BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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: Investigation took more than 30 days

Complaint:
I have sent out a letter to Transunion about two ( 2 ) accounts on my credit report XXXX XXXX   and XXXX  XXXX XXXX. I have asked TransUnion As per Section 609 of the FCRA that I am entitled to see the source of the information, which is, a copy of the original contract that contains my signature for those 2 accounts ( XXXX XXXX and XXXX  XXXX XXXX ). I have sent out that letter on XXXX XXXX via USPS certified mail with return receipt requested. Transunion signed the receipt on XX/XX/2020. Today 's date is XXXX XXXX more than 2 months after I have sent out that letter and Transunion signed for it. I have never received the contract that contain my signature which I repeat is my right under the section 609 of the FCRA and Transunion keeps reporting those accounts ( XXXX XXXX  and XXXX XXXX XXXX ) to my credit report. I would like to notify you that the accounts have been removed on my XXXX  and XXXX  credit report. Why can't Transunion do the same? Does XXXX  XXXX XXXX pay you to keep information on people report? Is it more about a business than reporting correct information? I want a copy of the original contract that contain my signature or remove immediately those accounts from my credit report. I have attached to this statement the USPS return receipt and the copy of the original letter that I have sent to TransUnion. Please CFPB help me fix this issue. Transunion is getting money from big companies such as XXXX  XXXX XXXX to keep information of people credit report no matter what and that is a shame!

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 2020-12-01
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This account of XXXX XXXX was open on XX/XX/2013 and don't remember having any business with XXXX XXXX at that year. As a consequence, I decided to dispute this account with the Three Bureau credit report XXXX, Experian and XXXX. I requested each bureau to provide me a copy of all documents that they have in their file that they used to verify the accuracy of the dispute account. They always reply with " Information on this item has been updated or This account has been verified but never send any documentation to verify the accuracy of this account. They were unable to provide me with a copy of the verifiable that they have on file because this account doesn't belong to 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 2020-09-04
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: Information belongs to someone else

Complaint:
I have two items on my credit the has been on my report that i have desputed several times that does not have my social attached i have verified and i am in college never had a appartment in my name i leave a home with my parents and the problem has not been fixed over and over i demand removal it is not mine 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 explanation
Consumer complaint received 2023-02-23
Company: Phoenix Financial Services LLC
State: CT
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recieved mail dated XX/XX/XXXX from Phoenix Finacial Services attempting to collect debt owed to XXXX XXXX XXXX XXXX XXXX in the amount of {$1200.00} for Date of Service XX/XX/XXXX,. I am not familiar with the debtor on any Date of Service rendered by XXXXXXXX XXXX XXXXXXXX XXXX XXXX. I contacted XXXX XXXX XXXXXXXX XXXX XXXX after finding them online. They indicated that there was no account under my name with my date of birth. They also indicated that they do not work with Phoenix for debt collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20
Company: Exeter Finance Corp.
State: FL
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/2020 The following account was verified as accurate EXETER FINANCE LLC. Please provide the method of verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15
Company: Kelsting Group, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2016, I was working for a company called XXXX XXXX. Address is XXXX XXXX XXXX # XXXX XXXX XXXX, XXXX Phone - XXXX Owner - XXXX XXXX and XXXX XXXX I was injured at work by a machine that was neglected by the owner. They took me to a XXXX XXXX to get stitches. I was never given any paperwork. Everything was taken care of by XXXX XXXX and he told me it was all through XXXX  XXXX. I had never been through anything XXXX  XXXX  related so I was unaware of how the process worked. Later on I found out he never actually filed anything through XXXX XXXX and committed insurance fraud by lying on the forms. The bill was never paid and I started to receive calls and letters in the mail a year later and have XXXX coming after me for {$1000.00}. Now they harass me calling constantly and even calling my new place of employment! This is embarrassing and humiliating and also wrong and illegal and any debt needs to be resolved with XXXX XXXX and his company XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-03
Company: CCS Financial Services, Inc.
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX submitted my information to XXXX XXXX XXXX for not paying for homeowners insurance coverage. XXXX never insured my home for the duration that I have owned it. XXXX  alleged they covered the home from XX/XX/XXXX to XX/XX/XXXX. I was not the homeowner. I purchased the home onXX/XX/XXXX I provided XXXX XXXX XXXX with documents showing I closed on my home XX/XX/XXXX. XXXX XXXX  is committing fraud. I can not legally insure a home that is owned by someone else. XXXX is requesting that I prove I did not live there during the month they are claiming they insured it. Home owner 's insurance can only be secured by the owner. My credit score has dropped because they falsely reported me to the credit bureau. I contacted XXXX for a quote with the anticipation of closing on XX/XX/XXXX. We did not close until XX/XX/XXXX, at which I went with another insurance company. I could not file a claim with XXXX XXXX on a house owned by someone else. If the house would have burned down, I would not have been able to file a claim.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
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: Was not notified of investigation status or results

Complaint:
I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXXXXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : Original Creditor, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX Company Inquiries : 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 2020-10-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with overdraft
Sub-issue: Overdraft charges

Complaint:
Bank of America prepaid unemployment debit card withdraw my account to negative al my unemployment funds, no access to my account and they let somebody else change my drese not even able to order a new card because they have wrong address and they can confirm its me the real person not helping at all. XX/XX/20 unemployment card from XXXX  also overdraws after I simmited a claim and was on my favor. Because I never apply for one I dont live in XXXX  and doesnt make sense unemployment card from XXXX  and XXXX  also same person. After I put an alert with fraud department they let another person change my info 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 2020-09-04
Company: PRESTIGE FINANCIAL SERVICES INC
State: UT
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 went to XXXX XXXX XXXX XXXX on XX/XX/2020. I authorized for one credit pull. Without my consent, 2 financial institutions had pulled my credit, resulting in 3 hard inquiries on my credit report. I did NOT authorize the financial institutions to pull my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04
Company: Hunt & Henriques
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I was sued by Hunt & Henriques on XX/XX/2019 for {$2400.00}. They have falsely reported to the court that I made payments on a XXXX XXXX Credit card within 3 years before XX/XX/2019. I never received any proof that this debt is even valid. I was told by my lawyer that the debt hasn't had any payments made on in it in over 4 years which in California, the debt is considered 'Time Barred ' and over the Statue of Limitations to collect on. I was sued anyways despite the debt collectors knowledge of this. XXXX XXXX is the name of the attorney representing Hunt & Henriques. She has sent me very minimal information on the court case with zero proof that the case is within the Statue of  Limitations. She is just hoping to get a default judgement against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
Company: Paypal Holdings, Inc
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unexpected or other fees

Complaint:
On XXXX I received a transaction fromXX/XX/XXXXXXXX for {$760.00}. Paypal deducted {$22.00} from this transaction without consent. I knew at the time that PayPal has two types of transactions : personal or business. This was a personal transaction and we were not looking for any " purchase protection '' that the fee provides. Knowing this, I watched the sender go through the steps to send the the money. They were using a mobile browser to access paypal.com ( not the app ). At no point were they prompted if the transaction was for " Friends and Family '' or if it was for " Business ''. The sender continued with the transaction and completed all the steps. We received the transaction on our end with the {$22.00} fee deducted from the transaction despite the best effort of 4 people watching the transaction occur. We went through each page that the website presented slowly and methodically. At no point did it ever ask if we needed purchase protection or that a fee would be applied. I will attach a screenshot of an example of a {$1.00} transaction that shows that no fees will be applied.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-03
Company: FIRST ADVANTAGE CORPORATION
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
On XX/XX/2018 a background check was conducted by First Advantage in the form of a First Advantage National criminal file search. In the background check it list one of my charges as quote XXXX threats with intent to XXXX  another. The actual charge should be XXXX threats with intent to XXXX another.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04
Company: AMERICAN EXPRESS COMPANY
State: CA
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:
American Express is restarting the reporting clock on an account in my name unlawfully. American Express canceled said account in XXXX of XXXX after not receiving a payment since XXXX of XXXX. They charged off this account in XXXX, but they re-reported it as a charge off in XXXX of XXXX and that has restarted the reporting clock with the three credit bureaus. They acknowledge the debt is very old because in the last quarter of XXXX, they began sending letters to my address stating that this account is so old that they can not legally sue me for the account that is in my name. I have not had any contact with them regarding this account in any way shape or form. I do not, nor have I acknowledged this debt belongs to me with them. I have documentation showing that they have not received any payments since XX/XX/XXXX, so therefore that started the clock for the first delinquency because they have never received any form of payment, nor have they had any communication with me since then. The amount that they are still reporting has not changed for years as well, thus also proving that they have not received any payments on this account to lead them to restart the clock as well. I do not acknowledge that this is my debt. I am solely writing this to make a complaint against American Express and to show that they are inaccurately reporting information to the three credit bureaus. I have been denied a housing loan because of this. When they started to report that this account was recently charged off, as opposed to the truth, being that it was charged off in XXXX, it made my credit score drop dramatically. I have disputed this information with the three credit bureaus and they have all stated that American Express has verified this information. I have plenty of documentation showing  that they are falsely reporting delinquency and charge off dates

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15
Company: CITIBANK, N.A.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Not my account, never received anything verifying this is a debt or its relation to me. This is a strict violation of FDCPA and FCRA.

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 2020-12-01
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
USAA will not respond to enumerations 1 and 2 of my letter dated XX/XX/2020. Several follow-ups by phone did not yield a response to my letter. Was told that USAA does not respond to letters and other times that the letter will be " escalated. '' Never heard from anyone. 

At # 1, USAA reduced my credit limit from {$20000.00} to {$2500.00}. I was not apprised of this change. Was told a letter was sent to me. I never received it. I requested a copy of the USAA letter. I never received it. Change was reported to the Credit Bureaus causing a severe drop in my credit score. 

At # 2, USAA will not provide an explanation as to why I have a Y-T-D interest of {$5.00}. I never accrued interest charges. USAA will not remove it, as it continues to appear on Statements.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XXXX, I purchased a XXXX XXXX freezer that was on sale at Lowe 's Home Centers, LLC, XXXX XXXX  XXXX XXXX, XXXX XXXX, CA XXXX. Price for the purchase of XXXX XXXX XXXX XXXX was {$710.00}. Price included discount and taxes. Why they are advertising and selling something they do not have is very misleading advertising. Especially when they know they can't deliver when promised. 

I was told at time of purchase that item was not in stock and would be delivered XX/XX/XXXX. That date was okay with me and I completed purchase. My Lowe 's credit card was charged the {$710.00} on XX/XX/XXXX and interest began to accrue. 

Lowe 's has much to learn from other companies that you shouldn't charge a person for something they have not shipped/delivered. I questioned them on this and got the response from Lowes, " company policy ''. Should be illegal to do this in my opinion especially if they know they don't even have it to sell. Not wanting to pay interest on a purchase I had not received yet, I paid the credit card statement balance in full, {$710.00}, before it was even due. 

On XX/XX/XXXX I contacted Lowe 's to confirm shipment was going to be made on XX/XX/XXXX. They told me that no, it was delayed till beginning of XXXX. Contacted Lowes again at beginning of XXXX and told no, now not getting until XXXX. Needless to say, enough was enough, I went to Lowe 's XX/XX/XXXX for a refund. 

I received a " refund '' receipt XX/XX/XXXX for the {$710.00} and it was as a credit to my Lowe 's card. I was told and they wrote on the back of the receipt, " Check will come in 2-3 weeks from credit center. '' I received no apology from anyone for my troubles. They get free use of my money for two months. What a scam. The least they could is say thank you. 

To top if off, I checked their website today, XX/XX/XXXX, and the exact same model is on sale again. When will they deliver XXXX? Yes, they do have a disclaimer that due to Covid their may be delays, but come on, be specific and say EXTREME delays. This is a scam to me and I can imagine how many people are being mislead on not only this item but probably others by Lowe 's.

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 2020-07-06
Company: EQUIFAX, INC.
State: MD
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 been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back to high or I am ineligible. When I ask why I get told that it could be that my credit history is not to good. I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them from my report. XXXX  XXXX {$4500.00} XXXX XXXX {$20000.00} XXXX  XXXX {$1000.00} XXXX XXXX XXXX XXXX {$300.00} XXXX XXXX XXXX  XXXX {$260.00} XXXX XXXX   XXXX {$300.00} XXXX  XXXX {$620.00} XXXX XXXX {$1200.00} XXXX  XXXX {$490.00} XXXX/XXXX   XXXX {$400.00} XXXX  XXXX {$300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: Commonwealth Financial Systems, Inc.
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

Company response to consumer: Closed with explanation