BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-14
Company: U.S. BANCORP
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
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 signed an auto lease with US Bank in XX/XX/XXXX. The lease term was for 36 months and ended at the end of XX/XX/XXXX. I returned the vehicle to the dealership where the vehicle was originally leased [ within the 10-day grace period ] on XX/XX/XXXX. 

The car was deemed a " lemon '' by XXXX XXXX ( manufacturer ) and the company agreed to repurchase the vehicle and payoff the amount owed to US Bank. The repurchase process began in XX/XX/XXXX and was resolved in XX/XX/XXXX. 

XXXX XXXX as well as myself were in constant contact with US Bank throughout the repurchase process ( correspondence attached ). US Bank informed me that I would not be responsible for any late payments or negative credit reporting throughout this process. In fact, US Bank credited late payment charges back to my account. 

I tried unsuccessfully for more than 8 months to have the negative reporting removed from my credit accounts to no avail. I disputed the late payment reporting with US Bank as well as all three credit bureaus. I have received letters from the car dealership confirming their receipt of the vehicle in an effort to resolve this issue. I was charged late fees by US Bank for a period [ XX/XX/XXXX - XX/XX/XXXX ] when I wasn't in possession of the vehicle.

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 2023-01-05
Company: EQUIFAX, INC.
State: WA
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:
XXXX acct # XXXX Balance : {$10000.00} XXXX XXXX acct # : XXXX Balance : {$4800.00} XXXX XXXX XXXX XXXX acct # : XXXX XXXX XXXX XXXX Balance : {$8200.00} 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C. 1681 section 604 A. Section 2. Also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C. 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make a consumer report containing any of the following items of information any other adverse item of information other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX and Transunion was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The account listed below is still reporting on my Credit Reports and needs to delete immediately : 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 2020-05-21
Company: EQUIFAX, INC.
State: AR
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 went to file my taxes and I was told by my consultant that my social security had been used already from someone else and that i needed to take action. I pulled my credit report and there are many fraudulent accounts that do not belong to me. Please remove these fraudulent accounts from my repo

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: Ability Recovery Services, LLC
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XX/XX/XXXX I went to my local emergency room for care. I was sent via ambulance to XXXX, AZ for an XXXX. Since XXXX I have submitted my bill to the XXXX XXXX XXXX at the local XXXX XXXX XXXX for payment. This bill has yet to be paid. In XX/XX/XXXX I received a bill from XXXX XXXX XXXX XXXX XXXX XXXX for {$2200.00}. In XX/XX/XXXX I received a higher amount bill of {$2700.00} from a different creditor- Ability Recovery Services LLC . I requested for an explanation as to why the bill increased since the original amount was {$2200.00}. I disputed the amount. I never have received any written explanation from them. 
Similarly, in XX/XX/XXXX I received another bill for {$2700.00} from XXXX XXXX XXXX. Again, I requested for a written explanation and disputed the amount as well. Thus far I have yet to receive any explanation from either company even though they claim that no interest has been included on their billing statements.

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 2021-08-31
Company: CURO Intermediate Holdings
State: LA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I noticed a collection on my credit account from collection agency AD Astra Recovery Services Inc. for a {$310.00} loan from Speedy Cash. I contacted the collection agency via telephone to complete a dispute. I was informed that a written dispute was the only form of dispute they accept. I sent the agency a Validation of Debt letter on XX/XX/XXXX requesting a number of documents to validate this alleged debt. They responded back to my Validation of Debt letter missing all of the requested documents. I contacted the agency within 30 days of receiving response. I spoke with a representative in regards to missing requested documents, she informed me that they do not have the requested documents and that I would need to contact original creditor. I informed them that being that they are the agency that is reporting this alleged debt to the credit bureaus, they should be able to send the requested documents. However, being that they did not respond with requested documents within 30 days, they were therefore were unable to validate the debt and I am requesting for the account to be deleted. I was then transferred to supervisor XXXX ID # XXXX, who informed me that they sent over what they had and the account will not be deleted. I informed him that what they sent was not what I requested, and the name that they had on file was not even my name. He just repeated several times that the account will not be deleted. 
I requested the following documents : Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein she agreed to pay the creditor. 
Any insurance claims that have been made by any creditor regarding this account. 
Any Judgements obtained by and creditor regarding this account. 
Name and address of alleged creditor. 
Name on file for alleged debtor. 
Alleged account number. 
Amount of alleged debt. 
Date that this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to the collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful. 

They responded to my requests with a letter that has an inaccurate spelling of my name as well as just a receipt from Speedy Cash. They did not send any other supporting documents to validate the alleged debt they are reporting to the credit bureaus. I informed AD Astra Recovery Solutions, both written and verbally, that if the alleged debt is not validated with the requested documents within 30 days the account needs to be deleted. AD Astra Recovery Services Inc. did NOT validate alleged debt within 30 days. They also refused to delete the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 XXXX 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. 1581 Section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. I've attempted via mail to solve this issues, I've yet to this date received original documents of this inaccurate reporting

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 2021-08-31
Company: EQUIFAX, INC.
State: NC
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 credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NY
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 checked my credit report on XX/XX/XXXX and realized that fifth third bank reported 30 day late on XXXX of XXXX, i checked on my records and its showing i mailed out a check on XX/XX/XXXX and the check was processed on XX/XX/XXXX on my bank records. 

I called fifth third bank on XX/XX/XXXX asking why they reported late on XX/XX/XXXX, and representative named XXXX with id number # XXXX told me that he is seeing my XX/XX/XXXX due date payment was posted on XX/XX/XXXX, and he said that sometimes a payment can get misplaced and reported in the office till its posted, and if on my bank records its showing payment was posted earlier, fifth third bank needs to remove the late from my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: Kriya Capital, LLC
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XXXX XXXX, between XX/XX/XXXX and XX/XX/XXXX, the collection account with Credence Resource Management was removed from my credit report. Then was back on my report between XX/XX/XXXX and XX/XX/XXXX, now showing original creditor XXXX XXXX  XXXX I was unsure of what this even was so I called Credence and they explained it was a bill for XXXX of {$2600.00}. I do not have XXXX anymore as I paid off my phone and switched to prepaid with XXXX for a few months then left and went to XXXX. My husband was still on the account, which I acknowledged. I was unsure of where the amount was comin g from and they told me they could only give me select information. When I told them I had not received anything in the mail, they said it was because they have my old address, but our mail was forwarded. So I decided to call XXXX and after several phone calls to get into contact with the right person, XXXX was able to convince their collections department to speak with me. They stated they could not give out information through email anymore and they have my old address on file and can not update my address to send me the correct detailed information on what I owe to them. At this point I have no idea what to do. The amount owed does not seem correct and I am wanting a detailed bill of exactly what is owed, but no one is giving me any info or telling me they can't send me anything since they have an old address. XXXX collections even told me they can not update the address to be able to send me any statements. I am not saying I do not owe but the amount does not seem correct and I can not get anyone to send me the correct information. When speaking with the XXXX rep she was super helpful but told me how my phone was not paid off. However was in agreeance that something had to be wrong, since policy is they will not unlock your phone to be able to go to another carrier if you still owe. But I was able to switch to XXXX mobile. I remember I had to call XXXX and have them unlock my phone before XXXX would let me start service. If I owed anything then, nothing was relayed to me, and my phone was unlocked still. I even stayed with XXXX after I paid off my phone for a few months and did XXXX prepay. I just need to know exactly what is being charged adding up to that outrageous amount. XXXX collections department also told me to go into an XXXX store and they " may '' be able to print out the last XXXX statements for me. They could not do that. They were having trouble even finding my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-21
Company: Experian Information Solutions Inc.
State: OH
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 have inquiries of my credit report showing I have reviewed my credit report every month. I have not done this. Addresses that I have not lived at are on my credit report. There are phone numbers that were not mine on the credit reports.

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 2021-08-31
Company: Certegy Holdings, LLC
State: IL
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:
certegy recommended decline payment transactions because their record indicate that there is negative information.That is blacklisting as seen on outstanding items there is no information on file. Federal law protects Social security and pensions and XXXX from collections, as banking regulations protect the account into which fedral funds are deposited

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 2021-08-31
Company: EQUIFAX, INC.
State: OR
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 credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: CMG MORTGAGE, INC
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Data and information for the last 6 months has not been updated/accurate. We have spoken to several HUD Counselors as well as CMG Financial Agents. They said our forbearance date is in the end of XXXX! I am getting emails/letters requesting for mortgage collections. 
I have also attached a letter from XXXX that information is also incorrect with the crediting companies and still has not been followed-up or rectified. This is really ongoing frustrating issue! Please connect me with an executive case manager. 
The letter states that they have been unable to reach me which is not true, I have not recieved any phone calls at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06
Company: Experian Information Solutions Inc.
State: AP
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Experian allows inaccurate reporting on my credit profile on a account that has been fraudulently reporting on my report. The account has been reported closed and paid in full numerous times and has never been reopened. In the last 6 months it been closed now reopened with a monthly payment but zero balance. Ive already disputed this account and showed that I havent open or reopens this account and although its been closed Experian allows their customer to report it open multiple times and add Monthly payments. This account being magically reopened is a negative on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have requested 3 times for validation of debt. I have requested the following : agreement with creditor that authorizes them to collect debt, The agreement bearing my signature stating I have a greed to assume debt from collection agency, valid copies of debt agreement stating amount of debt and interest charges, Proof that statute of limitation has not expired, complete payment history on this account along with any additional charges being assessed, Proof they are licensed to collect in my state, and licenses numbers and registered agent. As of today the collection agency has only provided a letter and a copy of a bill from seller. Each time I request validation the collection agency continues to send me the exact same response. Per my consumer rights they have yet to validate said debt and legally must be removed from all 3 credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
I XXXX, a living woman was contacted by Delta Platinum American Express. They closed the credit card account before notifying me. After closing the account I continue to receive harassing calls 4 to 5 times per day for over a month starting in XXXX. I asked that telephone communications stop because it was at all times of day, while I am at work or other inconvenient times. I requested that communication to be kept in the mail. The agent agreed, stating that it will be added to the files. 
Two days later the calling continue back to back during my work days, driving home, at the doctors office. It was driving me insane. I was scared to answer the phone. Last week my mother received a telephone call stating that American Express is trying to reach me. I spoke to the agent and again requested that communication kept in the mail. I did not give Delta American Express to contact a third party because that is violation of my privacy. 
On Sunday XX/XX/XXXX my mother received another call from American Express. She hands me the phone, it American Express again, after demanding that communication should be kept in the mail. I spoke to the agent. I asked that they stop harassing me. I requested communication through the mail again. This is now the third time. I did not give permission to call and harass someone else. 
I stated that I will make the payment in full after receiving a verification of the credit agreement. The agent proceeded to ask me why I wanted a verification if I made previous payments. He threatened that my information will be sent to the credit agencies and that my it will be bad for my credit because a collection agency will start calling me next. I did not give permission for my personal information to be shared with any third party but theyve already done so when contacting a member of my family. This is harassment. Ive been harassed since XXXX. Today, again I received another telephone call from the company after requesting to not receive telephone communication. This company has violated my human rights in many ways. It must stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I contacted All XXXX credit bureaus about the inaccurate information on my credit report numerous times over the past year. I contacted consumer finance bureau and I finally contacted Federal Trade Commission to dispute the validity of these accounts. I am a victim of identity theft as to these accounts do not belong to me and I have no acknowledgment of. These inaccuracies have been haunting me for the past decade please delete indefinitely because it is the law. I should not have inaccurate items on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-03
Company: EQUIFAX, INC.
State: FL
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 XXXX Account # XXXX XXXX Account # XXXX XXXX  XXXX  Account # XXXX XXXX  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 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation