BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-18
Company: Experian Information Solutions Inc.
State: CA
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:
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 2019-07-14
Company: State Collection Service, Inc.
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/2019 State Collection Service placed a debt on all three credit bureaus. I recently sent State Collection Service a letter asking for validation of the alleged debt amounting to {$340.00}. State Collection Service did not provide any documents or evidence to validate the account, they did not even respond to my letter that I sent them. This company kept this account on my XXXX, XXXX, and XXXX credit reports despite providing any validation of this debt. Again, State Collection Service did not provide any documents or evidence to validate the account and ignored my request for them. Under the Fair Debt Collections Practices Act, I have the right to request validation of the debt, therefore I am requesting that you investigate this matter and delete this account from my XXXX, XXXX, and XXXX credit reports or provide me with PHYSICAL PROOF, such as a signed legal binding contract of the debt. I have attached the letter that I sent to State Collection Service back in XX/XX/XXXX but again never received a response from them. Your immediate response will be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
I revisited my credit file and to my dismay, I still see damaging reports that you failed to either CORRECTED or REMOVED. Under FCRA it is my rights to dispute and take proper legal actions to the any inaccurate and missing information my report. For one LAST time I am asking you guys to perform a logical investigation on these accounts. If you still chooses to ignore this dispute, when there is relevant and new information given as per FCRA my other choice is to have this issue escalated and file a complaints with the attorney general in my state, attorney general in your state, Consumer Financial Protection Bureau, Justice Department. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: In progress
Consumer complaint received 2022-12-26
Company: Experian Information Solutions Inc.
State: SC
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical. Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' ... Please verify and remove the inaccurate accounts below. 

I have already disputed these items in XX/XX/2022, XX/XX/2022, but the Bureaus did not remove them or properly validate. 
XXXX  Account Number : XXXX XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : 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 2023-03-14
Company: ALLY FINANCIAL INC.
State: MT
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
My Ally Bank CD matured on XX/XX/2023 in the amount of {$170000.00}. Ally Bank was notified on many occasions, both oral and written that I will be closing my CD at maturity. The written and oral correspondence to close my CD is immense and started on XX/XX/2023. Instead of closing my CD, Ally Bank renewed my CD. Ally Bank has not corrected this matter, even though the written documentation between us states otherwise. On XX/XX/2023, I asked Ally Bank to have their supervisor with authority call me to resolve this matter immediately, no call to date.

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 2023-11-22
Company: EQUIFAX, INC.
State: NJ
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:
I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-26
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MN
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:
Fifth Third Bank Disputes Department / Regarding reassertion of dispute / Case # XXXX This letter serves as the appeal to Fifth Third Banks decline of my dispute regarding the {$3200.00} charged for XXXX ( XXXX XXXX XXXX XXXX ) doing business as XXXX  XXXX, XXXX  XXXX XXXX XXXX using my credit card ending in # XXXX on XXXX. The reason for the decline, was because my dispute fell outside the window to dispute. 

None of these services were provided, and I did not have a chance to receive them, because the FTC shut them down for defrauding their customers XX/XX/2018. At that time, there was hope that something could have been worked out between XXXX and the FTC. But, in XX/XX/2018, the Judge in the case finalized the shutdown on XX/XX/2018. 

It would have been impossible for me to dispute this charge within the dispute window as for the XXXX XXXX trips and coaching that I purchased, fell past the dispute window afforded to me by Fifth Third. The FTC did not shut them down until XXXX, thus me believing up to that point, that I was going to receive my coachingg. 

Please accept this as my detailed letter describing the services that were expected from the company ( XXXX ) that the FTC without warning, shut down. I purchased XXXX XXXX trips using monies from my Fifth Third Card ending # XXXX Copies of my contracts ( s ) are submitted along with this letter, as proof that XXXX did not provide the services ( XXXX training trips ) that were purchased The three events : 1-3 day/4 night / 1-5 day/6 night / 1-10 day/11 night ; XXXX Training ( Coaching ) Trips The details of the XXXX and Tuition reimbursement, are in the contracts that are with this fax, please note the circled items. Also, faxed is copy of my XXXX   receipt and statement of the charge, as noted Details of FTC actions can be found at : https : XXXX Respectfully Submitted, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11
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:
In XX/XX/2022 i made a {$5.00} charge. The XXXX  credit card account had been on automatic payments for an unknown period as the card was not used but a couple times per year. XXXX service failed to make the payment, with multiple agents disputing I had set up auto payment or that they even offered the service. I was out of town for work for several months which is why automatic payment is beneficial and I did not get the subsequent late notices, which are ONLY delivered via USPS, no electronic billing options. Even to this day XXXX denies automatic payments were set up or offered. However, XXXX sent an apology letter admitting the service was offered, I did set it up, and XXXX service did not work as expected and failed to make a payment to my credit card. They also refunded the late fee. However, they refuse to submit a credit report correction or respond favorably to the credit disputes submitted by me, resulting in the only late payment on my credit history for over 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 2023-11-11
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I hope this letter finds you well. I am writing to formally dispute the presence of a debt on my credit report, which has been reported by a third-party collection agency listed on my report. I would like to clarify that I do not have any contractual agreement with the said collection agency, and therefore, I am not responsible for the alleged debt they are attempting to collect. 

It is my understanding that the collection agency acquired this debt for a significantly reduced amount, often referred to as " pennies on the dollar. '' In doing so, they assumed the risk associated with the lack of a signed contract from me, the consumer. I believe it is unjust that I am being penalized for a debt that I do not owe, and it is negatively impacting my creditworthiness. 

I kindly request that you investigate this matter thoroughly and remove the disputed item from my credit report. As per the Fair Credit Reporting Act ( FCRA ), it is your obligation to ensure the accuracy of the information you report. In this case, the inclusion of the alleged debt is inaccurate and misleading, as I have never entered into any contractual agreement with the collection agency. 

Furthermore, I have taken the liberty of cc'ing the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) to assist in the resolution of this matter. I have been struggling with this issue since 2020, and despite my efforts, I have not been able to find a satisfactory solution. The negative impact caused by this inaccurate information being reported on my credit report is affecting my financial opportunities and overall well-being.

I urge you to take prompt action in investigating this dispute and rectifying the inaccuracies on my credit report. I expect to receive a written response from your office within the legally mandated 30-day period, informing me of the actions taken to address this matter. 

Thank you for your attention to this dispute. I trust that you will handle this matter with the utmost professionalism and urgency it deserves. 

Sincerely,

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 2023-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 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 non-monetary relief
Consumer complaint received 2023-10-31
Company: EQUIFAX, INC.
State: PA
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:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 

XXXX XXXX XX/XX/XXXX XXXX XX/XX/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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 have reviewed my credit file XXXX is reporting late payments on my account for XXXX account no : XXXX. The below dates are dates with incorrect reported late payments, my account is on good standing however XXXX and Transunion are reporting incorrectly which is affecting my ability to fair credit. This violates numerous consumer laws under the Fair Credit Reporting Act. I have repeatedly attempted to have this corrected with XXXX and Transunion. I am requesting to have these the following updated to paid as agreed and have late payment removed. 


XXXX is reporting the following inaccurate status : XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX XXXX, XXXX, XXXX, XXXX Transunion is reporting the following inaccurate status : XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/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 2019-09-14
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
My consumer credit report has a collection trade-line from Midland Funding in the amount of {$740.00} and the original creditor is entered as XXXX XXXX XXXX. I've requested debt validation several times through the 3 major credit bureaus just to receive notification that the debt was verified by Midland Funding but no verification documents, as requested, were provided. A press release in XX/XX/2018 filed by The Attorney General of the state in which I reside, Pennsylvania, filed suit against Encore Capital Group , Inc. and its subsidiaries Midland Credit Management , Inc. and Midland Funding, LLC, which collectively form one of the nations largest debt buyers,. A settlement was reached and resolves the states investigation into Midlands collection and litigation practices. The agreement settles claims that Midland signed and filed affidavits in state courts in large volumes without verifying the information printed in them, a practice commonly called robo-signing. Proper verification as described in the press release are, " the amount of the debt, proof of an agreement, and an explanation as to why any additional fees are justified. In addition, " if a consumer disputes a debt Midland is attempting to collect, the settlement requires Midland to review original account documents before it continues its collection efforts and Midland must provide these substantiating documents to the consumer free of charge. Joining Pennsylvania in the settlement were Attorneys General from Alaska, Alabama, Arizona, Arkansas, Colorado, Connecticut, Delaware, the District of Columbia, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kentucky, Louisiana, Maine, Michigan, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Utah, Vermont, Virginia, Washington, Wisconsin, and Wyoming. I am requesting such debt validation as I dispute the validity of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12
Company: Experian Information Solutions Inc.
State: CO
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:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2023-11-12
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Today I tried to retrieve my free annual credit report from Experian via XXXX, the authorized site for this purpose under federal law. Experian 's system refused to provide me access to my credit report after I had provided my identity information, as Experian is required to do by law. Experian, in fact, has prevented me from accessing my report in this fashion for years. The last time Experian successfully provided me a credit report via annualcreditreport.com was on XX/XX/2015. Yes, 2015. More than eight years ago. Since then I've had to send them snail mail and/or file regulatory complaints to obtain my report, despite Experian 's obligation under federal law to have a WORKING system on annualcreditreport.com. 

Experian needs to fix their part of the XXXX web site. Experian needs to provide me with the free copy of my credit report that I am entitled to. The CFPB must fine and sanction Experian for Experian 's pattern and practice of breaking the law.

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 2023-11-30
Company: I.C. System, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had contacted the debt collection company to find out why there was a collection against me as the product was paid for at the time of service. They were less than helpful and said that they would not accept proof of payment in the form of bank statements but would be happy to discuss a repayment plan. How else other than a bank statement am I supposed to prove that I paid for something?

They then told me to contact the original company and send them the bank statements, and when I did it took them 2 weeks to get back to me. When I finally spoke to someone they had no idea what the debt collection agency was talking about and they couldn't accept the statements. I've been sent in circles with no resolution for something that I've already paid and is ruining my 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 explanation
Consumer complaint received 2023-11-01
Company: EQUIFAX, INC.
State: FL
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:
I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act XXXX XXXX Balance : {$430.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$280000.00} XXXX XXXX Balance : {$590.00} XXXX XXXX XXXXXXXX Balance : {$3800.00}.

Company response to consumer: Closed with non-monetary relief