BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-16
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
The listed allegation of inquiry record is NOT currently proven to be reporting COMPLIANTLY, as Alleged Creditor ( s ) and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry ( ies ) deficient of true Permissible Purpose that REQUIRES immediate and permanent deletion. 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 2023-09-04
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX  of Missouri {$540.00} account was opened fraudulently by an unknown individual at a residence I never lived at.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-07
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
Hello, I am reaching out to complain about my credit card delivery. 
Initially, I applied for and got approved for my credit card in XX/XX/XXXX, but the card was not delivered for unknown reason. After inquiring citi about this problem, a representative had signed my original card to be missing and said that he is sending a new card. This was on XXXX XX/XX/XXXX. He said that the delivary would be made in 4~7 days, but I have not received anything yet. When I reached out to citi via live chat, Citi live chat agent had told me to contact XXXX on phone to solve this problem, but the number prompts me to input SSN or XXXX. I do not have either of those numbers, therefore citi is not providing me with any way to even inquire to a spokesperson about this problem. XXXX is another number given to me, which also asks for credit card number/SSN/phone number. When I try my phone number, the system has problem accessing my information, again not allowing me to contact citicard. This is becoming very frustrating for me, and I seriously want to know why citicard would not send my credit card.

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 2018-09-05
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: Personal information incorrect

Complaint:
On XX/XX/18 while at XXXX, I was told I could save {$50.00} on my purchase by applying for credit car. So I did. A few minutes later, I was told I was declined. I didn't think much about it because I know my credit is good. But yesterday I received a letter from XXXX XXXX, Creditor dated XX/XX/18 that I was denied by Experian because I am " deceased ''. I attempted to call Experian this morning and speak with someone which is impossible. Then I attempted to contact them on-line and they are requesting that I send them numerous documents to prove I'm alive. 
My question is : Why shouldn't Experian be required to provide documents to me proving I am dead?!!

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 2023-04-23
Company: EQUIFAX, INC.
State: CT
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 did get behind on finances due to having XXXX which put me out of work long term then led to my company closing due to Covid. At same time my wife filed for divorce and my whole world came to a crash. 

Now. Back on my feet. I reviewed my credit report. Some items left by my ex. Some did get behind due to no income coming in. 

Now. I am working two jobs and trying to rebuild my life and my credit in order to buy a home. Thankful my storm is over. 

I contacted each and every account on my XXXX credit report. Disputing and then redisputong items. Multiple times and still not being reported correctly. Recently. I paid in settlement XXXX outstanding accounts. All verifiable. And confirmed. Ive reported these payments. Its reviewed. Then I get a motive dispute is complete and its still listed as potentially negative or paid in settlement. But still says. Potentially negative or collection.

Only if you look at small print it

may say paid in settlement. Then remains. Collection or paid in settlement. Its like they update 1 part but not others that show creditors negative. I am back on mr feet and earn XXXX per year. And a secure future ahead but am held back by inaccurate listing on all 3 bureaus. Can you help expedite this process as Im trying everything.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Company: Stuart-Lippman and Associates, Inc
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
My wife received a letter stating she owes {$12000.00} to an XXXX. 
Here is the information : Stuart -Lippman and Associaion XXXX XXXX XXXX XXXX XXXX Az . XXXX XXXX We do not own this bill. 
Improper written disclosed. 
Not a licensed collection agency I own XXXX  XXXX XXXX, XXXX and XXXX XXXX. Licensed collection agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23
Company: Chime Financial Inc
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/17 there was a charge I didnt recognize on my account I proceeded to call the card issuer at which time I was told that if I wanted to proceed with the dispute I would have to get a new card. I in XXXX XXXX explained that I needed to have the car that was in my hand in order to buy my medication and food being that the store at with a shop at does not take digital cards. I adamantly told him several times not to shut my card. They continue to do it after I hung up and I found out in the app but this happened, furthermore I called several times to correct the issue and I was met with nothing but adversity from their customer service and then I find out they sent the wrong. They sent the car to the wrong address and when I tried to correct it and have the card overnighted to me being that I need it for medical conditions to which I need to get my medication, I was told they could not do that. I explain to them several times that I asked for this not to happen and they continue to do it to which time they hung up on me. They do not care about a customer in the least bit. The bank was chime. I still have not had a card sent to me. Even after I told them they sent it to an incorrect address

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31
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 HAVE TRIED TWO TIMES AND NOTHING

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 2021-03-01
Company: Santander Consumer USA Holdings Inc.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Chrysler Capital/Santander locked me into a predatory loan. The dealer falsified my income and approved me for a payment I could not afford. I have had to use deferrals to delay payments when I fell on hard times. Unfortunately, Chrysler Capital still reported my payments as late to the credit bureaus. Their questionable lending and payment and reporting practices have lowered my credit score and are hindering my ability to buy my family a home. The recent lawsuit against Santander, including in my state of Illinois, for these very same practices only covers those who went into default or repo. I, however, will be looking into remedy for those of us who struggled to pay but did. I will also continue to fight Chrysler Capital on the reporting of late payments when I expressed to them a hardship, especially in XXXX in XXXX when I called about COVID relief, but also in XXXX when I asked about a deferral and other options. If Chrysler Capital does not remove these late payments, I will proceed with the next best options. It is time they are no longer allowed to contribute to the generational wealth gap and systemic inequities.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: CREDIT ACCEPTANCE CORPORATION
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I was told by credit acceptance that my auto loan didn't report on my credit due to a dispute they received from XXXX on XX/XX/2022 in allegations of fraud which has not been proven legally be either parties and by law credit acceptance is legally required to report my paid in full auto loan on my report

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 2023-04-23
Company: SANTANDER HOLDINGS USA, 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:
I'm am filing a complaint with the credit bureaus about accounts that are fraud and I have already reported this sent in letters and police reports under the 15 U.S.C 1681 15 U.S. Code 6802 still haven't been removed other than the accounts becoming verified They had 5 business days to remove the account Santandar Consumer And never did so which is a violation of my consumer rights Ive mailed notarized, and FTC report letters and the account is still on my reports.XXXX has removed the Santander account XXXX and XXXX has not and they couldn't possibly be reporting accurately if one of the three bureaus removed the " inaccurate '' information that is fraud with no method of verification XXXX has not mailed not 1 letter to me about this and XXXX is not even showing information about my credit report or score I asked for method of verification and have yet to receive anything from XXXX or XXXX regarding this account and it has now been 60days which is violating my consumer rights im trying to purchase a house and new vehicle and this is holding my report back and also defamation of character

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I called the 3 credit Bureaus after I purchased a credit report in XXXX. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there was items on my credit report hich are misleading to me. I believe they have failed to authenticate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that the items will remove in my credit file as soon as possible. Here are the list of disputed items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Balance Owed : {$13000.00} XXXX XXXXXX/XX/2021

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 2023-10-07
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX did not provide me with a contract, a copy of my license or my social security number to prove this fraudulent account belongs to me. This account is reporting as a NEW CHARGE OFF and it is not accurate

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 2020-03-31
Company: Tribal Lending Enterprise, Inc.
State: MA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
Golden Valley Lending sent me a letter dated XX/XX/2020. I received the letter from Golden Valley Lending on XX/XX/2020. The letter stated that there was an unresolved balance on the account. I called Golden Valley Lending on XX/XX/2020 @ XXXX. And spoke to XXXX a customer service representative at Golden Valley Lending to inform him that I had been the victim of fraud and that my identity had been compromised. He stated the the funds had gone into a XXXX  XXXX XXXX account but couldnt disclose the amount. 
He immediately asked me to send an email to the complaints department. On XX/XX/2020 I was contacted by Golden Valley Lending XXXX XXXX VP of Golden Valley Lending Complience via email at which it was disclosed that the loan was taken out for the amount of XXXX dollars. 
The email had an affidavit attached for me to fill out and notarize. Since my correspondence with Golden Valley Lending I have done the following : 1- Contacted my bank to confirm any fund transfers from Golden Valley Lending. There were none.

2- Contacted XXXX Police to file a report 3- Contacted XXXX XXXX XXXX to see if there was an account opened in my name. There was no account in my name opened.

4- Contacted credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08
Company: ENCORE CAPITAL GROUP INC.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2022 I've sent Midland Credit Management a proof of validation through the cfpb and through mail. XXXX has failed to show and provide me validation of this alleged debt. Stating that they followed FDCPA guidelines and laws. They have directly broken the law under 15 U.S.C 1692G ( 4 ) ,15 U.S.C 1692G ( 5 ) and 15 U.S.C 1692C ( A ) which are XXXX per violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: I.C. System, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
IC System at XXXX XXXX XXXX, XXXX XXXX, MN XXXX has been sending me collection notices in the amount of {$640.00}. The collection has been reported as a past-due balance. I do not know this company. I have never done business with this company. This company does not have a contract with my signature.

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 2020-03-31
Company: FIFTH THIRD FINANCIAL CORPORATION
State: KY
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:
In XX/XX/2018, I incurred a charge on my credit card for {$6.00}, which was initiated by 5th/3rd Bank ( not me ). I never received a formal letter or statement on this charge and was subsequently charged late fees of {$84.00} on this {$6.00} charge. During this same period, my 5th/3rd checking account had a balance of {$60000.00}. As soon as I became aware of the balance due of {$90.00}, I paid that amount immediately. The late pay of the {$6.00} and subsequent late fees charged in successive months show up as separate instances of late payments and these are the only derogatory item on my credit report. I have attempted to have these derogatory items removed from my credit report by contacting the credit reporting company and contacting 5th/3rd bank. the bank will not allow me to dispute these credit reporting items. 

I contend that I was not adequately notified of these charges, as I had the money to pay the original {$6.00} in my checking account ( balance of {$60000.00} ) and could have easily transferred the money to pay this credit card balance. Additionally, the late fees of {$20.00} per month and the reporting of these late fees as separate charges to the credit bureau is inappropriate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I was looking over my credit file and I found out that I have a few fraudulent accounts reporting the I never opened up. My full name and current address are : XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB XXXX SS XXXX XXXX The following SS # is not mine XXXX please delete it! The following addresses are not my I do not live at the following : XXXX XXXX XXXX XXXX, OH XXXX XXXX I am currently XXXX XXXX. XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX I am currently Fully XXXX XXXX Please remove the following employers : Not Provided, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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 never had a record with this authority/leaser. I attempted to get in touch with you a few times and request verification of possession however you neglected to send me the important documentation to demonstrate that I actually own this record.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Experian Credit Bureau has failed to update the status of my account with XXXX. As of my recent Experian credit report pulled on XX/XX/XXXX, the status of the XXXX account is as follows : XXXX XXXX - Account charged off. {$630.00} written off. {$590.00} past due as of XXXX XXXX. 

Comments : Account closed at Consumer 's request and dispute investigation completed, consumer disagrees. 

Clearly, this information is inaccurate because I have paid XXXX a total of {$500.00} and I owe them a balance of {$130.00}. Experian has also decreased my XXXX XXXX by XXXX points and I am trying to repair my credit. 
Next, Experian Credit Bureau has 1 collection account listed on my credit report as XXXX XXXX XXXX with a balance of {$850.00}. They have listed this account as a collections account from XX/XX/XXXX- XX/XX/XXXX. Clearly, this information is wrong and inaccurate. I have been making my payments respectfully. The stipulation of settlement states I that I must pay the sum of {$1200.00}. Payable in monthly payments of {$25.00} barring no interest to XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The balance that I owe is {$610.00} to satisfy this old debt. I want this inaccurate information deleted from my credit report.

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