BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-22
Company: FAIR COLLECTIONS & OUTSOURCING, 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: Account status incorrect

Complaint:
I moved out on XX/XX/XXXX from XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ). Approximately XXXX XXXX, I received notification in my credit report an account in collections with XXXX  in the amount of {$430.00}. I contacted XXXX XXXX in person and spoke to one of the leasing consultants ( XXXX ) to get more information about this amount owed as I NEVER received notification or a statement of charges after moving out. On the day I spoke with XXXX, the office computers were down and she was not able to look up my account information but she informed me that she will look into it and get back to me. A follow up from leasing office never occurred. I phone the leasing office multiple times and left messages requesting a return call but all my calls and messages were ignored. Things were put on hold during the COVID-19 pandemic months as the leasing office was closed and re-opened on XX/XX/XXXX. I was finally able to speak to the property manager " XXXX '' who emailed me a copy of the Final account statement reflecting the charges on XX/XX/XXXX that include {$200.00} for repair vinyl flooring, {$75.00} for repair damaged blinds, and {$100.00} trash out of apartment. I am disputing these charges as the blinds were already damaged upon move in which is noted in the lease contract. In addition, the flooring damages were from existing mold in the apartments which the leasing office was already aware of. These charges were hidden from me for almost a year even though I requested in different occasions to provide a statement of charges so that I can not object the charges for repairs. As a result, these charges were forwarded to a collection agency FCO ( Fair Collections & OutsourcingXXXX XXXX XXXX XXXX  XXXX XXXX, MD XXXX ) and have negatively impacted my credit. I have attached a copy of the email I received the leasing office along with a copy of the certified mail receipt showing that I never received the certified mail. These charges are unfair and fraudulent in nature and I am requesting assistance to have these charges remove from all 3 credit bureaus ( XXXX, XXXX, and XXXX  ). I have contacted FCO to remove this amount from collections and to remove it from my credit report without any success.

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 2021-02-04
Company: American Credit Acceptance, LLC
State: MO
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:
After reviewing my credit report I notice several errors and I begin to dispute them with XXXX each time the company has come back to me stating that the information has been verified as accurate. I then sent 3 separate certified letters to XXXX requesting them to provide me with information as to how the information has been verified but all of my request have been ignored. I have disputed these following accounts for the following reasons as well as provided documentation to verify the information as being incorrect but yet all they have done is continue to list these accounts as verified. 
XXXX XXXX - XXXX shows that this account was written-off for bad debt in the amount of {$20000.00} with a past due amount of {$7100.00} written off in XX/XX/XXXX which is incorrect. They have the terms listed as 78 months which is incorrect it is 75 months. 

I have also asked for verification documents for the following accounts : American Credit Acceptance they have the account opening date listed incorrectly. 
XXXX XXXX XXXX they keep allowing this company to change the amount even after requesting validation documents that have not been provided from both XXXX and these creditors. All of my request have been ignored. My rights have been violated under the FCRA. I am requesting immediate removal of these accounts. 

This has caused severe harm to my credit as well as caused me to lose my XXXX XXXX XXXX XXXX with several companies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04
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: Account information incorrect

Complaint:
There is an account that I paid and the collection agency agreed to remove XXXX / XXXX XXXX # XXXX your company has not removed and only updated the settlement payment which is NOT accurate and was NOT what was agreed upon. 

Please remove this remark ASAP

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 2020-09-08
Company: FISERV INC.
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have been contacted by mail by TRS Recovery Services alleging that I owe for purchases made at Home Depot. 
XX/XX/XXXX XXXX, MN XXXX XXXX for {$660.00} XX/XX/XXXX XXXX XXXX XXXX XXXX for {$530.00} XX/XX/XXXX XXXX XXXX, MN XXXX XXXX for {$1200.00} All alleged to be in the form of a check ( s ) converted to electronic funds transfer by the merchant with authorization. Whatever that means. I called XXXX XXXX corporate and they have no record of myself writing a check, having a XXXX XXXX credit card, having any large purchases or outstanding debt ( s ) with them in any form. Calling TRS Recovery Services just leads you to voice prompts that divert you to their website where, to dispute a debt, you must provide your Driver License #, Social Security #, address, bank acount # and routing #. I then made a police report - # XXXX with XXXX Police Dept., I have also filed a consumer complaint and action form with MN attorney generals ' office. Furthermore an internet search reveals multiple accounts of false debt collection attempts by TRS Recovery Services in the guise of purchases made at XXXX XXXX and many other businesses - submitted by normal consumers like myself.

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 2021-02-04
Company: Netspend Corporation
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
Hi I am very overwhelmed.. I am being XXXX.. i have been called a XXXX I have been ask over and over again for the personal information over the phone plenty of times.. I have responded to them and I had told them several of times about my accounts banks cards loans and so on with my credit..today I reported a card stollen I got XXXX $ taken away from my net spend card it was my rent money they over drafted me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Company: PNC Bank N.A.
State: NJ
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:
XXXX XXXX XXXX pulled my credit report three times in XXXX of 2021, and I only applied once.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-29
Company: CCS Financial Services, 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: Account status incorrect

Complaint:
I paid this collection and agree to deleted from my reports. But they wont remove it from my reports. Saying theyre not allowed to deleted

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). A dispute was submitted on XX/XX/2022 to Transunion and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

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 2018-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have been calling XXXX  and Transunion to remove or at least update my XXXX  XXXX XXXX  Personal Loan item from my Account. 

The account was paid in full XX/XX/XXXX, however my credit reports now says that the item is over 120 days unpaid which is not true. I am submitting an authorized letter from XXXX XXXX XXXX  stating that the account was paid in full XX/XX/XXXX. 

Please have this updated to the correct status or remove it completely because it is full of inaccurate 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 explanation
Consumer complaint received 2018-02-12
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I have attempted to cancel this service many times. 
Most recently XX/XX/2018. 
When I attempt to cancel my account the automated service tells me I do not have one. 
When I try to contact member services I am left on hold for hours with no response. 

I had to make a stop payment on this previously with my bank that cost me money. 
The information was changed on how I was being billed and the billing has begun again. 
I have attempted numerous times to cancel this service and have not received a single response. 

I have already been on hold with the company for multiple hours today and have attempted to call multiple different numbers that bring me to the same menu. 

I am being billed on the XXXX of every month a total of XXXX from experian.

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 2021-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
My state and the applicable federal regulations and standards for proper lawful reporting requires that any injurious claim of delinquency and or derogatory information be factual and physically verified reporting standard ( s ). The inability to validate and certify compliant reporting is grounds to demand deletion of claims, and this is my contradiction and denial to any negative implication and my right to insist such reporting be deleted immediately. Please supply the following information in complete detail : These inquires were not by permissible purposes and I want them deleted immediately and then send me an updated credit report within 15 days. 

Unless you can provide actual evidence of each inquiry concluded from a specific company with signature, location, and date, this would be considered unauthorized review for my credit as I have not given this company a reason that I would conclude to do business with them as I mentioned to them I did not want them to review my credit. 
Apparently, they did and that is illegal on their part. Investigate this with them and have each inquiry that was not justified or given permission by me to do so. 


XXXX XXXX Inquiry from XX/XX/XXXXXXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXXXXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX from XX/XX/XXXXXXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXXXXXX XXXX  Inquiry from XX/XX/XXXXXXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXXXXXX XXXX XXXXXXXX Inquiry from XX/XX/XXXX 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 explanation
Consumer complaint received 2018-09-20
Company: CITIBANK, N.A.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I recently experiencd fraud on my Citi master card and l called and explained my concerns pertaining to the fact that I'm uncertain who committed the fraud. Especially because the transaction occurred a few months ago but l was unaware of it until l received an email indicating l reserved a trip with XXXX XXXX but l didn't. 

I have called Citi card serveral times to get an up date due to my fraud issue and have been given the run around. Then l spoke to a representative today XX/XX/2018 whom l corrected twice when she called me a " MAN '' and l told her I'm a " WOMAN '' lm NOT A " MAN. '' This representative turns around again and called me a man and connected the call by telling the other specialist that lm a man and she proceeds to reference to me as a man as well, which l had to correct her and let her know that I'm a woman. 

I feel that gender discrimination has transpired against me with them continuously calling me a man when l corrected them various times that I'm a woman. UDAAP issues at this point. I need assistance from your company to investigate Citi for blatant discrimination.

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 2022-10-17
Company: Experian Information Solutions Inc.
State: FL
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 am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 2021-02-04
Company: ACIMA CREDIT, LLC
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: Information belongs to someone else

Complaint:
On XX/XX/2019 a line of credit was fraudulently opened in my name by ACIMA CREDIT XXXX XXXX with a current balance of {$1400.00} 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. I demand the following accounts be verified or removed immediately. Accuser has failed to provide any evidence of either the injurious derogatory claim 's verifiable validity NOR any documented certification of compliance as reporting, each mandatory condition to report so DELETE NOW! Item is mine YET is NOT proven COMPLIANT in its reporting. As reported, Item is mine YET is NOT LEGALLY REPORTABLE due to being one or more of untrue, erroneous, incomplete, unverifiable, invalid, or else wise NOT proven COMPLIANT in its reporting. As of yet, there is no document evidence of VERIFIABLE VALIDITY of claim much less of the mandatory PERFECT and certified Metro 2 compliance of reporting AS REPORTED, a minimal condition of REPORTING regardless if item is true or not. You are of no legal option but to lawfully and permanently rectify your now current not compliant reporting by immediate removal of any and all derogatory claims and or modification to a perfect and COMPLIANTLY REPORTED status. Your hesitation will be assumed your willful derelict of responsible regulatory reporting and infraction-ous injuriously deceptive reporting, BOTH grounds for my civil complaint and seeking of monetary resolution and punitive damages versus you shall you hesitate or refuse to report compliantly and only verifiably valid information, true or not! I demand the following accounts be verified or removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05
Company: BB&T CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I opened a Bank account with BB & T ( XX/XX/2016 ) Account number ending in XXXX, this was a student Banking account. This account was then closed on ( XX/XX/2016 ). I received the letter stating that the bank decided to close the account due to the information found on my XXXX XXXX report. 

I was a victim of identity theft and Made the indication to the bank for the information found on the report and requested for my information to be reviewed. They have reported these accounts to XXXX XXXX and they remain on my record. I have notified the bank and requested that they remove the information from my records and they have not done so. 

There is no current information listed on my XXXX XXXX indicating any reason as to why my accounts should have been closed. This matter is affecting my ability to bank with any banker and is putting a hindrance on my financial ability to bank.

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 2022-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX  request for identity information. 
I'm attaching 605 letter, Driver 's license, utility bill, social security card, fcra rule 605,

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 2021-11-07
Company: Nelnet, Inc.
State: CO
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
In XX/XX/2021, I filed for chapter XXXX bankruptcy. After filing, I attempted to make my regularly scheduled payment. My private student loan servicing company Firstmark, showed on their website, that no payment was due. I attempted to make a payment anyways and was prevented from doing so by the website, stating " payment could not be made at this time. '' As a result, I was under the impression that my loans were in forbearance during the bankruptcy because of the statement stating no payment due. 

On XX/XX/2021, I received a letter from Firstmark stating my current amount due and showing a past due of {$250.00}. I called the company and told them what was stated above. The company stated that they were not allowed to have any debt collection with me during the bankruptcy and that I should have known payments were still due through the bankruptcy per my loan term agreement signed 15 years ago. I asked how you could state that my loans required no payment but still require a payment without notifying me of it. They stated that they weren't allowed to communicate by law as a result of the bankruptcy. I told them that I believed it was unfair and fraudulent to state on my account through their website that no payments were due and prevent me from being able to make a payment in my normal manner but still in fact require payment with no communication on how to make payments or the requirements that they be made. 

I have been charged late fees as a result of the supposed missed payments and my credit score has gone down over 200 points as a result of them reporting every loan as in default for the period during the bankruptcy to my discharge date in XX/XX/2021.

Company response to consumer: Closed with explanation