BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-18
Company: AFNI INC.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
AFNI collections put collection on my credit reports without my knowledge and in doing so, this violated the FDCPA Collection Practice by placing a collection account on my credit report without sending a letter to me. I request that AFNI verify the following information. 1. Full original Account Number 2. Date original Account was opened 3. Any written agreements between myself and the original creditor stating this debt is owed 4. Full account summary and itemized calculation of alleged debt 5. Date of the first delinquency 6. Dates and times of any phone calls made and to what number in attempt to contact me concerning the alleged debt before it was reported to an agency, and so proving that these calls were made in the times governed by FDCPA law. If AFNI is unable to provide the above identifying account information, this account must be deleted from all CRAs. AFNI also failed to follow FDCPA by not sending a letter giving the consumer time to dispute or validate the alleged debt within the allowed 30-day time frame that is allowed by law. Their address is XXXX XXXX XXXX XXXX, IL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: Allied Collection Services, Inc. (Nevada)
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
MY DAUGHTER ( XXXX XXXX ) WAS ARRESTED IN XXXX AND A BAIL COMPANY PROMISSED IF I PAID THEM BAIL THAT NIGHT THE A XXXX XXXX COURT SHE HAD AN APPEARANCE SCHEDULED FOR THE NEXT DAY WOULD NOT BE NOTIFIED AS SHE WAS TO RECIEVE AN OFFER TO GET INTO A REHABILITATION PROGRAM SHE WAITED MONTHS FOR AND THEY WOULD PAY FOR IT. 
THE XXXX JAIL RELEASED HER ON BOND AND THE NEXT DAY IN XXXX XXXX NV. THE COURT NOTED HER NEW PENDING CHARGES. BUT AFTER WE BOTH MADE PAYMENTS TO XXXX XXXX, .... COVID HIT AND EVERYTHING SHUT DOWN. XXXX XXXX THEN HAD A DIFFICULT PREGNANT AND LOST XXXX OF XXXX INFANTS AT BIRTH. SHE MOVED AWAY AND I ( XXXX XXXX HAD A XXXX XXXX AND LOST INCOME AND WAS UNABLE TO HAVE ACCESS TO ANYTHING DURING XXXX I MOVED ) WHEN SUDDENLY A FEW DAYS BEFORE XXXX I GOT A CALL THAT WAS SHOWN AS SPAM. BUT I ANSWERED AND THEY SAID IT WAS A COLLECTION.. I ASKED WHOM AND THEY SAID A BAIL COMPANY DEBT FOR {$5200.00}. I ASKED THEM TO SEND INFORMATION. THEY SAID THE DEBT WAS GOING UP DAILY FOR INTEREST AND THEY WOULD CALL BACK IN 30 DAYS ... THEY NEVER GAVE ANY VERIFICATION OF THE DEBT AND NEVER CALLED OR GAVE FURTHER NOTICE OR AN ACCOUNT NUMBER OR ADDRESS ... THEN IN XXXX I HAD RECIEVED A CALL AND STATED I HAD XXXX  AND PLEASE CONFIRM INFORMATION THAT WE XXXX ATTEMPT TO HANDLE THE DEBT. HE HUNG UP WHILE ON HOLD. I HAD NO CONTACT PERSON OR ADDRESS OR ANYTING... ..I WENT TO THE BOND COMPANY AND THEY HAD NO MORE RECORDS AND I PROVIDED A MONEY ORDER IN XXXX AND XXXX AND THEY CALLED ME TO TELL ME ALL RECORDS WERE GONE. I FINALLY GOT A NOTICE FROM MY CREDIT WATCH TELLING ME A DEBT IS OWED AND AMOUNT SEEMS TO VARY AND FINALLY A PHONE NUMBER... PLEASE HELP

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 2020-06-18
Company: EQUIFAX, INC.
State: VA
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 filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. 

Initial dispute sent XX/XX/2020 30 Day demand to comply sent XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. 

Initial dispute sent XX/XX/2020 30 Day demand to comply sent XX/XX/2020

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 2018-05-08
Company: The CBE Group, Inc.
State: UT
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have been called multiple times by two different collection agencies in Utah. One is called XXXX   XXXX and one is called the CBE Group. The CBE Group has been abusive and has refused to stop contacting me despite the fact that I have told them multiple times that I have never received any notice from them in writing. They have told me that because they sent it, it doesn't matter if I received it. The two collection agencies are trying to collect on the same debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: GOLDMAN SACHS BANK USA
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I had a charge on my credit card at Goldman Sachs for XXXX on my Apple Card, I have disputed this TWICE with Goldman Sachs they keep asking me for verifying documents but like I have told them XXXX times I didn't charge this I have never been to this establishment. Then this week I got a email that said they sided with the merchant so now I have a charge for XXXX that I have to pay even though I never used my card at that merchant. In reference to the card user agreement I can not be charged for fraudulent services.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18
Company: AFNI INC.
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was contacted by XXXX XXXX XXXX XX/XX/XXXX and again on XX/XX/XXXX about a {$1200.00} debt from XXXX. Someone fraudulently opened an account with XXXX with my name and address in XX/XX/XXXX and signed up for paperless billing so I never received a bill or any other communications directly from XXXX. XXXX placed a collections notice on my credit report and I contacted them told them the debt was fraudulent as was told to supply a police report about the incident and to send in a form. I submitted the police report and form and shortly there after the collections notice was removed from my credit report. 

On XX/XX/XXXX I was contacted by AFNI Collections about the same {$1200.00} fraudulent XXXX account. It appears the XXXX resold my debt after they received proof that it was fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11
Company: BARCLAYS BANK DELAWARE
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX Social Security # XXXX DOB : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Texas XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX XXXX NON-FCRA OPT-OUT TAKEN - HARD INQUIRIES DISPUTES : I have opted out of my public information with XXXX, and I believe that requesting the deletion of any inquiry based on any legitimate connection to a public record vendor such as XXXX is within my rights under the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Transactions Act ( FACTA ) and the Fair Debt Collection Practices Act ( FDCPA ). In review of the numerous hard copy disputes on my credit report, I am requesting only the proper protocol to be adhered to in order to maintain the legitimacy of the hard inquiry, that includes an actual name of the person involved with any company that pulled a hard review of my credit history, but in addition a copy of the actual report ascertained from such a review. If these items can not be produced, then by deductive reasoning the hard inquiry is bot 100 % legitimate. Accordingly, under review of 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ), I request the deletion of the following lists of hard inquiries as follows : I demand my rights be protected based on the 2020 Edition of the Privacy Act published by the U.S. Department of Justice.

LISTINGS OF ALL HARD INQUIRIES I DISPUTE AS DAMAGING TO MY CREDIT PORTFOLIO PLEASE DELETE THE FOLLOWING UNAUTHORIZED INQUIRIES : BRCLYSBANKDE XXXXXXXX XXXX XXXX XXXXXXXX, DE XXXX XX/XX/XXXX ; XX/XX/XXXX IMMEDIATE ACTION REQUIRED : PLEASE INSERT A BLOCK ON MY FILE FROM ALL FUTURE PROMOTIONAL REVIEWS THE FOLLOWING ATTACHED REVIEWS OF MY CREDIT IS A DISASTER AND I WOULD HAVE NEVER HAVE AUTHORIZE SO MANY REVIEWS. I HAVE DELETED ALL APPLICATIONS SUCH AS XXXX XXXX  AND XXXX XXXXXXXX. PLEASE DELETE ALL OF THE ATTACHED CREDIT REVIEWS AS THEY WOULD HAVE NEVER BEEN AUTHORIZED. PLEASSE BLOCK MY CREDIT REPORT INFORMATION FROM ALL UNAUTHORIZED INQUIRIES FROM THIS POINT FORWARD : This letter is addressed to the subscriber furnishing the information on my credit reports, and if this letter is addressed to any credit reporting agency, then it is considered a ghost letter mirroring the actual request for documentation of a credit trade line I may have issues with. It is my understanding that each credit reporting agency has an obligation to maintain accuracy within the banking/credit community, and I will fulfill my obligations to work within the credit system as it was designated.

Thank you for your full consideration in this matter. 


Sincerely, 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 2023-09-25
Company: Experian Information Solutions Inc.
State: AK
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am XXXX  % XXXX  and XXXX  veteran whose student loans were discharged but company is still refusing to cooperate and TOTALLY REMOVE ALL aspects of negative impact of my student loan I need immediate action and relief to take place concerning this by all credit bureaus they are failing to help me with company still negatively reporting loans even they should not even be listed. showing a charge off does not delete it of my credit report. one thing about college i did lean is DELETE means Delete!. still showing fragments of the debt is still taking action against me and after trying to resolve issue i wonder if there are other structural and institutional efforts at work to continuously suppress and negatively impact my score. enough is enough please have them delete items off my report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13
Company: Experian Information Solutions 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:
XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX, Experian, XXXX To all three credit agencies Please accept this letter as a written request to perform an internal dispute along as an affidavit with the following account information of fraudulent items appearing on my credit report. To prevent any confusion, i have listed the items and the account numbers below. 
Account # 1. XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX 4.  XXXX XXXX XXXX 5. 
INQUIRIES : attachment of pictures on the fraudulent inquiries as well. 
Explanation. I am requesting that the following account be removed immediately from my credit report. Im seeking further legal advise in addition to working with police investigators to locate the individual or individuals who is responsible for fraudulently establishing this account without my permission or authorization. Ive tried to work with your credit reporting agency as well as the credit grantor to have this account removed from my credit report. If i am unsuccessful with this attempt i will be forced to file a suit in federal court naming your credit reporting agency, the above creditor, collection agencies, and the acceptor of this letter as defendant. It is my understanding that per The Fair Credit Reporting Act this requesting must be given attention and completed in 72 hrs of your receipt, thank you for your prompt attention to this matter. 

Sincerely XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
Student loans are being reported 6 times, as charged off accounts 3 of them for XXXX 3 of them for XXXX. Totaling over 15,000.00 in charged off accounts that should not be appearing on my credit. I have tried for years between the XXXX XXXX XXXX, and XXXX to get this fixed, to no avail. Please help get this fixed I am desperate!

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 2023-02-23
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: Information belongs to someone else

Complaint:
This is my Follow up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  CA XXXX XXXXXXXX XXXX XXXX XXXX XXXX  CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CA XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$620.00} XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX 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 2020-06-18
Company: CIG FINANCIAL LLC
State: CO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Filed a dispute against the negitive mark on my credit report by CIG Financial. After the investigation, CIG raised my balance owed by {$1.00}, thus lowering my credit score by roughly 85 points.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27
Company: Experian Information Solutions Inc.
State: AZ
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 sent a certified letter on XX/XX/2019 disputing inquiries on my Experian credit report. It has been 3 weeks and still no dispute has been opened regarding the enquiries in 11 days it will have been 30 days since certified letter was mailed.

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 2021-09-06
Company: Santander Consumer USA Holdings Inc.
State: FL
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:
Vehicle Loan with Santander Consumer was removed from credit report on XX/XX/XXXX after being repossessed and sold. The company had a lawsuit in which my loan qualified for removal in Florida for high interest rates above 26percent. After removal in XXXX of XXXX the loan reappeared on my credit report as a charge off and owing {$9200.00}. I have attempted to communicate with Santander on XX/XX/XXXX and XX/XX/XXXX about the lawsuit and about a payoff which was offered of XXXX dollars. The companies representative advised that the payoff was no longer an option and I would have to pay the entire XXXX in which the loan balance for the account is only XXXX XXXX, the representative advised that after repossession they have added additional interest fees and charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
These fraudulent items should be DELETED from appearing on my credit report pursuant to SECTION 605B OF THE FAIR CREDIT REPORTING ACT. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to BLOCK or REMOVE any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy... 

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 explanation
Consumer complaint received 2020-06-18
Company: Bread Financial Holdings, Inc.
State: MA
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 was shocked when I reviewed my credit report and found late payment on XXXX & XX/XX/2019. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-06
Company: Experian Information Solutions Inc.
State: FL
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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXXXXXX 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 explanation
Consumer complaint received 2022-03-14
Company: EQUIFAX, 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:
I have been a victim of identity theft where someone hacked into my network and stole my personal information and opened up some account in my name, which are fraudulent. I have filed a police report and have disputed the information with XXXX, Equifax, and XXXX, but they have not removed the fraudulent account from the credit report as of yet. Please remove immediately because it is affecting my credit rating. Thanks a lot. The accounts which are fraudulent includes : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/2018, and XXXX XXXX- Date Opened : XX/XX/XXXX

Company response to consumer: Closed with explanation