BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-21
Company: Experian Information Solutions 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  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX  XXXX XXXX ( Original Creditor : 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 2019-05-21
Company: CITIBANK, N.A.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Paid my total balance of {$210.00}. The date in my check book is XX/XX/XXXX but I mailed it on the XX/XX/XXXX according to XXXX XXXX. They said they received it on the XX/XX/XXXX. As far as I'm concerned I've paid the debt but they have called me countless times and continue to send me bills and increasing the charges. Thank You, 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 monetary relief
Consumer complaint received 2021-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 month ago I disputed inaccurate information being reported by XXXX XXXX XXXX. I send proof that different this was getting reported. The credit bureaus didn't even look into it. they just said account was verified. My account was never charged off and the payment history is incorrect. You can see alot of inaccurate information from the proof I sent in

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 2018-08-23
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
We signed up for the American Express XXXX card in XXXX under their promo to spend $ 3k to get 25k bonus points. We spent close to $ XXXX and didn't get the bonus. After several billing cycles closed, we contacted Amex to ask about the bonus and they told us to wait and that they couldn't open a case until after 6-8 weeks after the spending was met. We waited and then contacted Amex in XXXX and was told we didn't meet the limit because the promo we signed up for required $ XXXX spend and we were short {$190.00}. They misled us and caused us to lose out on the bonus that is worth at least {$400.00} in value. They said the welcome letter included the terms of the bonus and we've been a customer since 1995 and I have never seen any disclosure to the welcome bonus. The only disclosure we received is the fees. It's a shame that a company as AMEX would try to lure loyal customers to use their cards and then cheat customers out of their hard earned money and points.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15
Company: Consumer Adjustment Company Incorporated
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 was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the America Bar Association and Professional Liability Fund for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15
Company: Statebridge Company
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Late fees from XX/XX/XXXX have been assessed to my account and Statebridge is unable to tell me what the fees are from. Statebridge took over servicing my loan, without my knowledge, and the servicer-XXXX XXXX- I used when buying my house states that the loan was " bought out. '' On XX/XX/XXXX I called and asked Statebridge for explanation and they were not able to explain it clearly ; telling me I would have to contact the loan company-XXXX XXXX-because the fees are originating from when the loan was serviced by them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX****, XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXXXXXX, 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 2021-09-21
Company: TD BANK US HOLDING COMPANY
State: MA
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:
In XX/XX/2021, I filed for bankruptcy but specifically did NOT include open accounts TD/Target or XXXX  because they did not have balances. Recently, I checked my credit reports and see that both of the accounts are Closed and have derogatory comments stating that they were included in the bankruptcy. This is not accurate and has had a very negative effect on my credit scores. I have attached a list that I received from my lawyer of the accounts that were included in the bankruptcy. As you will see, TD/Target and XXXXXXXX are not listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I. XXXX XXXX XXXX am a victim of identity theft. There are fraudulent accounts on my profile that need to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29
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:
cra violation inaccurate information or id theft victim i sent them

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 2018-08-23
Company: Experian Information Solutions Inc.
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:
XXXX XXXX Credit Cards Ending In : XXXX & XXXX XXXX XXXX XXXX Cards Ending In : XXXX & XXXX XXXX XXXX XXXX Card Ending In : XXXX There is no balance owed on any of my credit cards by any bank as showing by Credit Bureaus

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 2018-06-19
Company: HW Holding, Inc
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was notified by Hunter Warfield through a posting of my credit report, on XX/XX/XXXX regarding an alleged debt for XXXX XXXX XXXX XXXX XXXX. I moved from these apartments ( after the lease ended & with 60 day notice ) XX/XX/XXXX.  Upon moving a walk through was done and the last month of rent was paid for market rent, due to management lying stating we did not give them notice ( which we didn't have to because our lease was complete and we were not going to renew ), we paid and moved. A walk through was complete with no incidentals, we cleaned the apartment and it was shampooed before we moved out. Now, XX/XX/XXXX Hunter Warfield posts a collection on my credit report stating we owe {$320.00}. I sent a certified letter ( that was received and signed for on XX/XX/XXXX @ XXXX to front desk/receptionist. I have yet to hear from anyone and I want this removed off of my credit report. It is a false claim from the apartment complex and I will file a lawsuit if I have to.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Since XXXX of 2018. Office of the Attorney General of Texas has reported a incorrect amount about child support and arrears. Since then custody has change hands in my favor. I have custody of the child. I am still paying the other parent but the AG off is till reporting that I am paying late. Been trying for almost 2 years to get this matter back before a judge and still no action has been taken. My credit has been damaged because of this matter and the credit bureaus has not done or addressed the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21
Company: NCB Management Services Inc.
State: AZ
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received an initial communications letter from XXXX XXXX XXXX XXXX on Monday XX/XX/2021 stating they are trying to collect a debt that I do NOT recognize. On XX/XX/2021, well within 30 days after receiving their letter, I sent them a letter to the stated correspondence address disputing the validity of the debt and requested validation of the debt. The letter was sent via USPS Certified Mail with Return Receipt and was signed for on XX/XX/2021. On XX/XX/2021 I sent them a follow-up letter notifying that they have failed to validate the referenced debt and that they are still reporting the account as valid in violation of the FDCPA. Again the letter was sent via USPS Certified Mail with Return Receipt and was signed for on XX/XX/2021. The collections account has been continuously reported and is still currently, credit report shows the account was updated XX/XX/2021, being reported on my credit reports as a valid collection account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15
Company: Experian Information Solutions 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:
I have contacted XXXX XXXX XXXX on several occasions via certified letters ranging from XX/XX/XXXX to XX/XX/XXXX, to resolve this matter. Currently on my credit report, there are two missed payments showing for XX/XX/XXXX and XX/XX/XXXX. I applied for a forbearance on my loans as I was recently laid off from my job at the time and was experiencing a financial hardship. It was my expectation that the forbearance would only take a few days to process and therefore be applied to my account timely. I was never informed the processing time could take longer than 30 days and never directed on when to reapply, check the status and/or make payments to my loans. It is my wish that the missed payments are updated to be within good standing and reflect the forbearance during those months.

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 2020-11-06
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I paid my account in full ( {$650.00} ) on XX/XX/2020 using XXXX XXXX Commenity Capital Bank automated services. This balance included my purchases and interest charged. However they continue to charge me interest on a XXXX balance, they claimed that additional interest was generated after my payment because my due date was XX/XX/XXXX. 
I argued that the automated service gave me the option to pay only my purchases or purchases plus interest and I opted to pay both, which is reflected in the amount above. 

They have continued to charge me monthly interest that have accumulated to over {$100.00} although I have paid my account in full. They have been reporting a delinquent claim on my credit report every month since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21
Company: Financial Credit Network Inc
State: CA
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:
Financial Credit Network updated my credit report negatively and reported as an open collection on XXXX/XXXX/2021 when I had a Chapter XXXX discharged approved and reported on XX/XX/2021. 
This agency was included in the notice to creditors. Once I was alerted the discharged debt was updated as open collections I used their website requesting immediate correction and attached the notice to creditors which listed the agency and debt along with the order for discharge. Financial Credit Network did not respond to me or correct my credit report. 
I had to file a dispute with XXXX to have the account removed. 
I again had to provide proof to get this corrected. This is harassment, collection is court ordered to stop. Updating consumer files incorrectly should have consequences for the agency. 
Consumers should be given more control or negotiation powers before affecting their credit. 
This agency acted in an inappropriate and dishonest manner, I have proof of service regarding bankruptcy filling. Consumers are not given any information before information is added to their credit files. My daughter 's name is listed on my credit file as an alias along with many misspellings of my name. Neither myself nor my daughter have ever used each other name. I have also never misspelled my own name, it is not appropriate to list alias when the people using different versions of my name are companies who pay for consumer lists creating unsolicited junk mail delivered to my home and soon after I have a new alias listed on my credit file.

Filling bankruptcy significantly harms my credit profile, having an open collection post days after a discharge is devastating. 
Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I attended XXXX University 's XXXX program from XX/XX/2018 to XX/XX/2018. On the last day of the semester, I withdrew per XXXX 's published guidelines. My account at this time was paid in full. After withdrawal, XXXX attempted to charge me {$2400.00} for a session in which I never attended a single second. They then reported this balance falsely on my credit reports by either mail or wire, unbeknownst to me. This fraudulent reporting has adversely affected my credit score every month since approximately XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2020-09-14
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: Information belongs to someone else

Complaint:
I recently pulled my credit report and saw a bunch of fraudulent accounts including a school XXXX XXXX that I never attended. The bureaus removed XXXX XXXX but some of the student loans remain.

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 2021-09-21
Company: Sequium Asset Solutions, LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
I keep getting called about a debt for somebody else but they have been calling me everyday for years. Sequium asset solution is the company they say they are located in Georgia. I keep telling them to stop calling me.

Company response to consumer: Closed with explanation