BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-10
Company: AMERICAN EXPRESS COMPANY
State: DE
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On my credit report from the three bureaus ( XXXX XXXX XXXX ) a credit card account with American Express is being reported that had a balance of {$3700.00} and was " Closed - Credit Grantor '' on XXXX. They continue to report it as active. I have not had communication with them since XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-20
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: Account status incorrect

Complaint:
XXXX XXXX XXXX is continuing to report missed payments on a charged off account on a car I surrendered due to XXXX XXXX back in 2017. 
The amount is now showing as roughly {$20000.00} but the account is closed and charged off.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26
Company: HUNTINGTON NATIONAL BANK, THE
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I financed a vehicle through XXXX XXXX and financed by Huntington National Bank of XXXX, Ohio ... .The Loan was paid off as of XX/XX/2018 ... ..After numerous telephone calls and every possible excuse on their end, I have not received my Title ... Please HELP!!!!!! 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my XXXX  endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX : {$460.00} XXXXBANK XXXX Balance : {$260.00} XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$1100.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$320.00} XXXX XXXX  XXXX XXXX Balance : {$460.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX Balance : {$770.00XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2021-05-10
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: Account status incorrect

Complaint:
XXXX XXXX placed a collection for {$5600.00} on ALL XXXX Credit Bureaus ... XXXX, Equifax, and XXXX. I became aware of this in XX/XX/XXXX. 

WHAT HAPPENED : XXXX  On XXXX i saw XXXX was on my credit report. Never having received anything to do with this company nothing, I sent a letter. XXXX  see attached ). 
** On XX/XX/XXXX XXXX I was SUED by XXXX XXXX. ( Still, I had never heard of them or from them XXXX. 
XXXX XXXX XX/XX/XXXX XXXX I responded. 

-- -- - After waiting out LVNVs continuances for documents.On day of courtXXXX is no-show all while reporting still monthly to ALL 3 CREDIT AGENCIES. 

On XX/XX/XXXX = COURT DISMISSED XXXX Fundings case. CASE DISMISSED ..XXXX XXXX see document ) On XXXX XXXX XXXX XXXX XXXX write ALL XXXX AGENCIES requesting they REMOVE XXXX XXXX off my report AND THEY ARE REFUSING. 

PROBLEM : XXXX  and Equifax refuse to remove after receiving XXXX XXXX XXXX. XXXX Their reason to me= they continue to wait for XXXX XXXX  response REQUESTING HELP FOR RIGHTS 1. I requested XXXX  ; who I had never heard of get off my credit report. I was proactive and requested XXXX XXXX verifying and validate any debt they were accusing me of owing as well as verify who the heck they were. NOTHING THEN XXXX  days later= IM SUED BY XXXX XXXX. 

2. XXXX XXXX continues to report to all 3 credit agencies stating, I owe them moneyI say I do not, and the Court Agreed. 
THIS CASE HAS BEEN DISMISSED IN A COURT OF LAW PLEASE MAKE EXPERIAN, TRANSUNION AND EQUIFAX REPORT THIS DISMISSAL CORRECTLY AND REMOVE THIS NEGATIVE COLLECTION OFF MY REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: SYNCHRONY FINANCIAL
State: TX
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:
Remove Derogatory collection accounts an inquires in attachments. I do not recall contracting with these companies for services nor authorizing my information to be used to inquire about such. 
Remove the following accounts and inquiries in the picture below and please see my IDENTITY THEFT AFFIDAVIT along with identification.

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 2023-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/23, I mailed a letter to TransUnion requesting an investigation into a negative mark on my credit report from XXXX XXXX XXXX XXXX XXXX  ( see Exhibit B ). 

In my letter I requested that TransUnion provide evidence that proves the accuracy and completeness of this XXXX mark ( Exhibit B ). 

Here is the excerpt ( see Exhibit B ) : -- -- -- -- -- -- -- " Please provide Payoff disclosure, Interest rate disclosure, Balance history, Payment history, and Credit insurance. 

Im also requesting that you guys send me some kind of proof of this item like a note, contract, or a document from the creditor bearing my signature. 

I read that federal law requires your investigation to be completed within 30 days and Im also requesting a description of the procedure you used to complete the investigation within 15 days following its conclusion. 

Please investigate and make all corrections immediately. I have included a copy of my drivers license and social security card to prove my identity and address. " -- -- -- -- -- -- -- TransUnion 's response did not include any evidence and I still believe this XXXX mark to be incomplete or inaccurate. 

Specifically, I believe the following information is incorrect : 1. Date opened 2. Loan type 3. Balance 4. Payment received 5. Last payment made 6. High balance 7. Original charge-off 8. Credit limit 9. Past due 10. Pay status 11. Date closed 12. Responsibility ( I don't think this is my INDIVIDUAL account ) I think the delinquency status reported in inaccurate too but I can't even address that part until TransUnion shows me where this data is coming from.

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 2021-05-10
Company: Phoenix Financial Services LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
After reviewing my credit profile on XX/XX/2021 I identified a discrepancy with account listed under Phoenix Financial Services. I requested a validation on XX/XX/2021 as this was an account that I did not recognize. I reviewed my credit report again on XXXX/XXXX/2021 and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me despite my credit report nor any updates to reflect that the account is disputed and therefore a 2nd validation letter was sent out on this day. As of XXXX/XXXX/2021 I have not received the requested validation in a timely manner according to the Fair Debt Collections Practices Act and I do not believe the account belongs to me nor do I believe that the creditor has HIPAA authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have sent several notices over the past year or two to the three main credit bureaus ( XXXX, XXXX, AND TRANSUNION ) to dispute information on my report that should not be on there as well as advise them that they are in violation of many federal laws with the way they have been handling my credit profile. 

First of all, i have not given these companies any authorization to utilize or distribute my personal identification documents or authentication features. It is a violation to obtain my personal data and report information attached to said documents without my consent. 

There have been multiple inaccuracies across all three bureaus on most of the accounts they are reporting on. From account opening/closing dates, balance amounts, status of the account, payments made.. etc. Neither company has consistent information reporting and i requested that they validate all the information and authenticity of the accounts that they are reporting on. But they have not supplied any detailed information about whats going or the source of their information. These accounts need to be removed from my report immediately since they are not doing their due diligence to validate and certify that the information they are reporting on is true. 

They have also allowed fraudulent collection agencies to report on my account as well and refused to properly verify and validate the information being reported. 
Its seems like any company can just obtain my social security number and name, pay them some money, and they can start reporting on my account even though no debt is owed to them and i have no knowledge of said company or any agreement with them. 
This is a violation and is fraudulent. 

The inaccuracies of these reports have caused a lot of damages to me mentally and physically and limit my ability to prosper in life. 
As a consumer, i have rights and protections under the law and these companies need to be held accountable for the many violations they are committing. 

I want these issues looked into and handled immediately.

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 2023-06-27
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I started sending disputes since XX/XX/2023 about inaccurate accounts on my credit report. I mailed certified letters the each credit b about the inaccurate accounts on my credit profile. After that I mailed out letters on XXXX to address some of the same issues and still they were not fixed, last I mailed out letters on XX/XX/2023. After I checked my credit report there are still accounts reporting inaccurate on my credit report. These accounts are still showing inaccurate information. I will attach the letters that were last sent out with the tracking numbers for all complaints sent out. This is causing me so much stress now and I want justice. 

These are the accounts that I am talking about : XXXX # XXXX the date of last payment is not the same on each credit bureau They are reporting different dates to each credit b. 

XXXX # XXXX The date of last payment is not the same on each credit bureau They are reporting different dates to each credit b. 

XXXX XXXX XXXX shows that I had late payments and they did not send any proof, which I requested a bank statement showing when I was late.

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 2023-02-01
Company: SUNRISE CREDIT SERVICES, INC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I called the company 7 times today and the first 5 I was immediately hung up up on. The 6th time I was told they could not access any information in my file. I asked for a manager and was told I was talking to a supervisor already and then hung up on again. The 7th and final call of the day I was told that my case was already being disputed but they could not tell me when the dispute started or even who started the dispute. I wanted an update on the dispute and they refused. I asked for something to substantiate that the debt was mine and they said they did not have it and I had to contact XXXX even though Sunrise Credit was on m report. I told them I have no business with XXXX and I want to speak with someone about removing the mark on my credit and they refused to let me speak to anyone. After I insisted on speaking to someone they hung up on me again.

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 2021-05-10
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have been made aware of a debt that was reported on my credit report. I have reached out to this company and the credit reporting agencies and have not been given verification of this account. I know for a fact that I did not have any contacts in place with this company, or the company that " bought '' the debt from XXXX XXXX XXXX. I am asking that this be verified by providing any contacts that were signed and dated with my signature.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
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:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-01
Company: Bread Financial Holdings, Inc.
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
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:
Comenity bank has done nothing to resolve my issue which Ive been trying to get them to fix since XXXX. I have been unable to order anything using my overstock credit card. I was then informed by XXXX of the credit bureaus thats Comenity bank has closed my card but when I log into my overstock credit card as well as call the number in there back it states my account is active and open. I then asked customer service to send me out a new card after learning that the card that I have no longer works but shows active in their system. Then was told due to a system glitch they cant replace my card and they will have IT look into the issue. Okay that was a XXXX ago Everytime I call I get the run around and it draining and annoying. Just fix my credit report my account is NOT closed its clearly open with a XXXX credit limit and I am still waiting on a card. Also everytime I tried adding any authorized users the system would automatically remove then and when I call customer service for them to add it does the same in their end and theyre telling me they dont know why. Well overstock how about you actually do some investigating and fix this issue before this leads for a major lawsuit. Due to this error of my account showing closed my credit report has dropped over XXXX points! I dont want excuses I just want this fixed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-10
Company: Affiliate Asset Solutions, LLC
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a debt collection letter in the mail. When I called to dispute the debt the lady got attitude and talked about filing a fraudulent police report. When I called back to talk to other representative, the guy that answered was not polite and hung up on me. Both times I was ensuring nothing further needed from me, and nothing needed submitted in writing disputing the collection. 
I tried explaining the patient in question was a prior XXXX XXXX  however was not placed with us during the service date listed. We did not even know each other at that point. The patient in question was still living at home with his biological parents.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting Act. This List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account : 1. XXXX - Account # : XXXX 2. XXXX XXXX - Account # : XXXX Date Opened : XX/XX/XXXX 3. XXXX XXXXXXXX Account # : XXXX Date Opened : XX/XX/XXXX 4. XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX 5. XXXX XXXX XXXX XXXX Account # XXXX Date Opened : XX/XX/XXXX 6. XXXX XXXX XXXX -Account # : XXXX Date Opened : XX/XX/XXXX 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.

15 U.S.C. 1681c ( A ) ( 5 ) SECTION STATES : NO CONSUMER REPORTING AGENCY MAY MAKEANY CONSUMER REPORT CONTAINING ANY OF THE FOLLOWING ITEMS OF INFORMATION ANY OTHER ADVERSE ITEM OF INFORMATION, OTHER THAN RECORDS OF COMVICTIONS OF CRIMES WHICH ANTEDATES THE REPORT BY MORE THAN 7 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 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 2021-05-10
Company: BBVA FINANCIAL CORPORATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XX/XX/XXXX, my account with BBVA was locked, and has not been opened again despite multiple attempts to contact them. The phone number they provided does not work, and disconnects after saying " we're experiencing difficulties, please try again later. goodbye ''. My card is being declined everywhere, and I am unable to access my money or log in to their online banking system.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: U.S. BANCORP
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Someone tried to open a US Bank account in my name and a debit card was sent to my previous address. 

Someone tried to open an account with XXXX XXXX y to hat wasnt me

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 2023-02-20
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Fraud or scam

Complaint:
I understand Wells Fargo has undergone a fine settlement for fraud between XXXX but not all its customers have been notified. I'm unsure what debts I'm owed out of the settlement since I was not given a notification of any sort from Wells Fargo and this is to ensure I'm not left out of the settlement claim. I've had checking, savings, and credit card accounts with Wells Fargo since 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