt to settle the debt with me when I do not owe you any money in the first place! Please see this as me disputing once again this alleged debt with your company as well as requesting debt *VALIDATION*. You have more than enough time for you to send me and CFPB legal supporting documents bearing that I've done some type of business with you, *HENCE OWING YOU MONEY*. This is not my debt. Since this " UNKNOWN '' debt appears to have been sold to a collection agency anyway. The contract should be CANCELLED!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
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:
This unconfirmed accounts listed below continue to report on my credit report despite the previous written requests, in violation of federal law. I dated the previous letter I sent to the 3 Credit Bureaus XX/XX/2022, but I never received a reply. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be validated ( A ). I will take legal action against you if you do not guarantee these accounts. Please follow the law so that this situation can be settled quickly : XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX  XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX 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 2020-06-14
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Upon reviewing i notice a New CHASE Total Checking account and credit card open under my information without my acknowledgement or consented. Please authenticate the account holder.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: American Credit Acceptance, LLC
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
I bought a XXXX XXXX XXXX from XXXX motors in XXXX Alabama that recently changed their name to XXXX I immediately brought to their attention that no sooner than I drove off the lot the cv axels was shaking so bad they was about to break, there's a bad power steering leak, bad oil leak, the electrical wires has been cut and rigged. They said they would fix it ir put me in a new car which they never did, when my first month 's payment was due they illegally repossessed the car costing me {$700.00} to get it back instead of the {$300.00} carnote again I mentioned the mechanical issues still unresolved. Today I received a letter from American Credit Acceptance notifying me that apparently the carlot sold my account to them and did not hold up to the deal that they agreed to. I was supposed to only owe {$100.00} payment XX/XX/XXXX and my payoff was supposed to be {$3000.00} not {$6000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: Credit Control, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am currently getting a {$770.00} bill when my insurance clearly told I am suppose to be paying XXXX this lab test was part of my physical.

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 2022-07-21
Company: EQUIFAX, INC.
State: SC
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, has violated my rights. 

15 USC 1681 Section 602 States I have 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 2023-08-03
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:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2023-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
i have sent letters serveral times to dispute that the bankruptcy court does not report to credit agency

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 2021-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX RE : Transunions failure to physically verify the originally signed consumer contract of the three below fraudulent accounts, has hurt my ability to obtain credit. 

To Whom It May Concern : TransUnion This letter is to inform Transunion that you are reporting inaccurate and incomplete credit information on my Transunion credit report. 

Listed below are the three fraudulent accounts that must be removed from my TransUnion credit report. These accounts were also, removed from my XXXX  and XXXX  credit reports which I have attached. 

1. XXXX XXXX  Account # XXXX {$1800.00} XXXX XX/XX/XXXX 2. XXXX Account # XXXX - {$1900.00} - Open XX/XX/XXXX 3. XXXX Account # XXXX - {$16000.00} XX/XX/XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post to my Transunion credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in fraudulent accounts. 

Transunions failure to physically verify the originally signed consumer contract of the three above accounts, has hurt my ability to obtain credit. 

Under the FCRA, if Transunion is unable to provide me a copy of verifiable proof, you must remove the accounts listed above ; as they were opened fraudulently in my name. I XXXX XXXX demand that the above accounts be removed from my Transunion credit report immediately ; as they were removed from my XXXX  and XXXX  credit reports. 

Transunion, must reflect and maintain an accurate and complete credit profile identical to XXXX  and XXXX  credit reports. 

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Thank you, 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 2021-06-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I was on vacation in XXXX XXXX. and my bag was left in the car while I went to the beach, during this time I was in the water I was robbed someone entered the vehicle and went in my bag and stole my card information charging {$2200.00} on XX/XX/21, and used my card information the next day on XX/XX/21 for another unauthorized charge of {$800.00}, which during this time I was at the airport hours away. I provided documents that it is not possible for me to make these unauthorized charges and have been denied by Bank of America three times. Bank of America failed to send out an alert on my secured checking account when the first charge of over {$2200.00} was charged to my debit card and they failed to alert me of the second unauthorized charge made on the account, which put the account in a negative balance. I made a police report here in the US and in XXXX XXXX and provided the case number to the bank. Bank of America changes the reason for denial every claim made through there investigations Dept. which they failed to provide any information and sent me a denial letter accusing me of making theses unauthorized charges to my account. I am filing this complaint because Bank of America has an obligation by law to protect customers from fraudulent activity and to protect consumers finances by law and they are refusing to abide by the federal regulations. The time these charges were made I have provided documents that I could not have made these unauthorized transactions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
TransUnion says it has investigated the below dispute. XXXX says they charged-off XXXX on my credit report. This was a secured credit card of XXXX that they retained. Unknown and not communicated to me was the XXXX fee that they said I owed. After finding this out the fee was paid. This has been going on since XXXX. XXXX  will not return my calls. 

Please help, Thanks, XXXX XXXX Report Created On : XX/XX/XXXX File Identification Number : XXXX Provided by TransUnion Consumer Relations Your Investigation Results INVESTIGATION RESULTS - VERIFIED AS ACCURATE : The disputed item was verified as accurate. 
We investigated the information you disputed and the disputed information was VERIFIED AS ACCURATE. Here is how this item appears on your credit report following our investigation. 

XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Account Details Account Details Payment Status Account Number XXXX**** Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type revolving Loan Type SECURED CREDIT CARD Balance {$0.00} Original Amount {$1100.00} Original Charge-off {$1100.00} Credit Limit {$1000.00}

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 2023-07-25
Company: Advantage Financial Service LLC (Idaho)
State: ID
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I went to XXXX XXXX XXXX on XX/XX/XXXX. I never received a bill or statement. in XXXX XX/XX/XXXX, I got a call from Advantage Financial Services saying I owed money on a medical bill. The representative gave me the medical bill provider information and I called to see what it was for. It was for the medical service on XX/XX/XXXX. I stated to them that I never received any communication on this bill. On the first call with the 3rd party bill, I was told they sent 1 statement on 2/25/23. I found out my rights and called back to the 3rd party biller and spoke to someone else, that representative told me there was XXXX  statements sent out on XX/XX/XXXX and XX/XX/XXXX. The XXXX party biller said that was all the are required to send out. I also disputed I got these and they made changes to my account for future communications. 
I then called the office XXXX at XXXX XXXX XXXX, XXXX. i went over with her that I could have got the statement but I do not recall getting anything. I said that I have made arrangements or taken care of every other medical bill related to the XXXX from the XX/XX/XXXX visit. She then called me back on XX/XX/XXXX to say they listened to the call with the XXXX party biller and there was nothing they could do and the bill would stay at the collection agency. When I initially spoke to XXXX she agreed with me that XXXX statements mailed out, no phone call, no other attempt to contact me did not seem right. 
I have taken care of all other medical bills, so why would I not contact them if I knew about the bill. I have verified they made not other attempt to contact me than the supposed XXXX statements sent. 
I had saved money on my XXXX XXXX XXXX pay any smaller medical bills before I paid the largest XXXX. I waited until May, I figured by that time I would have all the bills in and budget how to pay. I could have and would have paid this bill had I received. 
I will not be letting this go. What they did is wrong on XXXX even said that on our initial phone call.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
The following company below has placed an inquiry on my credit file that I did not authorize. I no nothing about it and I would like it removed right away. 

Requested on XX/XX/2017 Company : XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 2023-05-28
Company: CITIBANK, N.A.
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I am unable to allocate payments toward promotional balances. On XX/XX/23 at XXXX pm XXXX, I called XXXX XXXX XXXX XXXX XXXX XXXX ) to make a payment in the amount of {$260.00}, 100 % of which should go towards my promotional balance which expires on XX/XX/XXXX. I spoke with XXXX XXXX XXXX. My due date is the XXXX day of each month and my next payment due is XX/XX/23. I wanted to pay the promotional balance to avoid interest, but the Agent refused to allocate the payment as I requested. She stated that " she can take the payment but will not allocate 100 % of the payment toward my promotional balance, instead the payment will go towards the minimum monthly payment first ''. My due date is XX/XX/23. I have XXXX days to pay a minimum payment on XX/XX/23. When I asked to bring a decision-maker to the call, she stated that " there is no one above me ''. That means that the entire shift of Citibank reps was without a decision-maker to cover consumer issues. The policies of Citibank are designed in favor of a financial institution. Consumers have no way to allocate payments as needed in an effort to avoid paying interest. The policy now is designed in a way that if consumers want to pay down their XXXX special promotional balances throughout XXXX months each month, they have to pay a monthly minimum first and only then the remaining will be allocated toward promotional balanced. There is no flexibility given to consumers. Unethical and deceptive practices by Citibank.

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 2018-10-30
Company: SYNCHRONY FINANCIAL
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The original balance on this account ( Walmart ) when I was laid off from my job was {$4400.00}. I have paid this amount plus any additional interest and late fees once I went back to work. The account went into collections in XX/XX/XXXX with XXXX XXXXt which then became Synchrony Financial. I continued to pay on  the account ; however I never received an actual statement from Synchrony listing payments received, interest, etc., I only received an email telling me the payment was due and the balance. The last 'statement ' I received from Synchrony was on XX/XX/XXXX and the balance was {$770.00}. I could not find a way to contact anyone to pay the balance in full ( no valid phone number, address, email address on the emailed " statement '' ) eventually a representative called me when the payment was late. I arrange a phone payment with the representative for {$360.00}, the representative agreed to remove the late fees and I promised to pay the remaining {$360.00} in XX/XX/XXXX which I did. Synchrony then sold the account with a balance of {$640.00} to XXXX XXXX XXXX. When they called me, I told them that the account was paid and a mistake was made but they insisted it was valid. I looked the company up online thinking that this was some kind of a scam, here is a link to what I found XXXX  : XXXXXXXX  They continued to call me for the money, I believed it was a scam. I sent a letter to them in writing and via email that they were not to call me at work or on my cell phone but they continued to call. I ignored their letters and phone calls ( I did log them ) and now I am getting a letter from an attorneys office, XXXX XXXX XXXX threatening a judgement against me. XXXX XXXX XXXX also reported the debt to the credit bureaus, lowing my credit score that I worked really hard to bring back up and I am now being denied financing that I need for a new roof on my home! I have sent them a letter ( via regular and certified mail ) with the last statement, a copy of the funds sent from my bank, a phone log of all the harassing phone calls, a request that they acknowledge payment was made in full and that they correct the payment history information provided to the credit bureau.

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 2023-09-21
Company: Experian Information Solutions Inc.
State: VA
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:
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 ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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