BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-16
Company: Experian Information Solutions Inc.
State: PA
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 is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXXXXXX XXXX  XXXX XXXX XXXX ) XXXX XXXX XXXXXXXX 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 2020-09-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Bank of America employee Manager XXXX and XXXX told me the took the XXXX vacation charges off my credit card Because I told them I did not makes these charges The manager from Bank of America XXXX and XXXX Started playing games When I look at my credit report I saw a bill on my Credit report from Bank of America for XXXX I was told by XXXX and XXXX that it was removed Because on XX/XX/2019 I gave a XXXX XXXX register newspaper employee my Bank of America credit at the  kiosk at XXXX department store in the XXXX mall the XXXX XXXX XXXX employee ask for my email I gave him a XXXX email And I ordered the XXXX XXXX XXXX special The employee gave me A {$20.00} birthday gift card He told me that was what the manager at the XXXX XXXX XXXX told him to give to people who sign-up for the newspaper However a few weeks later I got the wrong newspaper it was the XXXX XXXX I call the XXXX XXXX XXXX customer service department and the employee told me I ordered the XXXX XXXX  and I used a gmail email Inform the customer service that their employee fraudulent charge the XXXX XXXX  on my credit card And he also back dated my credit card bill to XXXX XXXX I return the {$20.00} birthday gift card to XXXX XXXX XXXX manager by certified letter I canceled all my credit cards with Bank of America

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 2023-08-07
Company: Express Collections, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
the orginally debt was with smales sales and lease started XX/XX/XXXX for total XXXX smale sales and lease removed the negative enrty from my XXXX credt report on XX/XX/XXXX. 
on sunday XXXX express collection was added to my XXXX  credit report with the incorrect balance, incorrect balance date, inccrect orignal balance incorrect date opened and incorrect payment history

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
Hello, I have XXXX XXXX XXXX accounts on my credit report that are reporting inaccurate information on my credit report. I have contacted XXXX XXXX XXXX and the 3 credit bureaus. 

I found XXXX different XXXX XXXX accounts with the same account numbers. 

Different account balances across the XXXX credit bureau 's. XXXX XXXX XXXX XXXX XXXX with account credit limits of XXXX and XXXX being reported. 

Since discovering these inaccuracies I wrote XXXX XXXX XXXX and the 3 credit bureau 's . I asked for original contracts and deletions. In return I received information stating everything is correct. A statement and letter saying everything is verified. 

I have been sending letters since XX/XX/2022. I never received anything with my signature only letters that came after 30 days. 

I disputed the information and in the remarks on my credit report it states that its resolved when it is 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 non-monetary relief
Consumer complaint received 2020-02-14
Company: Source Receivables Management LLC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Before Source Receivable Management bought this account, I had disputed this account with two other collection agencies. Both XXXX XXXX and XXXX XXXX agreed to stop collection on this account due to unverifiable documents. I ask Source Receivable Management for supporting documents that state that this account belongs to me and if it is accurate and nothing has be received. I disputed on line and also in writing. They have reported to the bureaus that the account has been verified but no documentation has been presented. How can they verify if two other companies could not?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03
Company: Freedom Mortgage Company
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In late 2022 I had a insurance loss on my home. Repairs were completed in XX/XX/XXXX. Since then I have gotten nothing but the run around regarding the XXXX that Freedom Mortgage is holding. My insurance company named them on the check and trying to get the check returned has been impossible. No one from management returns a call, no one knows what's going on and it's nothing but continued excuses. Meanwhile I have had to take money from my savings to pay the repair company to avoid being sued for non payment. This has caused undue financial hardship and stress. Is absolutely unacceptable.

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 2022-02-16
Company: National Credit Adjusters, LLC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with XXXX, XXXX, in accordance with basel XXXX  accord and U.N.C.I.T.R.A.L Conventions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-30
Company: Colony Brands, 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: Information belongs to someone else

Complaint:
I was a victim of identity theft, and I have submitted my identity theft report. These accounts don't belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18
Company: CREDIT BUREAU ASSOCIATES-NORTHEAST, INC.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Credit Bureau Associates NE for the amount of {$11000.00}, I have sent Credit Bureau Associates NE a Debt Validation and they have not responded. I have no knowledge of this alledged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Equifax refusing to remove fraudulent inquiries from several creditors although creditors have submitted them as fraud. Fraudulent inquiries areas follow : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX 2018

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-26
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I am writing to delete the following information on my credit report. The items I need removed are listed in the report I am a victim of identity theft and did not make the charge, I asked that the items are deleted to correct my report. I reported the theft Of my identity to the federal trade commission and I also have enclosed copies of the federal trade commission identity theft affidavit. I would appreciate it if you delete it these items promptly as it is hindering me. I am trying to advance in my life by getting a house in car to provide for me in my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
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: Their investigation did not fix an error on your report

Complaint:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX late open XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 explanation
Consumer complaint received 2020-09-21
Company: Durango Credit and Collection Company, Inc.
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Durango Credit & Collections is attempting to collect a debt to XXXX XXXX XXXX XXXX both located in XXXX, Colorado. I am not and have not been a patient at XXXX XXXX   XXXX XXXX. They refuse to remove the debt from their collection account as well as my XXXX  Credit Bureau account. This is not my debt as I have never been a patient of this clinic.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18
Company: CREDIT ACCEPTANCE CORPORATION
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
PLEASE EXCUSE THE CAPS MY VISION IS POOR. BETWEEN THE MONTHE OF XX/XX/XXXX-XX/XX/XXXX. I RECIEVED A FORM FROM THE IRS STATION THAT I HAD TO FILE A CANCELLATION OF DEBT WITH THE CREDITOR. THE FORM WAS FILED, A XXXX FORM, BY XXXX XXXX FOR ME. WHEN THE EXAMINER COMPLETED THE FORM, THE CREDITOR OWED ME XXXX OUT OF THE REMAINING BALANCE. A CHECK OF XXXX WAS SENT TO ME FROM THE IRS, 6 TO 8 WEEKS AFTER THE FILING OF THE XXXX. THE AMOUNT CANCELLED WAS THE AMOUNT THAT IS SHOWN ON MY CREDIT REPORT. I FILED A DISPUTE WITH XXXX, AND INSTEAD OF THE PROBLEM BEING CORRECTED, ANOTHER BALANCE WAS ADDED AND MY SCORE WENT DOWN. FORM THE SAME CREDITOR!. SO NOW I THINK I AM EXPERIENCEING SOME SORT OF FRAUD, OR AN ATTEMPT TO DEFRAUD ME ON MY REPORT, BY ADDING ANOTHE BALANCE AND DROPPING MY SCORE DOWN. THE CREDITOR SHOULD HAVE PROVIDED THE INFO ON THE CANCELLATION OF DEBT SINCE THE DECISION WAS MADE BY THEM. I DID NOT RECIEVE AN EXPLANATION I JUST DID WHAT THE IRS SAID DO.

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 2023-03-17
Company: Experian Information Solutions Inc.
State: OK
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 have noticed many incorrect and unauthorized items appeared in 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 non-monetary relief
Consumer complaint received 2020-12-06
Company: U.S. BANCORP
State: ME
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I have made a complaint concerning this already, but US Bank did not do its due diligence in investigating the matter. Specifically, no one over there seems to be able to look at the BILL PAYER side of things. If someone can actually access that portion of their system, they will immediately see that what I'm saying is true. 

To reiterate and expand upon my complaint : On XX/XX/2020, I tried to send {$250.00} to a specific credit card I have with XXXX XXXX XXXX. When I clicked to complete the transaction, I got a message saying it failed. I immediately tried to do it again. It failed again. That was in the very early hours of the morning ( likely between XXXX XXXX  and XXXX XXXX EST ). I planned on trying again later, but before I got the chance, {$250.00} came out of my account at XXXX XXXX  EST. I didn't authorize that. Moreover, the transaction did NOT show up on the bill payer side. I waited a number of days to see if the money would make its way to the correct destination, but it never did. I contacted XXXX XXXX  XXXX about this. They sent a letter confirming that the money is NOT in their system. 

This next part is important because it confirms this is a US Bank issue. Exactly one week later on XX/XX/2020, the BILL PAYER side of the system tried to take out {$250.00} and send it to the same credit card. Once again, the attempt failed. Nothing changed on the " Activity '' side of the US Bank card. 

The letter I previously received from US Bank says their systems indicate the amount was debited from my account, but that does NOT address the issue. I can see that it was debited. But if this transaction was done properly, then I should ALSO have a record of {$250.00} coming out on the BILL PAYER side. I don't see that. In contrast, I can match up literally every other BILL PAYER transaction with every debit under the " Activity '' side. This is the sole exception. 

Here are the reference numbers listed on the BILL PAYER side under " Payment History ''. 

XXXX - This is the FIRST reference number for XX/XX/2020. 

XXXX - This is the SECOND reference number for XX/XX/2020. 

XXXX - This is the THIRD reference number overall. It is for XX/XX/2020. I did not attempt this. 

It is abundantly clear that this is an issue in US Bank 's system. That is the only reason there would be an attempt to take {$250.00} out of my account exactly a week after the initial failures. Furthermore, US Bank should be able to sync up the first two failed attempts. Once they do that, they will see that the time for those doesn't match the time ( XXXX XXXX ) when the money left my account ( and went into some computerized netherworld ).

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 2023-03-02
Company: Cedars Business Services, LLC
State: NE
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
They have reported a debt to my credit report that is not mine. The company was also harassing me and I told them the debt was not mine. They said they were investigating and I never heard back. In the meantime, this debt that is not mine is harming my credit and repenting me from purchasing a house. 

Debt is for {$XXXX} per my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
the account in question was opened fraudulently

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 2022-12-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
I have like XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX i didnt do that i told them my information is fraudelent i was a victim of idenity theft while i was paying for there idenity theft protection XXXX XXXXXXXX XXXX they claim i aint heard a XXXX from them when i told them they need to reimburse me my idenity got stolen while i was using yhere premium service i have a debt with capital one it was a secured credit card so how do i have a debt??? This a scam they scaming me. How can i be in debt on a secured credit card??? Makes no sense they legally robbing me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : 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