BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-18
Company: Experian Information Solutions Inc.
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:
Please view attachments. Lender is hereby notice that they have 72 hours upon receipt of this notice to enter a rebuttal. Failure to enter a rebuttal means that the lender admits to having no claims to this account and thereby forever release clams against the borrower.

Company response to consumer: In progress
Consumer complaint received 2021-06-25
Company: EQUIFAX, INC.
State: TX
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter in regards to inaccurate/unknown items on my credit report. Till this day I have not received a response yet. I feel like I am being taken advantage of and being ignored of my dispute.Section 611 ( A ) plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. That time has lapsed so they should be deleted promptly. I demand this inaccurate information be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten in the wrong hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25
Company: Southwest Credit Systems, L.P.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I woke up Thursday, XX/XX/2021, to an email saying I had something negatively impacting my credit score. I open XXXX  to see I have a {$660.00} collection from Southwest Credit Systems that was opened XX/XX/2021. 
I literally have not even spent that much money in over a year nor do I have any accounts open on anything. I live at home with my parents why I do not have a single bill to pay. 
I never received a letter in the mail, I never received a phone call, and I never received any type of notification if this collection was even real. 
I decided to dispute this over XXXX recommended system and nothing has been resolved yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20
Company: Credit Corp Solutions Inc.
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XX/XX/XXXX, an account was opened with XXXX XXXX which at that time was through XXXX money. We made regular payments on this until XX/XX/XXXX, after financial difficulties, and ceased contact with the company. 
In XX/XX/XXXX XXXX sold or changed their name to synchrony bank. 
XX/XX/XXXX {$5800.00} was sold to XXXX XXXX XXXX. 
We were served with a notice to file an answer by XXXX XXXX in Colorado regarding this debt. ( Colorado XXXX XXXX XXXX XXXX 8 years, this was included in the answer ). 
Pre trial conference was on XX/XX/XXXX, asked again if this could he dismissed but judge stated he had not reviewed the case and that could be done at the trial. 
Trial date was set for XX/XX/XXXX. 

Case number XXXX XXXX XXXX la XXXX XXXX colorado XXXX XXXX XXXX Attorney XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Defendants XXXX XXXX and XXXX XXXX Additionally my husband is XXXX and can not handle the stress of going to court. 
I need your help to please stop this predatory attorney from harassing us through lawsuits.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 signed up for XXXX, and they reported the account opened to the credit reporting agencies. Well I canceled the loan before the first payment. They closed it on my account but will not delete the account off 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 explanation
Consumer complaint received 2023-09-13
Company: Experian Information Solutions Inc.
State: IL
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 urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

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 2021-06-25
Company: EQUIFAX, INC.
State: IL
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:
My name Is XXXX XXXX am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
My XXXX XXXX XXXX XXXX XXXX  was removed from my credit report. XXXX  told me it was because the lender ( XXXX XXXX XXXX ) told them to do so. I called both parties who blamed one and other and told me there wasnt anything I could do. My account is sure to and paid with a XXXX $ availability. Therefore inaccurate information is being reported. Im not receiving proper information and its directly affecting my credit which I find very unfair! Please help 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 2021-06-25
Company: Self Financial Inc.
State: TN
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 signed up for Self-Lender, and they reported the account opened to the credit reporting agencies. Well I canceled the loan before the first payment. They closed it on my account but will not delete the account off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24
Company: HCFS Healthcare Financial Services of TeamHealth
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 information incorrect

Complaint:
UPDATED DISPUTE TO INCLUDE EVIDENCE I have attempted to dispute accounts with this company and they continue to respond with template responses that do not address the problem. I DO NOT RECOGNIZE THE ORIGINAL CREDITOR. Please send information about XXXX XXXX XXXX XXXX XXXX XXXX so I may dispute directly with them as well. 

Additionally, the State of Texas prohibits a third-party debt collector from engaging in debt collection unless the third-party debt collector has obtained a surety bond issued by a surety company authorized to do business in Texas as prescribed by Texas Finance Code 392.101. A copy of the bond MUST be filed with the secretary of state. 

The Texas Secretary of State has informed me that Account Resolution Services is NOT authorized to conduct debt collection in the State of Texas and therefore is in violation of state law ( see enclosed ). 

The company as an entity ( ARS ) is acting unlawfully with debt collection. The company name itself has been listed on the bond and not a DBA.

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 2021-06-24
Company: Southwest Credit Systems, L.P.
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
This company has called my employer several times after repeatedly being told to cease and desist contact. They are calling about a debt and I know for a fact I owe no one money. I was threatened by my employer that I could lose my job ober this issue. They have called several times in one day and then repeatedly called 5 times after being told not to contact my place of employment. I want fees, fines and penalties from them for this. They are told on the XXXX of XXXX not to call and called again on the XXXX at my work. Then again on the XXXX, XXXX, XXXX, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: Experian Information Solutions Inc.
State: TX
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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1666A 1666B 1666C 1666D 1666E and 1666F. Account Name : XXXX XXXX. 
A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 
Privacy and Consent, there is no law stating that late payments have to be reported. 
This has to be a billing error and needs to be corrected, effective immediately. 
This company is causing my credit score to decrease with reporting of my late payments that is illegal and there is no law that states otherwise. 
I am asking that they remove all information from my credit report 's and that's all 3 bureaus including, 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 2023-08-08
Company: Exeter Finance Corp.
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Misrepresentation has been committed on the consumer credit file of XXXX XXXX which violates the Fair Debt Collection Practices Act. Company Name is using extortionate means to collect an alleged debt that I do not owe which violates 18 USC 892-894 and constitutes racketeering activities and extortion. This is a notice sent per FDCPA 15 USC 1692g section 809 ( b ). This notice states that your claim is disputed and validation of the account is required. Provide evidence that you are a license debt collector in my state, chain of title, and a requested copy of your State Department of Commerce and Insurance Certificate. Im also requesting the governing trust instrument, all tax filings and/or interests associated with this account of which I am an alleged party. Please settle the account immediately and cease and desist all communication, Collection and remove the trade line from all consumer reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: TRUIST FINANCIAL CORPORATION
State: AZ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
I had my identity stolen and the thief was able to use my identity to open two credit cards, a checking account, and a savings account with a Truist Bank Branch in XXXX. I reported this to the company and found on my credit report that a credit card had been fraudulently used to charge {$8600.00} to the card. The bank sent me a letter after a few weeks dated XX/XX/2023 but not actually delivered until XX/XX/2023 XXXX weeks later. The letter said I had a case open XXXX and I had 30 days to respond with all documentation needed. I worked until midnight and the next day XX/XX/2023 sent all the documents along with the completed affidavit to Truist bank using the envelope that was enclosed by the XXXX XXXX  XXXX XXXX. I just received another letter today XX/XX/2023 that is dated XX/XX/XXXX that says, " We have closed our investigation into your identity theft claim as Unconfirmed/Denied because we did not hear from you or receive the documentation we needed to complete our investigation within 30 days. '' The letter also states that the past-due accounts will remain in active collection status. I have contacted this bank over XXXX different times, I have a call log and notes from the calls. I sent the required documentation the very first day possible with all required documentation and I am still being held liable for identity fraud that this company did not do it's due diligence to prevent nor resolve. I am attaching a scan with the letters and documentation that was sent to them.

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 2023-08-08
Company: ADP Inc.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Ive been going back and forth with this bank about my money being insured with them and why there not following there regulators regulations Ive been requesting provisional credit from this bank for a few months now and Ive been getting ignored which I understand that the bank adheres to the regulations set forth by the Electronic Fund Transfer Act ( EFTA ) and the Consumer Financial Protection Bureau ( CFPB ). According to EFTA, if an investigation takes longer than 10 business days, the bank must provisionally credit the disputed amount to the customer 's account.

This bank is not following these regulations that was place to protect the consumer Ive sent multiple letters and emails to them and not getting any correspondence back from them at all nothing what so ever Im keep being told someone will contact me within 2-3 business day which no one has and Ive been told this over 3 time so far Which this bank is breaking the law misleading me during multiple recorded phone calls 15 U.S.C. 1611 - U.S. Code - Unannotated Title 15. Commerce and Trade 1611. Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, ( 2 ) uses any chart or table authorized by the Bureau under section 1606 of this title in such a manner as to consistently understate the annual percentage rate determined under section 1606 ( a ) ( 1 ) ( A ) of this title, or ( 3 ) otherwise fails to comply with any requirement imposed under this subchapter, shall be fined not more than {$5000.00} or imprisoned not more than one year, or both.

I will like to be treated fairly and not be grated unfairly and rudely threw my current hardship in my lifetime this bank keep hanging up on me rudely no one calls back as they said they will if the phone call is disconnected this bank is not treat me right as a consumer at all and its aggravating and frustrating at this time on need some money in my life where my bills are pulling up and its hard for me to feed myself currently

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: Experian Information Solutions Inc.
State: TX
Product: Credit card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
Subject : Urgent Complaint Regarding Credit Score Drop and Fraudulent Account on Credit Report [ XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXX, TX, XXXX ] [ XXXX ] Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX  XXXX, Iowa XXXX Dear CFPB, I am writing to bring to your attention a serious issue regarding my credit report, which has adversely affected my credit score without any justifiable reason. Additionally, there is a fraudulent account, specifically Account XXXX with XXXX XXXX XXXX, that has been erroneously added to my credit report, causing a significant drop in my credit score. 

XXXX XXXX XXXX XXXX : I recently observed a sudden and unexplained drop in my XXXX credit score. Despite my diligent financial management and no adverse actions on my part, my credit score has decreased, impacting my financial standing. I have not received any notification or explanation for this decline. 

Experian Fraudulent Account - XXXX XXXXXXXX XXXX ( Account XXXX ) : Yesterday, I discovered that Experian unblocked a fraudulent account, Account XXXX with XXXX XXXX XXXX, which does not belong to me. This unauthorized account has resulted in a substantial decrease of XXXX points in my credit score. I have taken immediate steps to dispute this fraudulent activity and have contacted Experian, but I am yet to receive a satisfactory resolution. 

XXXX Failure to Remove Fraudulent Account : Despite providing evidence and documentation proving the fraudulent nature of Account XXXX with XXXX XXXX XXXX, XXXX has been unwilling to remove it from my credit report. XXXX XXXX has reported this fraudulent activity to all three credit bureaus, including Experian and XXXX, but XXXX 's lack of action is further exacerbating the impact on my credit. 

Difficulty in Communicating with Credit Bureaus : I have diligently attempted to resolve these issues by contacting each of the credit bureaus. Unfortunately, my efforts to speak with a U.S. representative have been met with unresponsiveness and hang-ups, hindering my ability to rectify these critical matters promptly. 

I kindly request the Consumer Financial Protection Bureau 's intervention to investigate and address these issues promptly. The discrepancies in my credit report and the inclusion of a fraudulent account are causing undue financial distress, and I seek your assistance in ensuring a fair and accurate representation of my credit history. 

Enclosed with this letter, please find supporting documentation, including evidence of the fraudulent account and communication attempts with the credit bureaus. 

Thank you for your urgent attention to this matter, and I look forward to a swift resolution. 



[ 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 2021-06-25
Company: The CBE Group, Inc.
State: UT
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:
I was XXXX by a XXXX stranger in a hotel near XXXX, Utah. I suffered a XXXX. I was forced to go to the hospital  by police. I did not want to go. When at the hospital, I told them I want to be released. After the hospital personnel resisted my request and my repeated request to be released, they would only do so if I signed a release. O signed a release document to be released at my own risk. I then walked home at about XXXX XXXX. in the morning. 

XXXX owned by XXXX attempted to collect a medical bill when I had told them all along it was a XXXX and I wanted to be released. I did not authorize the treatment and I did not commit the assault crime against me. 

Eventually XXXX gave the account to CBE, a debt collection company and I was sent a collection notice. I responded on writing with a letter containing my explaination for disputing the debt, informed them of my rights according to FCRA laws and stated for them to cease and desist. I also gave them documentation regarding the offender 's court case with DA and Judge for the case of assault. CBE Group then told me they are closing my file and sending it back to XXXX. That was approximately XX/XX/XXXX, because my letter was sent XX/XX/XXXX. 

Months and months later I received another letter attempting to collect the debt. I informed CBE with a letter that I had already disputed it and they had my letter with documentation about the court case for an assault by a stranger on me. I also informed them that they are violating FCRA laws by attempting to collect it again and contacting me to do so after I have told them in writing to cease and desist as per FCRA regulations. I then called CBE and explained again. I was promised by the CBE representative that they would remove the collection and close my file. They said they would take care of it. 

On XX/XX/XXXX, I received a credit alert email and when I looked at my XXXX credit report, CBE had made an entry that my account was in collections and my score dropped significantly. I have filed a dispute with the credit agency and reporting the error. 

Again, it is not my debt for reasons already explained. I can send copies of the letter I sent to CBE Group along with documentation showing the perpetrator 's court case, sentencing, DA information, Judge, etc. 

I am reporting this collection matter now as an FCRA violation and as fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I went to XXXX XXXXXXXX to rent an apartment. After filling the necessary forms ; I was approved and scheduled a move in date. 

But before I could move in, XXXX curiously rescinded the approval while it took my {$600.00} through my account with XXXXXXXX XXXX. 

I disputed the charge through my bank and had the {$600.00} refunded to my account. I wrote to XXXX requesting that they desist from further collections as I was misled by their management. 

Now same XXXX has through a XXXX XXXX XXXX XXXX is listing the {$600.00} as debt owed ; when there is no such debt. 

I want this resolved ASAP as this fraudulent claim by XXXX is negatively impacting my Credit Rating. 

Thanks. 


Sir XXXX XXXX XXXX

Company response to consumer: In progress