BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-06
Company: Amsher Collection Services, Inc.
State: ID
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2023 I received results after I disputed the collections account. XXXX updated my account stating it was updated. I requested proof be sent I had legal binding contract. I requested the notice that was sent to me. The demands were ignored. I have no obligation to pay a debt that was bought. The account states its disputed and reinvestagated but is still not conducting this matter by the laws set forth.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2023, I received a check written in my names from a company that wanted me to offer data cleaning services. They asked me to bank the check and use money to buy a list of software that were to be used in the process. 

On the same day, XX/XX/2023, I banked the check on my account with my bank, Capital one Bank NA. 
A few hours later, my account was blocked and the bank asked me to contact them on Tel : XXXX. I contacted the bank and told them my story of how it all went, and I was told that the check was suspected to be a bad check and that i could have been a victim of an online employment fraud. 

I told then to do the right thing to save us from fraud and they asked me to go through a process of self identify/verification online so as to to remove a restriction on my account. They reps told me that their systems were down twice and on the 3rd call, I was told that the bank has decided to end my banking relationship with it.

I do not know why I had to be punished by the bank to close my account since I was not in anyway involved in writing the allegedly bad check and was only a victim of the alleged fraud. 

I am therefore requesting that you investigate, and where possible reversible the bank decision to deny me my banking rights for a fault that is not my own. I have all the evidence, including communications with the people who sent me the check and covering letter with instructions on how to handle the said money. 

I have attached a copy of the banking slip and a package materials that came along with the check- also showing the tracking number. 

Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-03
Company: SYNCHRONY FINANCIAL
State: OK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
They say Im over my {$600.00} limit. Not true, its care credit for a dentist! I was under {$600.00}. Thats as much credit I had anyways. How would that even be possible?

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 2021-07-03
Company: Experian Information Solutions Inc.
State: GA
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 filed a dispute with Experian to address this issue, case # XXXX and they sent me a notification claiming to have fixed it. However, they have not addressed the issue at all and more false information is present on 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 2021-07-03
Company: EQUIFAX, 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:
The inquiries on my credit report were not authorize and I do not have accounts with any of those companies

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I did not authorize this credit pull

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 2017-12-19
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
The credit reporting agencies have added a fraud alert to my credit report without my requesting it. This is a violation of FCRA regulations. I do not understand how they feel this helps after the damage is done.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: EQUIFAX, 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:
The unverified items indicated below, continue to report on my credit report despite several written requests, in violation of federal law. I sent multiple letters to the XXXX credit bureaus, but I never received a response. 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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The unverified items indicated below, continue to report on my credit report despite several written requests, in violation of federal law. I sent multiple letters to the 3 credit bureaus, but I never received a response. 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 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 2019-06-05
Company: LEXISNEXIS
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Someone else 's homeowners insurance policy was placed on my LexisNexis CLUE report. I have no financial obligation to the policy, nor to the property. How is this even possible? How in the world would XXXX XXXX or Lexis Nexis even have my personal information if it is not on the policy to use to add me to a policy without the policy holdes approval and to start to report against me when I am not a party to the claims? This is beyond unbelievable. I have spoken with XXXX XXXX from the XXXXXXXX KS office XXXX and he confirmed that I am not on the policy and never have been. In fact, claims that occured before I was in the residence are added to my CLUE file. I have complained to Lexis Nexis that I am not on the policy. However, you will see that it is my name on the report listed as Subscriber # 1. I am not on the pollicy in anyway. No tenant/care taker/renter should ever have the homeowners policy attached to their report. According to LexisNexis, XXXX insurance  has validated this as accurate in the disputes I have called in to Lexis Nexis. As you can see from the paperwork attached, LexisNexis chose not to follow the law and get a copy of the homeowners policy from XXXX or the local agent XXXX XXXX to prove that I have a financial responsibility to this account to verify its accurancy. Instead they tried to collect more personal data on a non-property owner and non-policy holder. This is a violation of my rights by XXXX, XXXX XXXX XXXX as well as Lexis Nexis. It is against FRCA to report accounts that are not mine and to verify them as accurate without documentation and an investigation. Furthermore, I have been advised that it violates insurance reporting to attach random claims to someone not responsible for the debt. This is beyond ridiculous that it has taken 6 months for this to not be handled. I demand this be removed from my report immediately. I have called LexisNexis 3 times to dispute this and they told me it is MY problem to validate that it isnt mine. You have to be kidding me? I am supposed to ask the homeowner and policy holder for their policy, Social Security Number, Date of Birth and all to prove it isnt me while supplying all this information on me as well. Hmmmm, this is not how the law works. They need to prove this information, which they can not as I am not on the policy and have no ownership stake in the property. Please investigate and ensure this gets removed from my CLUE and A-Plus reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17
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: Investigation took more than 30 days

Complaint:
I have been trying to dispute some accounts that is on credit report that been impacting me very negatively. The accounts on the report was incorrect or inconsistent. I have ask them investigate those account multiple times they have yet responded to me on if the accounts was verified or accurate. They havent example where they verified or showed proof of any accuracy nor have they told how they are communicated with the creditors who are reporting these accounts. 

Below are the accounts : XXXX XXXX {$0.00} XXXX {$660.00} XXXX XXXX XXXX XXXX NEVADA {$400.00} XXXX XXXX XXXX XXXX {$0.00}

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
Consumer complaint received 2019-10-29
Company: Experian Information Solutions Inc.
State: UT
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:
I have a Bankruptcy with no visible account number reporting on my credit that is extremely old and over the FCRA Reporting limit, this is erroneous that they are still reporting and it needs to be removed off of my credit file. It has already been removed off XXXX  but the other bureaus won't remove it.

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 2019-06-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
on several occasions. 
I have told people from this company to stop calling. 
I requested that it was my right according to the FDCPA. 
On XX/XX/2019 I told one credit collectors named XXXX XXXX. to stop calling. 
He told me that my word was good only for 10 days and that I should put in writing. 
My last conversation with XXXX XXXX was recorded and he was also notified of those actions. Even though he was polite but he keep insisting of why I was not going to pay this bill. I notified him of my action to come soon. He just ignore me and continue with his attempt to collect the debt. This was The last straw. I tried to put an end to this in a civilize way. I will proceed with legal actions against Mr. XXXX XXXX and his company Portfolio Recovery located in XXXX Va. Any other information obtain on this case will be used against them. 
Thank you Mr. XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I dispute a dismissed and discharge bankruptcy with TransUnion. TransUnion say that they verified these 2 bankruptcy with XXXX Bankruptcy Court of Florida using my full social security number. This is not true because XXXX Bankruptcy Court do not release no info to credit bureaus or third parties ( attached is a letter from the courts saying so ). TransUnion is in violation of the Fair Credit Reporting Act. Attached is a copy of TransUnion Investigation Procedure they send to me. They clearly is not obeying they own rules and the rule of the FCRA

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
American Express continues to deny purchases after dropping the limit from {$14000.00} to {$700.00} without notice and explanation. I want BY MAIL all contracts and statements from ALL account under my name plus the full explanation and calculations of the credit limit. 

If American Express can not serve well and give a decent limit to this card, please, proceed its cancelation and refund of all fees as of today. 

Do not call or email me, all communication needs to be written and sent by mail to my home address for evaluation and further action.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2019 I requested a loan upon my request a company name XXXX XXXX XXXX gave me an offer of XXXX I then excepted.Qualifications was thru routing and account # which I gave to the customer service representative.Then on XX/XX/2019 a XXXX dollar amount was added to my account which I checked on my mobile banking account.This wasn't the amount XXXX XXXX XXXX agreed on the loan amount so I called them to decline the loan.I withdrew XXXX from my account to send XXXX XXXX XXXXL they're money back.2 days later Regions bank notified me to say there was a fraudulent check put in my account.If a check was deposited why did it show up as a cash balance not a check that has to clear before it was shown on my account as XXXX added to my account.My account was froze and I couldn't get access to my money.I feel I should be reimbursed because this was supposed to be handled as a check not cash.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-05
Company: Colony Brands, Inc.
State: MA
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:
There are two accounts on my XXXX, XXXX and XXXX credit file that I do not recognize, the accounts are showing as discharged in bankruptcy but the problem is that I never had accounts with these companies called XXXX XXXX and XXXX XXXX, there is no phone number being reported and it says that the accounts were opened in XXXX and XXXX. I have disputed these accounts with all three credit bureaus and for some reason they told me that the accounts was verified as accurate. I know this cant be right because like I said I never had an accounts with these companies. I asked all three credit bureaus for the original contract that has my signature on it that proves that I opened this account since they are claiming that the account was opened by me, and they cant seem to provide me with anything. By law the credit bureaus have to report the information on a credit file 100 % correct without any errors or mistakes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: EQUIFAX, INC.
State: LA
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 sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-17
Company: Bread Financial Holdings, Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
ComenityXXXXXXXX account was opens fraudulently in my name. I do not know nothing about this account. I used to work at XXXX but managers open this account without my knowledge to make sales in order not to lose their jobs. I will be filing a lawsuit in small claims court for fraud. This account been on my report for years without my knowledge and I just recently seen it on my credit report on XXXX, XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05
Company: Experian Information Solutions Inc.
State: NV
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 was in a car accident on XXXX hit from behind the insurance company and the gap insurance paid off my car loan with XX/XX/XXXX long story short is my account is closed but XX/XX/XXXX give me an late payment on my credit report for XX/XX/2021 which has dropped my score on my credit and the credit bureaus is doing nothing to fix the problem

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 2019-06-05
Company: U.S. BANCORP
State: NC
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: Card was charged for something you did not purchase with the card

Complaint:
there were charges on the elan financial cc that were NOT made by me or anyone i know. that was in about XXXX XXXX i found out about this about XX/XX/XXXX as we had moved in XX/XX/XXXX and the mail was not forwarded.when i found out i researched what company had the charge ... XXXX  XXXX ... i am not a member or ever have been. XXXX credited the charge back to XXXX..so why does elan still show me 20 days late for a payment when i never bought the product, never received a bill and it was paid back by the XXXX XXXX..please do something about this fraud company, elan.

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 2019-06-05
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:
In the years of 2015 all my students loans was placed on a forbearance program. XXXX is reporting it was not. On my credit and the attached documents XXXX continue to report that I was 90 days late on XX/XX/2015 but made a payment on XX/XX/2015. How can you be 90 one month but not late or make a payment the month before. This is clearly a violation of 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 2021-02-12
Company: Rausch, Sturm, Israel, Enerson & Hornik, LLP
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Applying for a refinance and the title company sent me a letter about a judgement against me. This debt is not on my credit report, nor did this judgement come up when I purchased the house two years ago. I never received any written proof that this debt is mine, nor was I ever notified personally by mail or phone call.

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