BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-30
Company: Suburban Credit Corporation
State: DC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
A complaint was submitted to the Consumer Financial Protection Bureau ( CFPB ) regarding the methods and practices from Suburban Credit Corporation used to obtain a debt, from I, ( a living breathing being, operating in good faith, clean hands and not to avoid any actions against me ), which are unlawful and infringe upon my rights as a living being. The complaint was submitted to the CFPB on XX/XX/2021 and wrongfully closed. 

Suburban Credit Corporation mistakenly chose to deal with the legal instrument that was signed, sealed and delivered via certified mail as a cease and desist letter. The instrument contained specific instructions and an invoice to cure this matter. 

The fact that I have never engaged in business with Suburban Credit Corporation, but Suburban Credit Corporation brought it upon themselves to design a form sent by way of postal mail and created an account with personal identifiable information and initiated, initial communication, essentially displays the date identity theft/fraud took place. 

Suburban Credit Corporation designed a form knowing that such form would be used to create the false belief that participation in the collection of or an attempt to collect a debt allegedly owed. Suburban Credit Corporation intended to use personal identifying information, without my direct permission, to gain financial advantages, obtain credit and other benefits, and perhaps to cause adverse consequences. 

This matter is a direct violation to the local and federal rules and regulations to which Suburban Credit Corporation state they are 100 % compliant with. 

Local and federal rules and regulations include identity theft/fraud and all who attempts or conspires to commit any offense and the treatment of the unlawful actions of designing, compiling and furnishing of any deceptive forms. 

This matter should not be dismissed as a minuscule matter. 

Under the rules and regulations that govern Suburban Credit Corporation, there are far more consequential repercussions for identity theft/fraud than the instructions that were given in the instrument. 

[ You should not steal, nor deal falsely, nor lie to one another. - XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: Harris & Harris, Ltd.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted the debt collector, Harris & Harris , Ltd., three ( 3 ) different times via their online portal as they ask you do to and verify the debt. They have failed to respond. I have emailed them asking them for information on my debt and, again, they failed to respond. I have no way of contacting them and they fail to respond to any messages I send. I also attempt to reach them via phone and they do not respond so I am unable to connect with anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is 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 non-monetary relief
Consumer complaint received 2022-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 XXXX XXXX This account should be reporting as " CLOSED, PAID AS AGREED ''. There was an UNAUTHORIZED charge made to this account in XX/XX/XXXX for the amount of {$130.00} by XXXX XXXX XXXX. XXXX XXXX XXXX was not authorized to process any payments on my behalf. I cancelled insurance with them in XXXX and have have no business with then since XXXX. See cancellation information. ALL derogatory information needs to be removed from my credit file immediately. XXXX responded that a correction was warranted on XX/XX/XXXX but have yet to update my credit file. It has been over 30 days. See letter from XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-31
Company: Credit Service International Corp
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XXXX  XXXX alerted me via email that an a change occurred to my credit report. When I checked, I saw a collections agency on my account and they filed a derogatory remark on my account saying I was delinquent. This company was Credit Services Intl. I contacted them today via phone to discuss this issue. They started it is due to an unpaid bill from XXXX XXXX XXXX XXXX. I informed the representative that I never received a bill from XXXX XXXX nor have I received a notice from Credit Services Intl. How can I pay a debt I wasn't notified of? Then I contacted XXXX XXXX via email and they said that there's nothing they can do as they didn't started the collection agency process ; the physicians group did. I tried to contact the XXXX XXXX XXXX XXXX physician group about the collections and my missing bill ; I can not get anyone on the phone. No one is giving me a straight answer and now my XXXX score had dropped XXXX points due to other people not communicating efficiently.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 Everything has to be 100 % accurate on my credit report The Credit Bureaus stated my account was properly investigated but how is this possible if the payment history is inaccurate, last activity is inaccurate on accountXXXX  : XXXX XXXX. Also on account XXXX : XXXX XXXX the last activity is inaccurate and remarks is inaccurate and months reviewed is inaccurate and payment history is inaccurate. This is grounds for removal they also violated my rights under 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 an account without my written instructions 15 U.S.C 1681e - Compliance procedures ( b ) Accuracy of Report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

According to the FCRA the term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

That stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are not still reporting 100 % accurate. And according to the FCRA 15 USC 1681 everything has to be 100 % accurate. I have the credit report showing the inaccuracies. 
Account Number XXXX XXXX XXXX XXXX and Account Number 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 2023-05-04
Company: Advance America, Cash Advance Centers, 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 is a payday loan from XXXX it should not be showing on my credit report at all, as I was not informed before that this would be reported. If it is legal it should be reported with the correct dates and not XXXX of XXXX, with no payments. Its ridiculous that I have to keep disputing this information which is absolutely wrong and that anybody can report whatever they like on your credit report with properly disclosing this prior to reporting it. I have had no dealings with this company for years and certainly not last year!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-04
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Inhave accounts on my credit that i never created. Is this legal? I never applied or obtained any credit XXXX XXXX XXXX Reported : XXXX XXXX, XXXX XXXX  XXXX XXXX Reported : XXXX XXXX, XXXX {$0.00} Closed Hide closed ( 1 ) STUDENT LOANS XXXX XXXX Reported : XXXX XXXX, XXXX {$22000.00} Needs Attention XXXX XXXX Reported : XXXX XXXX, XXXX {$250.00} Needs Attention XXXX XXXX Reported : XXXX XXXX, XXXX {$300.00} Needs Attention XXXX XXXX XXXX Reported : XXXX XXXX, XXXX {$590.00} Needs Attention XXXX  Reported : XXXX XXXX, XXXX XXXX  Inquiry : XXXX XXXX, XXXX Bank ( XXXX ) XXXX XXXX  XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX  XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX  XXXX XXXX XXXX   Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX  XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX   Inquiry : XXXX XXXX, XXXX Bank ( XXXX ) XXXX XXXX/XXXX XXXX  XXXX XXXX Inquiry : XXXX XXXX, XXXX Automotive ( XXXX ) XXXX XXXX/XXXX   XXXX Inquiry : XXXX. XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX Finance/Personal ( 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 2023-05-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2023 i call CAPITAL ONE customer service to report 6 transactions unauthorized on my account. Because I lost my hand bag on XX/XX/2023 including my phone and my debit card of CAPITAL ONE. 
I lost {$720.00} in my debit card. 
After that day, I can't login to access my account anymore, CAPITAL ONE still keep the same phone number to login ... .so at that way theft can access to my account easy than steal money from my account again and again..until. XX/XX/2023, I try so hard to talk to customer service to report I CAN NOT ACCESS TO MY ACCOUNT.. THEFT have alot of time access to my account steal my money. 
I lost {$720.00} in my checking account, even though i provides all documents proof this is FRAUD TRANSACTIONS because fraud happened at XXXX XXXX ( I never have relationships with that bank ) I provides identity theft reports to FEDERAL TRADE COMMISSION including POLICE REPORT. 
In the law, I under protection i not be responsible for charges i did not authorized. CFPB please help me to resolve this issue with CAPITAL ONE. BECAUSE, I CAN'T RESPONSIBLE for charges I didn't make!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: Experian Information Solutions 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:
Account Number : XXXX Collection Company : XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXXXXXX I am writing to report a HIPAA violation that occurred on XXXX XXXX. I recently received a call from a debt collection agency, Name XXXX XXXX XXXX, which I believe was in violation of the HIPAA Privacy Rule. The debt collector called me on behalf of XXXX XXXX XXXXXXXX and left a voicemail stating that I had an outstanding debt. They provided my full name, D.O.B and address, and asked me to call them back to discuss the debt. This is a clear violation of the HIPAA Privacy Rule, which states that covered entities must protect all individually identifiable health information from unauthorized disclosure. I have already reported the violation to my health insurer and the Department of Health and Human Services. I would like to request that the appropriate steps to ensure that their practices comply with the HIPAA Privacy Rule. I also looked up the hospital that they claim I went to and the hospital has been permanently closed so that's probably means that they fail for bankruptcies do to all of there locations to be closed

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 2023-09-21
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am writing about this case that I have been trying to get a resolution for a while now regarding the XXXX XXXX ( XXXX ) account that is reporting an inaccurate Date of First Delinquency ( DOFD ) on my Experian credit report. It is within my consumer right, per FCRA law, that my report is accurate. 

The DOFD I got in a letter from XXXX is XX/XX/XXXX, but Experian is reporting the DOFD as XX/XX/XXXX. This change clearly has an impact on when this account needs to fall off. 

I have disputed this account numerous times to give XXXX and Experian a chance to correct this mistake, but that has not happened. I disputed this inaccuracy on XX/XX/XXXX with proof from the XXXX letter showing the correct DOFD and Experian just sent me dispute results that the account came back UPDATED. 

Experian did not clearly verify this info from the data furnisher ( XXXX  ) because if they did, per law, they would have found the inaccuracy in the DOFD. 

Experian and XXXX are violating my FCRA rights. 

This account continues to adversely affect 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 2023-07-11
Company: Genesis FS Card Services, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
See attached letter to Genesis, dated XX/XX/2023. A letter was received from Genesis on XX/XX/2023. However, the Genesis letter was dated XX/XX/2023 ( two weeks before my letter to Genesis ) and it referenced actions and changes, but failed to specify what those actions and changes were. Hence, the Genesis letter was unresponsive, unsatisfactory, and not in accordance with the telephonic conditions that Genesis agreed to on XX/XX/2023 and XX/XX/2023 respectively. I have not received any communications from Genesis in response to my letter dated XX/XX/2023. I provided a copy of my letter ( dated XX/XX/2023 ) to the XXXX XXXX XXXX XXXX XXXXXXXX of the Attorney General. The XXXX XXXX XXXX XXXX XXXXXXXX of the Attorney General sent me a letter on XX/XX/2023, which stated it would forward a copy of my complaint to Genesis and request a statement of Genesis ' " position and possible adjustment. '' I haven't received any subsequent correspondence from any party. When updating my FTC Identity Theft Report on XX/XX/2023, it prompted me to file a complaint with the CFPB ( since my letter to Genesis did not solve the problem ). Hence, this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
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:
I have been asking you to remove these unknown accounts from my report, I am additional proof that I didn't open these accounts. I was told by a legal expert that they may be caused by the XXXX XXXX breach, so please remove them already.

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 2022-11-08
Company: U.S. BANCORP
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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX U.S Bank  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 602 A 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1666B : A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purposes.

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 2023-09-15
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

XXXX5 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-31
Company: Chime Financial Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Im a victim of rental scam and I lost {$1000.00} this happened in XX/XX/ I called my online bank and let them know they made a dispute said it would take about 45 days and like 2 or 3 days they denied my dispute did not get my money back at all

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: CREDIT ACCEPTANCE CORPORATION
State: IN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
2018. I was a co signer on the car.i did not know this would come back on me.i called after he left my home with the car I called credit acceptance to explain but they had attitude. I asked to locate the and bring it to me I'll will pay XXXX a month.they said no I need to start paying now.this is not my fault seems he is putting this on me.i have been paying on my credit trying to fix it.i never had the car nor drove it.please help me remove.i am now trying to get a car but I can't because of this is hurting my score this is an ex I learned my lesson but he can't do this.i can't work intile I get a car.im a single mother and I'm starting to believe he never cared what damage this has done.please I'm doing everything I can but that alot.i have been trying to fight this on my own I know longer can I need help again this is not my fault I can not believe this is on me and not him.please please no I will not give up cause if u look I'm determined to get a car so I can work I have kids and we don't do anything because of this.please I don't deserve this at all that's alot of money..never will I do it again nor have a co signer for my self ever.ill take my chances on my credit. Thank you

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