BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-14
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX  -I WAS NEVER LATE ON THIS ACCOUNT AND ITS REPORTING INACCURATE THE COMPANY IS REPORTING 3X LATE THE BUREAU IS REPORTING 30 DAYS LATE.PLEASE REFERENCE FILE # XXXX IS REPORTING CURRENT PAID AS AGREED.ACCORDING TO FCRA THIS IS A VIOLATION.THIS NEEDS TO BE REMOVED.I 'VE CONTACTED XXXX NUMEROUS OF TIMES AND SENT IN AFFADAVITS THEY REFUSE TO INVESTIGATE. THEY ALWAYS SAY VERIFIED, ACCURATE BUT NEVER PROVIDE ME PROOF. 
XXXX XXXX XXXX, LVNV FUNDING, XXXX XXXX THESE ACCOUNTS ARE CLOSED ENDED ACCOUNTS IN COLLECTION MEANING THAT THERE SHOULDN'T BE REPORTING OPEN, HAVE NO LIMIT, NO PAST DUE AND NO PAYMENT STATUS VIOLATION THESE THINGS SHOULD BE REMOVED IMMEDIATELY! 
DATE LAST ACTIVE, DATE OF LAST PAYMENT ALL THIS IS INACCURATE AND AFFECTS YOUR CREDIT

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: Experian Information Solutions Inc.
State: CA
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 non-monetary relief
Consumer complaint received 2021-01-14
Company: EQUIFAX, INC.
State: NV
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:
On XX/XX/2020, I contacted the three major bureaus concerning Chapter XXXX Bankruptcy reported on my credit report. The Bureau sent me a letter, stating that they received the information from the United States Bankruptcy Court, District of Nevada, yet I received a letters from the Bankruptcy Court that they did not send any information to the Three Major Bureaus, therefore they are reporting incorrect information ( see attach ) Also they stated that they received the information from XXXX XXXX, yet I contacted XXXX XXXX and was told that my account was frozen ( see attach ). Therefore when I requested proof to the accuracy of the bankruptcy, the bureau could not provide me that information, and it's been well over the allotted 30 days that the bureau has to validate ( no verified ), according to the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and are in violation of several of the General Rights and Obligations of NRS, including NRS 598 C. 130, NRS 598C, 160NRS 598C. 170, NRS 598C 190 and NRS 598C.200.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 Account # 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 Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Problem with customer service

Complaint:
On Wednesday XXXX XXXX XXXX I was attempting to cash a claim check from my insurance company that was written to me and XXXX XXXX XXXX. The check was a Bank of America check so I wanted to cash it there. I initially had the check endorsed and signed over to me by the manager at a XXXX XXXX. The manager at the XXXX XXXX wrote the authorization and signed the back of the check. The first time I attempted to cash it a Bank of America the manager ( XXXX XXXX ) had me wait in the lobby while she was in her office about 30 minutes while she verified the check and what I was told called the backend for instructions. I then went into her office and asked her why is was taking so long she said I had to wait and told me I could not sit on the chair in her offices so I went back into the lobby and waited. After some time she came out and told me that she couldnt cash it because the endorsement from chase should have been done with a stamp and not in writing. So I took the check to a different chase bank and they endorsed and signed it over to me and this time it was done with the stamp. I went back to Bank of America and this time she refused to cash the check because she said it was written out to me and a business even tho it was XXXX XXXX XXXX XXXX XXXX  had signed it over to me. Im not sure if she was discriminating or not but it just seemed like she just didnt want to cash this check at all even though I did everything I was supposed to do. I also let her know I was recording the conversation because I felt she was wrong

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 2023-08-21
Company: Experian Information Solutions Inc.
State: CA
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 carefully reviewed my credit report in XXXX. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2021-01-14
Company: EQUIFAX, INC.
State: NC
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 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16
Company: Experian Information Solutions Inc.
State: CO
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:
Experian alerts me to a change in my score. It was over 800 for quite a long time. Then they arbitrarily lower it, again and again. When I spoke to them about why, they gave conflicting statements. Saying at different times that the same thing has a positive and then later said it has a negative impact on my score.

Today a new report was generated, they lowered my score again ( I am about to close on buying a home ) on the Overview page of the site when I log in, it says reason for change ... whats impacting your score, your credit usage is LOW then when I go to the Score page, under whats hurting your score, credit usage is HIGH says heavy usage of revolving credit. So the site explanations are in conflict with each other. Additionally, I only have 2 credit cards, and currently have a balance of {$320.00} on

one of them. We have no other revolving credit accounts.
I have asked them to articulate how they lower and then re raise and then lower my score sometimes several times in a month when my activity had remained unchanged for a few years. Why would you lower my score 27 points? Then raise the next month 27 points? Then lower it again ... and their website does not nor can they properly explain in my case why they are doing that. Nothing they say makes sense, they only give you the run around and give conflicting explanations all which make no sense.

How is it that they can be allowed to affect your score so dramatically and then offer no sound reason?

Lastly, I tried calling Experian again today, the number on the site often doesnt work, then when it does, you step through all the choices ... and it hangs up. Not professional and not confidence instilling at all.

Very frustrated and sad.

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 2023-07-31
Company: CITIBANK, N.A.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a city checking account due to a targeted bonus they send me. The bonus read like EARN UP TO XXXX AAdvantage  bonus miles after completing all required activities. By XX/XX/2023 I should have completed all required activities to earn the XXXX AAdvantage bonus miles. The offer stated YOUR AAdvantage bonus miles will be credited to your AAdvantage  account within XXXX calendar days from the date you complete all required activities. It has been more than 30 calendar days since the date I completed all required activities. I spoke to a Citi representative through their app on Friday XX/XX/2023 to confirm that I have completed all required activities, which they confirmed. I am wondering where my bonus miles are. The rep said the miles should be credited within the end of the month of XXXX. It is now XX/XX/XXXX and I am without my earned bonus miles.

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 2021-01-14
Company: Source Receivables Management LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My identity has been compromised by somebody that I do not know. Please feel free to give me a call if you have any questions or concerns.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: Experian Information Solutions Inc.
State: PA
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 am XXXX XXXX and I have sent multiple letters regarding unknown accounts in my report. It has been more than 30 days, but I did not receive any response or results. I am thinking that they are not attending to my concerns.

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 2021-01-14
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:
incorrect information reported on my report from XXXX, transunion, 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 2019-07-07
Company: Santander Consumer USA Holdings Inc.
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
OnXX/XX/2018 I sent a postal money order in the amount of {$380.00} for the full satisfaction of the claim related to a retail installment contract. Chrysler Capital accepted my money order yet still demands payments. I have attempted on multiple occasions to resolve my dispute but have only been told to keep paying. I can not call to get in touch with anyone as my account is blocked and they ignore my mailings. I have paid every month out of fear that if I don't they will attempt to repossess my vehicle, take legal action on a non existing and alleged debt, or turn my account over to a collections account in an attempt to harass me. To this date Chrysler Capital owned by Santander Consumer Use , Inc. under the direction of XXXX XXXX continue to demand payments from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
My sister was diagnose with XXXX XXXX XXXX in XX/XX/2013. My signed over power of attorney to me. I contacted Citi Financial Mortgage company and requested a loan modification. They strung me along to 10 months or so. At the end of the process they claimed I fail send a document. I sent proof that the document was sent as requested. By stringing me along they were able to steal almost all of my equity in late fee etc.

We estimate that we lost over $ 40k in being manipulated by Citi Financial. We used our funds and credit to tie up my sister affairs thinking we were going get our equity. Now the same creditor is threatening filing a suit against me. They are the very reason I was not able to pay the credit card off because they manipulated me out of fund in the equity process. This is company is responsible for ruining millions credit rating by extending a certain line of credit only to reduce it later for credit score trapping.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: EQUIFAX, INC.
State: CA
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 reviewed my Consumer Reports and noticed that I had late payments on accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the accounts : XXXX XXXX Balance Owed : {$350000.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance Owed : {$680.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: Experian Information Solutions Inc.
State: GA
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 am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.

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 2021-03-12
Company: Early Warning Services, LLC
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:
EARLY WARNING SYSTEMS CUSTOMER SERVICE WOULD NOT TAKE CAR OF INACCURATE INFORMATION REPORTING FROM XXXX  XXXX XXXX. INACCURATE INFORMATION IS OVER 5 YEARS OLD. IDENTITY THEFT VICTIM POLICE REPORT FILED

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14
Company: World Acceptance Corporation
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My identity has been compromised by somebody that I do not know. Please feel free to give me a call if you have any questions or concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
Company: EQUIFAX, INC.
State: MD
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I am not aware of this debt nor do I believe I owe this debt. I disputed this with the credit bureaus and they refuse to remove this from my credit report, The company failed to provide debt validation for this account.

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 2023-08-21
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XX/XX/2023 ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ] SSN : [ XXXX ] | XXXX : [ XXXX ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX XXXX XXXX Account Number : [ XXXX ] Reason : [ WRONG INFO ON MY ACCOUNT NEED REMOVED. ] YOU ARE REPORTING THIS COLLECTION AS AN OPEN ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION ABOVE IS REMOVED. Thank you for your time and help in this matter. Sincerely, [ XXXXXXXX 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 2022-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
" XXXX Bank '' continues to report inaccurate information to XXXX, TRANSUNION, AND XXXX, unbeknownst to me up until now. I have been a victim of Identity theft. Account # : XXXX - As a result, I have gone forward and filed for Identity Theft, in which I've attached below the copy of the XXXX. I have also complain to the XXXX and the only result I received was " UPDATED '', STILL REMAINS ON CREDIT PROFILE. PLEASE REMOVE IMMEDIATELY. According to 15 U.S Code 1681c-2, a consumer reporting agency shall block the reporting of all information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, NO LATER THAN 4 BUSINESS DAYS AFTER THE RECEIPT. It has been 30 days and XXXX TRANSUNION XXXX are in violation of this law because I am a victim of identity theft!! This account should not be furnished on my consumer report as it is VIOLATION. Under 15 US code 1681b permissible purposes of consumer reports ( a ) IN GENERAL Subject to subjection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the account listed IMMEDIATELY FROM ALL THREE BUREAUS. 

-Must be removed for Identity Theft -Must be removed Past the 7 years statute of limitations -Must be removed for reporting inaccurate information -Already complained to the CPFB -Must be removed for I am seeking Legal Council

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