BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-05
Company: Synovus Bank
State: NC
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:
I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with you for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. 

Unfortunately, I was in a financial dilemma due to job loss. As a result, my payment to you were delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I made sure to fulfill my obligation to ensure that your company suffered no loss. 

I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now the late marks on my credit reports are causing me tremendous stress. I am trying to move up to a better paid position at my work, but the negative remarks are hurting my efforts. 

This is where my " Goodwill Request '' comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a UDF - Universal Data Form and send it to the credit bureaus to reflect paid on time " never late ''. 

The credit bureaus have advised me that they will report anything as instructed to by you, but they need to have that instruction in writing. I will place my account on auto pay and promise to make all payments on time in the future. 

I beg that you may help me and take into consideration how good of a customer I have been and how long I have had an account with you. My family very much needs this to pay for medical care that we desperately need. I hope you can find it in your heart to help us.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting 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:
This inquiry was not authorized XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: Experian Information Solutions Inc.
State: NC
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here are the list of items which do not belong to me or were opened without my permission. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
Company: Bread Financial Holdings, Inc.
State: UT
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 paid this credit card off in full with the payoff amount they listed on XX/XX/21. Then they added interest fee charges from XXXX until XXXX, when I was finally notified that they reported a late payment on my credit on XX/XX/21. I chose the full payoff and there is no way they should have added interest on a XXXX dollar balance. I called the company and they just kept talking over me reading a script. I asked to speak to a supervisor twice and was hung up on both times. I never received a call, email, or mail communicating that I needed to pay anything until XXXX notified me. I also had automatic payments set up previous to paying it off, so I dont know why they didnt just automatically deduct the interest charge if I actually owed it. 
The company is XXXX and its managed by Comenity. I have been a loyal customer and I have consistently used my card there over the years. Ive paid it off with the full amount many times and never had this issue before. After this experience, Im going to close my account. I would never advise anyone to get a store credit there now.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-30
Company: CCS Financial Services, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The Collection Company did bot send any informational letter of how to dispute the procedure.

The Collection agency exactly at XXXX on the dot, in the morning automatically was calling to keep me informed. 

I agreed over the phone to pay the debt in exchange to not touch my credit. They agreed. After I paid, they reported negative credit. Another report is for a whole month worth of negative despite was paid in time. 

I called the company which the representatives informed me that they must report ; Which had breached our first agrement, which they did not honor. 



XXXX the original creditor, website, did not allow me to pay the past due showing no payment and lately deleted the whole account. 

XXXX Website and Mobile app failed to submit my car accident report, by showing website errors and eventually deleting all my data after I changed their insurance and they sent me to collections.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05
Company: Resurgent Capital Services L.P.
State: NC
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:
I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with you for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. 

Unfortunately, I was in a financial dilemma due to job loss. As a result, my payment to you were delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I made sure to fulfill my obligation to ensure that your company suffered no loss. 

I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now the late marks on my credit reports are causing me tremendous stress. I am trying to move up to a better paid position at my work, but the negative remarks are hurting my efforts. 

This is where my " Goodwill Request '' comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a UDF - Universal Data Form and send it to the credit bureaus to reflect paid on time " never late ''. 

The credit bureaus have advised me that they will report anything as instructed to by you, but they need to have that instruction in writing. I will place my account on auto pay and promise to make all payments on time in the future. 

I beg that you may help me and take into consideration how good of a customer I have been and how long I have had an account with you. My family very much needs this to pay for medical care that we desperately need. I hope you can find it in your heart to help us.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I joined XXXX XXXX XXXX back in XX/XX/XXXX. I settled an account through XXXX XXXX XXXX in XXXX of XXXX from XXXX XXXX XXXX, that has been paid off in full. XXXX XXXX XXXX decided to send my account to yet another collection agency : Midland Credit Management. I submitted a letter to XXXX, to Midland Credit Management, and to my TX Attorney general 's office showing proof that this was paid off, but it somehow comes back as verified. This is NOT True! Please help assist in getting this account removed from all of my 3 bureaus. No has been able to help me. I sent a certified receipt return letter to Midland Credit Management at their address and they DID NOT respond to my request. I have been battling this issue since XX/XX/XXXX. Midland Credit Management says that it was opened last year XX/XX/XXXX. But I paid it off through the XXXX XXXX XXXX program in XXXX of XXXX. I get the run-around. I just need this removed. I have a handful of accounts with the XXXX XXXX XXXX folks and they are not really helping me either. If this one does NOT get resolved then I may not continue with XXXX XXXX XXXX! ) They say that they are going to look into it and then never do! I am at a loss on what other steps that I need to take to get some answers and get Midland Credit Management to comply!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: Kikoff Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20
Company: Informative Research
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have filed in a dispute in regards to the incorrect items on my credit report. It has been well over 45 days now and I have not received any investigation results. 

Today XX/XX/2020 make it 60 days now that I have filed a dispute in regards to the incorrect items on my credit report and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
As a consumer, by law, my credit report must be 100 % accurate. I've been requesting for the credit reporting agencies to review my disputes and update my reports. Please update and remove the accounts listed below XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please remove the following unauthorized inquiries : XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-22
Company: Experian Information Solutions Inc.
State: IA
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 has already removed the XXXX XXXX XXXX account due to identity theft since i sent in all the legal required documents. You MUST REMOVE IT AS WELL. YOU ARE PAST 4 DAYS SINCE RECEIPT TO REMOVE IT

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 2022-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
n 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 604 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 2020-11-20
Company: Phoenix Financial Services LLC
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
PHOENIX FINANCIAL SERVICES based in Indiana, removed an old debt and proceeded to add it back onto collections as a new debt ( Re-age ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: OPTUM BANK, INC.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Optum Bank, XXXX XXXX. I wrote XXXX checks between XXXX and XXXX All the merchants indicated the checks were returned by Optum Bank. Upon contacting Optum Bank and reviewing notices posted within my online account, I could not find any notice that paper checks can no longer be written. When I asked why, they said to check my email on file ( XXXX ) and my spam folder, and that this change went into effect on XXXX I checked and did not find a notice. I still do not see any notices posted within my online account. Nor do I see any notes within my online bank account that these checks were listed as returned. Poor communication and lack of notice has caused us to suffer returned check fees from our merchants.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09
Company: CCS Financial Services, 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: Old information reappears or never goes away

Complaint:
Credit Collection Services is a debt collection agency which appears to have purchased a debt ( with my name on it ) where the last date of activity on the original account has been more than 7 years ago. There has been no verbal activity, like a payment arrangement or acknowledgment of the original debt, They ( XXXX XXXX XXXX ) are now illegally reporting negative information to credit reporting agency ( e.g., XXXX, XXXX XXXX, XXXX, or XXXX  ),

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-26
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To Whomever This May Concern : My name is XXXX XXXX. Last week I reached out to Experian because they have someone else information on my credit report. I submitted disputes. I submitted a police report and my DL as well. I received an email from them stating that they needed another police report or all pages. I have submitted all pages of the police report. There are no additional pages. I have submitted everything that they have requested. The accounts that are not mine are as follows : XXXX/XXXX  XXXX XXXX Now XXXX XXXXt XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX I am not pleased with what is going on and what they are not doing and how this information has not been removed and/or blocked from my report. I need this removed and rectified asap before they find themselves in the middle of a lawsuit for having information on my report that doesn't belong to me, that isn't in my name, and that isn't associated with me at all.

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 2023-01-06
Company: Experian Information Solutions Inc.
State: IL
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 is reporting 3 Closed and Paid in Full Accounts inaccurately. I have sent them requests to correct these accounts starting in XXXX of 2022, with a follow up in XX/XX/2022, then another follow up in XXXX of 2022. The time they responded they stated " verified by furnisher ''. However, this is not the furnisher 's error. It is how EXPERIAN is reporting the payment status. 

They are reporting a derogatory payment status on all three accounts : A payment status is to report the CURRENT PAYMENT STATUS. 

XXXX- its paid in full and closed- 1 ) they are reporting the payment status as " paid, was past due 180 days or more '' 2 ) They are reporting a two year history- that is OVER two years old and there is never 180 days late payment on there.

UPDATE THE PAYMENT STATUS TO : " PAID AS AGREED '' AND REMOVE THE TWO YEAR HISTORY THAT IS OLDER THAN TWO YEARS. 

XXXX XXXX XXXX : its paid in full and closed- 1 ) they are reporting the payment status as " paid, was past due 120 days " UPDATE THE PAYMENT STATUS TO : " PAID AS AGREED '' XXXX XXXX XXXX XXXXXXXX : its paid in full and closed- 1 ) they are reporting the payment status as " paid, was past due 180 days or more '' LOOK AT THE TWO YEAR HISTORY THERE ARE NO LATE PAYMENTS- UPDATE THE PAYMENT STATUS TO : " PAID AS AGREED '' THEY ARE IN VIOLATION OF MULTIPLE FCRA GUIDELINES. 

KEEP IN MIND I WILL NOT ACCEPT ANYTHING BUT ALL THREE ACCOUNTS BEING CORRECTED AND UPDATED TO SHOW THE CURRENT ACCURATE PAYMENT STATUS. 
THIS HAS DAMAGED MY CREDIT FOR OVER A YEAR NOW AND IF ALL THREE ACCOUNTS ARE NOT CORRECTED IMMEDIATELY, I WILL PURSUE LEGAL ACTION AGAINST EXPERIAN FOR THEIR DISREGARD FOR FEDERAL LAW. 

Ive included all certified letters, as well as all three accounts credit report with the inaccurate information highlighted.

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 2021-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There is an account open at XXXX XXXX in XXXX, SC showing up on my credit report for around {$3500.00} that I did not open. After speaking with several people at XXXX corporate office, they have denied responsibility, saying that it was reported correctly on their end. The account belongs to a woman with the same name and similar social security number to my own. This woman is from the same town as me, with a similar birthday, name and ssn, so this has been a recurring problem for us for most of our adult lives. We should be closing on our home in 7 days, however this and other debts that have been incorrectly reported is causing a delay.

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 2021-07-19
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: Information belongs to someone else

Complaint:
I HAVE MAILED SEVERAL LETTERS AND SUBMITTED AND FTC REPORT TO TRANSUNION REGARDING FRAUDULENT INQUIRIES. EVERY TIME I CALL, THEY TELL ME THEY HAVE NOT RECEIVED THE PAPERWORK. I SENT ALL MAIL CERTIFIED AND HAVE TRACKING NUMBERS SHOWING CONFIRMATION THAT EACH LETTER WAS DELIVERED. I HAVE BEEN SENDING PAPERWORK SINCE XXXX. MY MOST RECENT LETTER WAS SENT XX/XX/2021 AND THESE INQUIRIES STILL HAVE NOT INVESTIGATED.

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 2023-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on 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 non-monetary relief