BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-22
Company: Experian Information Solutions Inc.
State: NE
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:
sent XX/XX/2020 payment was paid and was not updated

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 2020-09-11
Company: STERLING JEWELERS, INC.
State: ID
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I received a voicemail on XX/XX/2020 at XXXX XXXX  ( I was at work so, I stepped outside at XXXX XXXX  on XX/XX/2020 ). I spoke with XXXX XXXX at XXXX XXXX XXXX XXXX. I set up and paid the first installment of a 10 month payment plan. Once I got home after XXXX XXXX, my brother handed me a written message that XXXX XXXX had called and stated that he was attempting to get ahold of me in regards to 2 clients that had claims against. When I spoke to XXXX XXXX, he had mentioned only 1 client and that's the one I made arrangements to pay. The claim number I was given by XXXX and the one my  brother had written down were the same, but the phone numbers were different. The phone number I was given is XXXX ext XXXX, the number my brother was given XXXX ext XXXX. There never has been any authorization for anybody to speak about debt but me and I do not know how XXXX XXXX had gotten my brother 's phone number. I am very upset with the way this was handled with XXXX XXXX and I am thinking of getting an attorney involved, that was a full violation to my privacy.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-26
Company: Santander Consumer USA Holdings Inc.
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I XXXX XXXX, have always believed in personal responsibility in maintaining an excellent credit history. However, in fiscal years XXXX and XXXX I faced multiple XXXX  issues that basically kept me out of work. I always thought that I was making my credit card and auto payments within the 30-day grace period. Some of these payments may have been paid near the end of the 30-day grace period and werent posted until the next billing cycle. As a professional courtesy, I respectfully request an audited review of my payment history to see if any of the posted 30-day late payment histories can be deleted, or if I can be given a reasonable pardon for any indiscretions and have the prior payment history deleted altogether. I will maintain my payments professionally until the full term of the loan is over. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-18
Company: Phoenix Financial Services LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
From XXXX, a company called Phoenix Financial Services submitted a collections notice on my credit report. I have no knowledge of this company or why they think I owe them anything. I disputed the collection attempt, but somehow it came back as verified debt. By whom? This is not a debt for me. I have no knowledge of them, or any reason as to why they are trying say I owe them anything.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Public record information inaccurate

Complaint:
XXXX REFUSES TO INVESTIGATE MY PUBLIC RECORD XXXX XXXX AND XXXX  HAVE NO RECORDS OF ME EVER HAVING A COURT FILED XXXX XXXX THIS FILING WAS MADE IN ERROR AND WITHDRAWN CASE NUMBER 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 2023-03-05
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
XXXX XXXX Reported : XXXX XXXX, XXXXXXXX XXXX XXXX Reported : XXXX XXXX, 2023, XXXX XXXX  XXXX Reported : XXXX XXXX, 2023, 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 a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven 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 response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX and XXXX XXXX added a collections to my credit reports on XX/XX/2023. The original creditor supposedly XXXX XXXX. I have tried to explain to the collection company that this is not my debt. They sent me " validation paperwork '' and I explained to them that it was not my address, email address or bank account on the paperwork. That my mail box was broken into several times and that this debt is not mine. I then filed a dispute with the credit bureaus and the credit bureaus said that the collection agency validated the debt, but how could they when the information is not mine?? I have attached what the collection agency sent and it is not my information. The credit bureau is incorrect in keeping this on my credit report because as I explained to them that it is not my address, email address or bank account. This is not okay because I have now been denied a home repair loan and will be fined by my XXXX. This debt could not have been validated by XXXX and XXXX because it is not my debt and does not match my information.

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 2020-09-11
Company: Santander Consumer USA Holdings Inc.
State: AZ
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 contacted Santander around XXXX XXXX of XXXX  time frame and explained I was having a Hardship with a serious health condition. The agent said that my credit reporting would be changed to reflect me being current for XXXX and XXXX and they would add those payments to the end of my contract. I recently applied for a mortgage and found the that did not take place,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: EQUIFAX, INC.
State: AZ
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 am pleased to see some improvements on my report and some of the item which I have disputed was removed. However, I have still remaining inquiry on my report which is unauthorized and was resulted from identity theft. I am pleading for your help to remove this remaining item found on my report. Per FCRA section 605b, the credit bureaus are required to remove/block any item listed on an identity theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted on my report. 
INQUIRY : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: Southwest Credit Systems, L.P.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Today, on XX/XX/2023, I was Notified of a drop in my score on experian by XXXX points. I went to check it out because I pay very close attention to my reports. Checked XXXX and saw the same result. In addition to checking my reports regularly I havent received any mail in quite a few years regarding a validation of debt from a debt collector. The name of the company is southwest credit systems based out of Texas and they are in violation of CFPBs debt collection rule and are not abiding by the provisions of the FDCPA. I was never notified of this particular debt nor given the time to verify its validity. I was never spoken to in person, by phone, by us mail or electronic mail regarding this debt. I have been working on increasing my XXXX XXXX and diversifying my profile extensively and know better than to ignore the Initial letter. Placing a collection on my reports and dropping my score dramatically before going through the proper channels is an unfair practicing act on behalf of southwest credit systems. I would like this detrimental inaccurate information removed from my report immediately. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-18
Company: CL Holdings LLC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a notification of a Collection Account on my credit report by Jefferson Capital Systems , LLC for {$340.00} this year from XXXX XXXX. I have not had a XXXX XXXX account for years, however as soon as I received that notification, I contacted the CEO 's office at XXXX XXXX. I told them that I did not owe this amount, that it consisted of charges that I never agreed to and that I had repeatedly told them that it was incorrect. The person I spoke with at the CEO 's office said 'Just a minute, I think I have a copy of your contract ' and then she got back on the phone and stated that there was no contract proving that I owed this amount. Therefore, I disputed this with the three Credit Reporting Bureaus ( XXXX, XXXX and XXXX  ) online and I stated that these were Fraudulent Charges and that I wanted to see a Signed Contract and for the Debt to be Validated and Verified, and that if that could not be done that it should be removed from my credit report immediately. All that happened is that I heard back from the Credit Bureaus, online, with nothing in writing and nothing by mail, that Jefferson Capital had responded that the information was correct. I want to see a Signed Contract, and I want the Debt to be Verified and Validated, or for this collection account to be removed from my credit report with all three Credit Bureaus. I am XXXX years old and my only source of income is Social Security XXXX for XXXX XXXX and other Health Issues and this is exacerbating my XXXX and is harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-03
Company: CREDIT ACCEPTANCE CORPORATION
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Have disputed this account multiple times. XXXX  has deleted it for inaccurate reporting. XXXX  and XXXX  comes back saying account verified. And since that's not what I'm disputing, it tells me they are using EOscar  system and not a full investigation, which is a violation of my rights under FCRA. Screenshots from my report show multiple inaccurate reporting items. Date of last activity, last updated, account type, ect. It's reporting as currently later with XXXX  as if its still open.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: Experian Information Solutions Inc.
State: NY
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 believe i was subject to identity theft, there are accounts on my credit report that i do not recognize. These accounts do not belong to me. 

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 2023-02-22
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
Hi i have reviewed my credit report and i see Equifax is reporting unauthorized inquires. 
The below list of inquires were not made by me and i did not authorize any of the following companies to review my credit file XX/XX/XXXX XXXX XX/XX/XXXX GA XXXX XXXXXXXX XX/XX/XXXX FCC/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Public record information inaccurate

Complaint:
XXXX sold this information to the credit bureaus, Reporting public records when courts itself do not furnish any of this information! This is illegal so remove it or verify it with the court system. If no proof found, therefore it must be deleted. 

Chapter XXXX Bankruptcy Reference # : 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 2020-09-11
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/XXXX, Citibank subtracted from my account {$2500.00}. The entry on by Citibank statement stated : " Return of Unpaid Deposited Check. '' I complained to Citibank that I did not have any {$2500.00} credit for check deposited into my account so how can this mysterious check be returned as " unpaid. '' Citibank provided me with a copy of an {$2500.00} check # XXXX dated XX/XX/XXXX drawn on an account of someone by the name " XXXX XXXX XXXX XXXX. '' The main point is that said check # XXXX does NOT appear as " deposited '' nor is there a {$2500.00} credit into my Citibank account at any time prior to XX/XX/XXXX. 

Since there was never a " credit '' of {$2500.00} into my account, the {$2500.00} subtracted on XX/XX/XXXX was my money alone and not Citibank 's money. 

Citibank continues to focus on some mysterious bounced check # XXXX, which check # XXXX may in fact have bounced in someone else 's account. However, since this check was never deposited into my bank account, how can Citibank remove my money to cover this check. 

My pleas to return my own money to me have been denied by Citibank

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 2020-09-11
Company: Bread Financial Holdings, Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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:
I see multiple 30-120 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX   XXXX    issued a letter stating they would not remove the account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-10
Company: Diversified Adjustment Service, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Im getting a collection report of {$37.00} with XXXX through a collection company named diversity adjustment. I cleared that account about two years ago I have never received any letter or claim. I dont have any evidence that I owe that money and is already in my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-18
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/XXXX I got a New car from the Nissan dealership. I had a lease that I turned in at the same time ( did a trade in ). Everything went well and I made my payments like usual. On XX/XX/XXXX I noticed that my credit score went down abruptly, when I Investigated I noticed that I had a late payment with Nissan-XXXX LT which I have financed my cars for the last 6 years. I inquire with them and they explained that the payment was misapplied to the old lease and not to the new one. My credit score went up and I let matters alone. Now XX/XX/XXXX I am trying to re-finance my property and I am unable to do so since a late payment is showing on my credit report. I should not be hit for a mistake I did not commit, I have made all my payments on time and this should not be my responsibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX  Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.

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 2023-02-06
Company: WELLS FARGO & COMPANY
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Multiple overdraft fees of things processed on the same day. XX/XX/XXXX ( XXXX ), XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX {$35.00} was charged for each of these dates.

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 2018-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
A collection company, XXXX XXXX is showing opened account date of XX/XX/2018. This is not correct as that is the date the debt was purchased from XXXX XXXX XXXX XXXX XXXX. Additionally the amount is incorrect. I have requested this be corrected but it has not.

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