BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-25
Company: Experian Information Solutions Inc.
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:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: U.S. BANCORP
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
This Bank illegally froze my account that pulled my credit report approved me for an XXXX CC I have no fraud alert spent three times on phone validing into to activate my card .. Now asking for Documents ( Copy of ID Etc ) that's fully illegal in it self as banks by federal law are not entitled with individuals documents with along all these data breaches etc.. 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 2023-04-27
Company: CITIBANK, N.A.
State: NY
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 was never late on the paid off account listed above. Please show me documentation showing proof of transaction showing I was ever late to support your inaccurate reporting on my account. If you can not supply this please delete this alleged late payment from my credit report. The FCRA allows 30 days for this to be rectified.

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 2023-02-22
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
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 I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I'm pleased to see several improvements made to my report, including the deletion of some accounts I had previously disputed. However, there are still a few accounts on my report that are false and the result of identity theft. I request your assistance in getting rid of the last few items on my report. According to FCRA section 605b, the credit bureaus are obliged to remove or block any accounts that have been listed in an identity theft report. I've included a few papers to help prevent fraudulent information from being submitted in my report. 
XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-08
Company: EQUIFAX, 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:
not mine : FCRA violations XXXX XXXX can see it : XXXX XXXX This request can not be processed online. XXXX maintains all of the name variations reported to us by your creditors so that you have a complete record of what has been reported. For your protection, names are typically not disputable online. Please contact us for more information at XXXX. 
XX/XX/2004 Name ID Number XXXX Report Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX # XXXX XXXX, TX XXXX SINGLE FAMILY

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-22
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We have a complaint against Nationstar Mortgage. There was no willingness to work things out for us, in order to help us! We have tried so many times to modify with them, so we could keep our home, which we love, and have taken such good care of for over 18 years! They instead raised the price of our mortgage, instead of reducing it! They Never had intentions to help us homeowners! We know other banks who have helped other homeowners to modify and keep their homes, Nationstar is not one of those, they are not interested in helping others!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: Aargon Agency, Inc.
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
AARGON COLLECTION AGENCY REP CALLED AND TOLD ME IF I DIDNT START MAKING A PAYMENT PLAN ON {$36.00} MEDICAL DEBT THAT I WAS NOT AWARE OF AND HAVE DISPUTED I COULD BE ARRESTED AND SUED AND MADE TO PAY BY BOTH FINES AND IN IN PRISONED ALSO I DID SOME DIGGING THEY HAVE ME OWING MEDICAL DEBTS FROM OVER 15 YEARS AGO THAT SHOULD HAVE BEEN DELETED BUT THEY KEEP BUYING DEBTS AND CLAMING THER NEW WHEN THEY ARE WELL OVER 15 YRARS OLD AND SHOULD HAVE BEEN DELETED AFTER 7 YEARS

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 2023-05-25
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: Credit inquiries on your report that you don't recognize

Complaint:
I had obtained a copy of my credit report through a third party and noticed that there were several inquires on my credit report that were unauthorized please investigate and delete. 

XXXX XXXX XX/XX/2XXXX 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 XXXXXX/XX/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 2019-07-30
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Didn't receive services that were advertised

Complaint:
I received an IRS notice CP01E, informing me that my SSN had been used by someone to " obtain employment. '' I had put a freeze on all three credit-reporting-agency accounts and wanted to get a credit report from each agency to ascertain that the freezes were in place. I had no problem getting online versions that I printed from Experian and XXXX. However, XXXX  ' website informed me that my credit report was not available online and that in order to receive a hard copy, I had to fill out and submit its form. The very personal information the form seeks includes copies of my Social Security card, pay stub with SSN and W2 Form. In addition, I am to provide my driver 's license, rental or lease agreement/house deed, pay stub with address, utility bill ( gas, electric, water, cable, residential telephone bills ).

In light of my already compromised SSN, I am not about to send the requested information through the mail. This is a new, unwarranted burden that Experian places on consumers. I obtained last year 's report on line from all three agencies. Please help me and others to get the annual free Experian credit report on line. 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
Consumer complaint received 2022-02-03
Company: ENCORE CAPITAL GROUP INC.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a collection notice from Midland Credit Management informing me of a debt in the amount of {$14000.00} for a XXXX account. I have disputed this charge as the provider and address for services was in Florida. I have never resided, or had services provided by anyone in the state of Florida. The result of disputing this charge I was informed that they believe the information is accurate. I was then advised to file a police report, which I have. XXXX County Sheriff 's Office Report XXXX XXXX. 
I continue to dispute the charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17
Company: TekCollect Inc.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have XXXX XXXX in XXXX NJ XXXX XXXX XXXX XXXX ) I went for my early check up. 
My doctor informed me that I have to make surgery and I have to come back for more checking. I have to pay my co-pay and set up my new appointment. 
I came back to the office and there is a doctor who checked my eyes again and I found he told me different than the first one. at the end of the visit I asked the front desk do I have to pay anything, She said No. 
I went to different XXXX XXXX she told me I do not need surgery just change the lances. 
Later on- I got mail from different facility that I have to pay a bill. I called them and I told them that I never been to your office. She told me the doctor i saw last time in XXXX office is theirs doctor. I told them No body told me I am going to see different doctor from different office and I have insurance through XXXX XXXX. If I am going to see different t doctor from different office I have to check first if my insurance will cover it now they sending me a bell with interest.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-24
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:
Credit bureaus use that E Oscar application.. which in reality they're not really validating anything they're not doing anything at all I recently submitted very regular disputes for account updates they came back as not updated when I in fact had my online accounts open and current one company even went back as far as XXXX never bothering to update anything for XXXX I've provided proof and photo shots of my accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: EdFinancial Services
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or missing disclosures

Complaint:
I had XXXX XXXX and I don't function as planned if most days at all I have a total amount of almost {$27000.00} dollars for college debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: Experian Information Solutions Inc.
State: KY
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 explained to the credit bureau that this information included in this identity theft report does not belong to me and I did not go to any company requesting credit or an account with these companies. The credit bureau told me to call the company that the inquires are listed for I did and they send me back to the bureaus. All of this information is making my report look bad and even worst part is I didn't do this. Please delete this information. I have tried to call and ask someone to looking into this but they all read the same script that this can't be removed, but how is that when the bureau is only supposed to report only correct information. Please delete these inquires.

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 2019-07-30
Company: International Computer Systems, Inc.
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
COLLECTOR IS COLLECTING A DEBT DISCHARGDED IN XXXX  XXXX, CEASE AND DESIST COLLECTIONS AND CEASE COMMUNICATIONS

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 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 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  has violated my rights. 

15 USC 1681 Section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish an 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 non-monetary relief
Consumer complaint received 2023-06-20
Company: Resurgent Capital Services L.P.
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I am contacting you to request the deletion and removal of the accounts and associated information from my consumer report. The accounts and information mentioned below should not be included in my consumer report. This inclusion violates the FDCPA and FCRA, and it is imperative that these accounts and information be promptly deleted and removed from my consumer report to comply with the relevant laws. I kindly request an immediate removal of these accounts and information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: EQUIFAX, INC.
State: FL
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:
Over the past couple of years i have sent multiple certified notarized request to provide the original consumer contract from multiple accounts. I never received the original consumer contract.. Account remain on my file and my requests have gone ignored with just reponses of " verified '' yet NO orginal consumer contract provided.. this is exhausting how can you put a file on someone report but DO NOT provide the original Instrument??

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 mailed certified mail to all three credit bureaus on XX/XX/2023. While reviewing my credit report in order to purchase a home, I realized inaccurate and inconsistent information on all 3 reports. This is impairing the banking system efficiency. I requested the three credit bureaus to investigate properly and remove anything that is not accurate. All three credit bureaus are reporting totally different information for each account in question. That states to me that none of this information is correct. They came back verified and updated within 1 week. How did they verify all information within such a short period of time? I did not consent to E-oscar method of verification. I hand written my letters because I did not consent to machine I consent to a person reviewing my request. I am a citizen of the USA reviewing my credit myselfIt it is frustrating I have to write to the CFPB for a proper job to be done. 
XXXX especially had increased my score XXXX points on XX/XX/2023 and decreased it again XXXX points due to what reason I am not sure because they didn't state. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have inquires I have no knowledge of so my privacy is being violated. 
Across all three credit bureaus these accounts are inconsistent with the reports and inaccurate as well. There are different dates of opening, different amounts and different names and addresses. Across all three credit bureaus my score is not even close to each other so, that means they are reporting incorrect. And the matter of fact I didnt consent to any furnishing of my credit report.

15 U.S. Code 1681 section all information should be accurately reported In accordance to the Fair Credit Reporting Act 15 U.S. Code 1681 section 602 A I have the right to privacy 15 U.S. Code 1681 section 604 A section 2 A consumer reporting agency can not furnish my account without my written instructions.

I am looking into going to an attorney to assist with these discrepancies from the bureaus but I trust CFPB will do its job thoroughly.

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 2022-02-03
Company: CITIZENS FINANCIAL GROUP, INC.
State: RI
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/XXXX a fraudulent charge appeared for {$400.00} on my checking account. I immediately called Citizens Bank to inform them. They told me I would receive a temp refund and an investigation would take place. I asked if I should change my debit card number and was told " wait for the investigation results... they will call you ''. on XX/XX/XXXX, I received the refund and a couple days later received a letter asking for additional information on a form. I completed that form and mailed back within 2 days of receiving. On XX/XX/XXXX, another fraudulent charge appeared on my account for {$190.00}. I again immediately called Citizens back and filed another fraud case. I then demanded that my debit card be changed. I received a new card a few days later. I never received a call from citizens stating the results of the first case. on XX/XX/XXXX I received a letter from Citizens stating that they had investigated the case and that the first charge was not fraudulent. they stated they were reinstating the debit of {$400.00} to my account. I called citizens and spoke with a customer rep who said she would have the fraud team call me in a couple days. I received a voice mail a week later from Citizens, but the call back number was the main number and they can not connect me with the fraud team. They said they would put in another request to have them call me. To date, I have made about 10 calls and 2 trips to my local branch. I received 1 other call from a rep, but they just listened and said they would have the case examined. I have since received subsequent letter stating that both of my fraud cases were found to no be valid. Currently I am out {$600.00}. There is NO DOUBT that these charges are fraudulent. At the time they were made at a point of Sale device in XXXX TX, I was in Rhode Island and have subsequent charges from the same day attending to my location. Citizens has stated they have tried to call me multiple times, I have no record of these calls and am more than willing to produce my phone records to prove that. Citizens has never provided a rational as to why they feel this is not fraud. In my opinion, this case represents a bank not properly investigating a fraud charge and making the process so difficult that the consumer just ends their pursuit to recover stolen funds. I wonder how many less tech savvy customers have given up on the process, but I assure Citizens, I will not. Citizens Bank has an obligation to protect its customers money. They have failed and are attempting to negate their responsibilities.The two fraud claim numbers assigned by Citizens bank are XXXX and XXXX.

Company response to consumer: Closed with explanation