BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-10
Company: Experian Information Solutions Inc.
State: CA
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 reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the account 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 2021-07-12
Company: GUARANTEED RATE INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have requested pre-approval letter for my mortgage. I have permitted my lender to run credit inquiry for that and he ( Guaranteed Rate ) ran credit one time on XX/XX/2021 ( Factual Data ). But on my report one more inquiry shown on XX/XX/2021 which I did not authorized and it was failed somehow. So, I tried to contact all three bureau XXXX, XXXX  and XXXX. I only got response from XXXX  but I am not satisfied with their answer. However, I did not get response from other two reporting agency and its hard to reach them and also they don't provide service online as XXXX  provide. 

So, my ultimate goal is to remove unnecessary wrong inquiry from XX/XX/2021 and keep from XX/XX/2021 which is valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05
Company: Bread Financial Holdings, Inc.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On XX/XX/19 Comentiy Bank called a relative of mine in Arizona, from XXXX XXXX. I have complained before about them calling relatives/friends and was told they would contact me directly and closed the complaint. They continue to call relatives repeatedly discussing my financial situation with them. They also continue to call out of state relatives.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-01
Company: KEYCORP
State: NY
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
From the Desk of XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, XXXX, NY XXXX XXXX XXXX XX/XX/2019 Consumer Financial Protection Bureau Complaint Department To Whom it may Concern : I have written you previously, on XX/XX/2019, because our company, XXXX XXXX XXXX XXXX, and myself, XXXX XXXX XXXX, XXXX XXXX, at the address XXXX XXXX XXXX XXXX, NY XXXX, received several Demand For Payment letters from Key Bank, headquartered in XXXX, OH. This was for loan # XXXX, made in the name XXXX XXXX XXXX XXXX At the time, Key Bank supplied no supporting documents relating to this loan. 

Thanks to letters to agencies such as yours, and the XXXX XXXX XXXX, Key Bank supplied the supporting documents that showed that our then-current obligation of {$4600.00} was owed to Key Bank because Key Bank had purchased a mortgage loan we had made with another bank.

Key Bank sent us another loan statement in the amount of {$4700.00}, which we received on XX/XX/2019 ( Exhibit A ). We paid this statement off with a check for {$4800.00}, on XX/XX/2019. That check cleared on XX/XX/2019 ( Exhibit B ).

Key Bank has since sent us another payment demand, which we received on XX/XX/2019, for the amount {$4700.00} ( Exhibit C ).

In separate telephone calls on Friday, XX/XX/2019, our company bookkeeper, XXXX XXXX, and our company CFO, XXXX XXXX, tried to tell Key Bank representatives that the statement had been paid off. No Key Bank representative would take any action on these notices, saying that Ms. XXXX and Ms. XXXX are not listed on the account. 

I would call Key Bank myself, but I am severely hearing-disabled. Telephone customer service with recorded prompts, and when one finally reaches a live representative numerous questions by which I have to identify myself, are a torture to me.

I feel, as a hearing-impaired person, that I am being made a victim by Key Bank. It is a disgrace that a Key Bank representative can not talk to one of my representatives to confirm a simple matter such as a check payment, and to perhaps place a note on the account that payment is made. It is a disgrace that no note can be made of the fact that I am hearing-impaired, and that any identifying questions should be reduced to a simple password identification. 

Please do something to stop this particular annoyance, which is the latest in trouble over this loan from Key Bank Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: Mercedes Benz Financial Services
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:
I opened a fraud case against XXXX XXXX for 2 accounts that are still showing open on my credit report. Case number XXXX. 
My last update on this case was XXXX which is over the alotted time provided. I need remedy on this case as this is preventing me from utilizing my credit. XXXX XXXX is operating fradulently as they have wrote the account off as a charge off, however, still reporting it on my credit report. I need this off of my credit report immediately or I will have to file a civil suit in my area and XXXX will to answer to why they are violating my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
THE FOLLOWING NEGATIVE ACCOUNT HAS BEEN REALLY AFFECTING ME TOWARDS ACHIEVING GOALS IN WHICH I NEED TO PURSUE : XXXX XXXX, THIS ACCOUNT SHOWS AS IF IT'S 30 DAYS LATE AND WITH NO BALANCE. PLEASE PROVIDE ME WITH A GOOD REASON AS TO WHY THIS ACCOUNT IS STILL REFLECTING NEGATIVELY ON MY REPORT. IT HAS BEEN MORE THAN FIVE TIMES NOW THAT I HAVE TRIED TO RESOLVE THIS ISSUE AND NOTHING IS BEING DONE. PLEASE REMOVE THIS ACCOUNT BECAUSE IT IS NOT VERIFIED NOR DOES IT PROVIDE US WITH ACCURATE INFORMATION IN WHICH WOULD DISPLAY ON MY REPORT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-24
Company: Convergent Resources, Inc.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have received no communication on this debt whatsoever. This debt has been paid twice. It was discharged in my bankruptcy and was also paid off again 2 years ago, which I had to do to be a current XXXX account holder. I am requesting this company validate this false debt and remove it off my credit report until it is proved valid. I have disputed this debt with 3 different companies and no one has been able to validate it, since its not owed.

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 2021-04-28
Company: EQUIFAX, INC.
State: NC
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 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60  days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 (  a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: EQUIFAX, 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 NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NM
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I reported the unauthorized withdrawals or money that was spent and shown in the transactions to my bank, Bank of America. I opened that account in XX/XX/2018 and there have been various amounts from XX/XX/2018 to the present. It's very stressful, sometimes it's only {$3.00} at a time or recently there was a charge to a night club that was about {$30.00}. They're very random and the amounts are odd so I really have to scrutinize to catch it. It was the same when I used 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 2021-05-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Hello Team, On XX/XX/2021 my credit card was charged by XXXX  XXXX PA for {$130.00} That time I was in the line with my wife and daughter, I could not make that transaction. 
Reported a fraud to Bank of America, and received denial. 
During fraud review process I have received a proof, that a merchant I bought something before was hacked and my credit card details were stolen. 
That company is XXXX ( transaction date XX/XX/2021 ), they are serviced by XXXX. 
Which in turn confirmed a breach from XX/XX/2021, till XX/XX/2021. 
XXXX wrote that they notified me, the merchant, law enforcement, and the bank. 

When I called the bank a third time they said the only thing they have is a receipt of a transaction from ticketleap. When I asked to check those reports from XXXX, they said there is nothing. I just XXXX  and found tons of evidence. 

I truly believe Bank of America is not doing any investigation, they are not even tried to find a root cause, and the only thing they do is to deny it. I have another case opened, which was denied as well, but I didn't have any proof. 

BoA answer and XXXX report are attached.

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 monetary relief
Consumer complaint received 2023-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
In reference to my trans union credit report, my employers need to be updated to only the employers as stated here : XXXX ) XXXX XXXX and XXXX ) XXXX XXXX XXXX. All other employers can be deleted.

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 2019-09-05
Company: Account Recovery Services, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
ACCOUNT RECOVERY SERVICE XXXX {$450.00} I was a victim of fraud and have attached the document from a ID thief case I have never done any business with ARS or XXXX   XXXX  XXXX. Please delete this account from my credit report. This can be done by submitting a UDF form to all 3 credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-02
Company: Sentry Credit, Inc.
State: KY
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I DO NOT HAVE A CONTRACT WITH SENTRY CREDIT NOR DO I HAVE ANY CONTRACTS WITH XXXX XXXX. Show me a contract bearing my signature as validation and competent evidence that I have some contractual obligation to pay you!

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 2019-06-01
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received several notices in the mail from Portfolio Recovery about an alleged debt in the amount of {$710.00}. I responded by sending multiple certified letters asking them to validate the alleged debt. In response, they have sent me a bill from XXXX XXXX on two separate occasions. I followed up by calling Portfolio Recovery and notifying them that a bill does not equate to debt validation. I was rudely spoken to and told to either pay the collection or let it be. This is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2023-01-10
Company: Amsher Collection Services, Inc.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I, XXXX XXXX, am writing to express my concern about the actions of AMSHERCOLLECTIONSERVICES. It has come to my attention that the company has been illegally reporting on my account, and I am requesting that all communication regarding this matter ceases immediately. I do not give AMSHERCOLLECTIONSERVICES permission to communicate with me regarding any alleged debts, as stipulated in 15 U.S.C. 1692c ( a ). The negative reporting on my credit report is defamation of character, and I have the right to seek actual damages according to 15 U.S.C. 1692k ( a ) ( 1 ). This negative reporting has caused me to be unable to secure a new car, and I believe that AMSHERCOLLECTIONSERVICES is engaging in extortion by reporting on my credit for this alleged debt.

I am requesting that AMSHERCOLLECTIONSERVICES remove its reporting on my credit immediately, or I will fully exercise my rights as a federally protected consumer and seek legal remedies. I will be sending a letter via certified mail to confirm this request. To avoid any misunderstandings, I have included references to the relevant laws for your convenience. I hope that this matter can be resolved quickly and amicably.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-15
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I ordered a knife from XXXX XXXX XXXX, XXXX XXXX WI and used my XXXX XXXX CREDIT CARD to pay the {$13.00}. XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. XXXX XXXX, TX XXXX, keeps billing me for {$13.00} each and every month. I have called XXXX XXXX at XXXX and voiced my concern and they said they would take care of the matter. Now I received a letter demanding {$26.00} that I do not owe. XXXX XXXX is threatening to diminish my almost perfect credit record. 
I have never missed a payment with XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Calls for multiple numbers from different area codes. They never identify themselves until you asked them in the middle of the call. I communicated with them through via certified mail in XX/XX/XXXX XX/XX/XXXX of 2020. They called me instead of written form of communication. I never got a reply back from my certified letters. I sent two certified letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' ... Please verify and remove the inaccurate accounts below. 

I've already disputed these items, but they did not remove them nor prove validation. 
XXXX XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXXXXXX 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 2022-07-25
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX  # 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 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 as 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 non-monetary relief
Consumer complaint received 2021-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Transunion. 

1. Company Name : XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 2. Company Name : XXXX XXXX  Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 3. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 4. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 5. Company Name : XXXX  XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 6. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 7. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 8. Company Name : XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 9. Company Name : DEPT OF ED Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 10. Company Name : XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 11. Company Name : DEPT OF ED Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 12. Company Name : XXXX  XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft

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