BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-25
Company: Colony Brands, Inc.
State: KY
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:
Unauthorized credit Inquiries listed on XXXX. 
XXXX refuses to remove the unauthorized Inquiries. 
Told me I have to contact them to remove them. 
I'm a victim of identity theft due to XXXX data hack My information was compromised Someone is using my identity.

Company response to consumer: Untimely response
Consumer complaint received 2023-03-09
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:
This is my 3rd 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$270.00} XXXX XXXX Balance : {$190.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  TX ) XXXX Balance : {$3800.00} XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$480.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$110.00}

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 2023-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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

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 2022-10-06
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I have noticed many inaccuracies on my credit report. On XX/XX/2022 I check my credit and found the account with XXXX financial # XXXX to be reporting incorrectly on my credit. 

I am not disputing the validity of the account however I am reporting inaccuracies on all three credit bureaus. The disputes were sent out on XX/XX/2022 stating the inaccuracies on my credit report. 

On XX/XX/2022 I received a response from XXXX stating the investigation was completed and the account was updated. 

Upon reviewing my credit on XX/XX/2022 I notice that XXXX never investigated my disputes. DATE OF LAST ACTIVITY, HIGH CREDIT and COMMENTS are still reporting inaccurate and inconsistent. 

I did not receive any response from Experian or XXXX. 

I have attached my initial disputes, the credit reports with all the inaccuracies, the investigation completed by XXXX and an up-to-date credit report showing the inconsistent and inaccurate information. 

Please remove this account from 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 2020-07-01
Company: Amsher Collection Services, Inc.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
this showed up on XXXX XXXX and I want it removed-this has nothing to do with me Amsher Collection Se Opened XX/XX/2020 {$53.00} Original creditor : XXXX XXXX XXXX Overview You have 100 % left to pay on this collection. 
Balance {$53.00} Highest Balance {$53.00} Opened XX/XX/2020 ( 4 mos ) Account status Open Type -- Responsibility Individual Remarks -- Original Creditor Name XXXX XXXX XXXX See an error? 
You could dispute an error with XXXX. 

GO TO XXXX Creditor Information AMSHER COLLECTION SE XXXX XXXX XXXX XXXX, AL XXXX ( 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 2023-02-20
Company: TRUIST FINANCIAL CORPORATION
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I opened a Business line of credit back in XXXX while I was employed at BB & T. The line of Credit agreement states that this line was only active for 3 years and then it matured and I would have to renew if I wanted the line still. I left Truist ( BB & T ) as an employee in XXXX because I did not agree with some of the things I saw happening to not only employees but also the customers. This line of credit matured XX/XX/XXXX. It had {$100.00} annual fee that was supposed to be charged at origination and every anniversary until maturity as it states in the loan agreement. At maturity Truist decided to charge me another {$100.00} annual fee but the line of credit was already closed. I spent over 43 hours on the phone and in branches trying to resolve this while getting hung up on numerous of times, promised calls back that never happened. I filed a complaint with the CFPB and that is when I got Truist 's attention. A lady out of GA reached out to handle the complaint. She left a response stating that I was still responsible for the annual fee that they assessed after maturity. So I was being charged 4 annual fees on a 3 year line of credit. What is not seen in her response is that she called me afterwards to say that she agreed that I should not have been charged the {$100.00} fee with the line of credit being closed. She sent out a check for the {$100.00} in the mail to me. Fast forward to XXXX. The line of credit has been closed out for over a year now. I just received a letter in the mail stating that Truist has charged yet another {$100.00} annual fee on this closed out line of credit. It also shows again that there is {$0.00} available balance. So they are charging me an annual fee on a closed line of credit that I can not even access. Sounds like XXXX XXXX XXXX all over. This is the definition of unfair and deceptive lending practices. I called into Truist and spent over 3 hours on the phone over the last several days trying to get this fixed, again. I was told supervisors were going to call me. I have been hung up on 3 times so far. I was told I need to drive to a branch to fix this but the branch says they can only refund fees up to {$75.00}. I shouldn't have to drive anywhere and waste anymore of my time. I am sending my story out to a few different attorneys that specialize in class action law suits against financial institutions. If anyone else has experienced the same issue where the bank is charging you fees on a closed loan product you should reach out to an attorney as well. Truist should be held accountable for these deceptive lending practices. Truist should change their name to I which is the only thing they stand for, themselves. There is clearly no more Trust in Truist anymore.

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 2018-06-21
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Portfolio Recovery is trying to collect on an account that does not exist. I am no longer responsible for an account with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28
Company: ERC
State: MI
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:
After checking my credit report in XX/XX/XXXX, I noticed items on my credit report that did not belong to me. I tried disputing with the creditor multiple times in XXXX and now in XXXX to make them aware of the inaccurate information and advise them of what I noticed on my reports. I was able to get in contact with XXXX, XXXX, and XXXX to place a fraud alert on my credit report to be cautious. I have never had a contract with ERC - I am not liable for the collection of the debt from XXXX as this is not mine. I have been disputing this inaccurate information since I was made aware via my credit report and they have not removed this information from my credit file. This has hurt me severely in regards to obtaining credit. ERC states that they have validated the debt, however, I never received a copy of the original creditors contract with my signature on it. I never had an account with XXXX and the debt is not my. This is fraud and against the law to keep this on my credit report. My credit report states that this was paid after the account was placed for collection - I have never paid an account with ERC/XXXX. This is negatively impacting my file. I have been disputing this for a while now and this has hindered my credit file tremendously.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: EQUIFAX, INC.
State: AR
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$320.00} ; XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$680.00} ; XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$280.00} XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX XXXX  Balance {$18000.00} Opened XXXX XXXX, XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX Balance {$61.00} ; XXXX XXXX XXXX  Opened XXXX XXXX, XXXX Balance {$250.00} ; XXXX XXXX XXXX Opened XXXX XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX  Opened XXXX. XXXX, XXXX Balance {$700.00} ; XXXX XXXXXXXX XXXX Opened XXXX XXXX, XXXX Balance {$370.00} ; XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$1200.00} ; XXXXXXXX XXXX Opened XXXX XXXX, XXXX Balance {$18000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24
Company: EQUIFAX, INC.
State: MS
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 


XXXX/XXXX XXXX ; XXXX/XXXX XXXX ; XXXX/XXXX XXXX ; XXXX/XXXX XXXX XXXX XXXX  XXXX ; XXXX  XXXX ; XXXX XXXX ; XXXX/XXXX XXXX and XXXX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
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 belongs to someone else

Complaint:
This is my 2nd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX XXXX XXXX XXXX XXXX Balance : {$840.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$100.00} XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX : {$0.00} XXXX XXXXXXXX XXXX XXXX : {$510.00} XXXX XXXX XXXX XXXX Balance : {$840.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$100.00} XXXX XXXX Balance : {$25000.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$50.00} XXXX XXXX  XXXX Balance : {$20.00} XXXX XXXX XXXX XXXX Balance : {$840.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$1900.00} XXXX XXXX XXXX Balance : {$100.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$50.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2023-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XX/XX/2020

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 2020-05-12
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I have a total of XXXX student loan with Navient. They have talked me into forbearance multiple times over the past 10 years causing interest to continue to accrue in my loan which is now {$200000.00}. My loan amount is now double XXXX being principle and XXXX being interest that just continues to grow month after month. The interest on my XXXX loan accrues at the rate of {$1100.00} per month and they continue to increase the amount owed to my credit reports ruining my credit. I will never be able to afford to pay {$1100.00} a month interest plus try to pay towards the principle. The higher the loan grows because of interest. The higher the interest will accrue monthly.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-01
Company: AMERICAN EXPRESS COMPANY
State: TN
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:
Last year we after clicking on an ad about a work from home opportunity we didnt realize that we were being sucked into an online business scam costing us now over {$16000.00}. It started with a simple {$97.00} fee claiming that we would begin making money immediately. That has not been the case, we have been strung along charged more and more money all for nothing. These companies should not be allowed to take credit cards and we want these charges immediately disputed and returned to us. They have not performed and deceptively took our payments under false and misleading pretenses. While American Express says we only have 60 days to raise a claim we have found information online that says otherwise. We would like to see the following charges refunded. Thank you. 

XX/XX/XXXX {$6400.00} by XXXX, XXXX XX/XX/XXXX {$6500.00} by XXXX XXXX  {$20.00} recurring monthly XX/XX/XXXX {$2500.00} by XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24
Company: McCarthy, Burgess & Wolff, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In beginning of XX/XX/XXXX XXXX XXXX received a bill from XXXX on {$4100.00} for services we never ordered and never received. We promptly called XXXX. Per their request we filed an identity theft claim by police and attached it to our official claim on their site. 
On XX/XX/XXXX we received by email a notice that our claim # XXXX was received. 
When another bill came in, we called the number ( XXXX ) mentioned on the emailed notice. It was a wrong number. After hours of pressing buttons etc., someone agreed to take the claim number and settle the matter. 
The bills continued to come. 
On XX/XX/XXXX a letter was send to us from a dept collector XXXX XXXXXXXX XXXX. on behalf of XXXX. We mailed them back an explanatory letter with a copy of the police report and XXXX XXXX notice that our claim was received. Never heard from them again. 
On XX/XX/XXXX and on XX/XX/XXXX two letters were sent to us from another dept collector, McCarthy, Burgess & Wolff where the " dept '' grew to {$10000.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: Experian Information Solutions Inc.
State: NY
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:
Despite the multiple previous written requests, the unverified item ( s ) listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

Section 616 and Section 617 provide me with remedy which Im about to seek. You are willful noncomplying with the FCRA.

Since you claim youve verified the account ( s ) listed below I wanted to confirm my thoughts and contacted the companies directly. Not one of them provided me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please remove the following account, or inaccurate information, from my file immediately & send me the results to the address listed below XXXX XXXX  XXXX Date Opened : XX/XX/2018 Balance : {$14000.00}.

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