BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-28
Company: National Credit Systems,Inc.
State: MN
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 received a letter from national credit systems inc out of XXXX, ga for a debt which I was unaware of. Its says I can resolve the matter for {$510.00} if paid by XX/XX/XXXX. Today is XX/XX/XXXX so I called. I asked the rep how fast this could be deleted from my credit report. She informed me I had to pay an additional XXXX on top of the XXXX they offered me. This violates FCRA. The rep then threatened that u wouldnt be able to move or get a job if I didnt pay. I asked for a supervisor and was hung up on. Since I was unaware of this debt I looked into my records and this was paid to XXXX XXXX XXXX years ago. They are preventing me from being able to get a house by falsely reporting this debt to my credit then trying to hold my credit XXXX by charging me an additional XXXX $ to have it removed as I dont even owe the money. Consumers should be protected from these bully tactics. My rights under FDCPA and FCRA have been violated the CFB should protect us from these types of places. I want this tradeline removed immediately before I pursue legal action. I have the recording of this call but the file is to large to attach but I can get it to you guys as proof of all this

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
Company: Experian Information Solutions Inc.
State: NJ
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:
these names need to please be removed XXXX XXXX Name ID # XXXX XXXX XXXX XXXX Name ID # XXXX XXXX XXXX Name ID # XXXXXXXX XXXX XXXX XXXXXXXX XXXX ID # XXXX XXXX XXXX XXXX Name ID # XXXX XXXX XXXX Name ID # XXXX XXXX XXXX XXXX ID # XXXX XXXX XXXX Name ID # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-20
Company: Resurgence Legal Group, PC
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:
On XX/XX/2019 XXXX XXXX the title processor for XXXX XXXX   XXXX XXXX  XXXX  # XXXX, that I am working with to Refi my home loan contacted XXXX XXXX XXXX  for a pay off amount and letter in regard to a lien on my property. He was told at this time the lien on my title and judgement was expired and the owed amount is {$0.00} due to California 's statue of limitations and was directed by the customer service personnel to the lawyer 's direct line ( XXXX XXXX ( not sure about the spelling of his last name ) XXXX ext. XXXX ) where he was forced to leave a message. 

Multiple calls from XXXX XXXX XXXX  and myself have been made to this company and all have been redirected to the lawyer 's voice mail. No messages have received a return call. 

The original debt was from XXXX XXXX, they were called as well, directed XXXX to call XXXX XXXX XXXX. 

XXXX has been also reaching out to XXXX XXXX XXXX ( XXXX ), they are the attorneys office that initially handled the judgment. The contact info for them is XXXX XXXX and XXXX XXXX, unfortunately he has not received any type of response from either of them. Their phone systems are not good, he kept getting hung up on during the transfer and they finally sent an instant message to XXXX XXXX XXXX Sounds like she is the boss ). He reached back out to XXXX XXXX   XXXX  on XX/XX/XXXX as well ( XXXX ) ( They took over the judgment from XXXX XXXX XXXX XXXX ), I was told the judgment was cancelled with them and became invalid but the initial attorneys office will need to provide information as they are no longer involved. 

XXXX XXXX XXXX has had this request for 2 months and has not even bothered to call back. I am not unable to move forward with my refi due to their incompetence.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01
Company: EQUIFAX, INC.
State: AK
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 sent out 4 debt validation letters to this company requesting to show proof that they have the legal right to be on my credit reports. Each dispute was dated, notarized, and sent via certified mail and in accordance with the FCRA Section 616, Section 617, Section 609 and Section 611 which states if the UNVERIFIED items listed below are not deleted immediately. I Have been ignored with each request. This company has held me back from moving forward with my life and refuses to offer verification for my detrimental setbacks

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
Company: Experian Information Solutions Inc.
State: AL
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 trying to cosign for my cousin to get a new vehicle and the car salesman told me my credit was too low. I told him to show me my report and print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts. XXXX XXXX {$1600.00} XXXX XXXX XXXX {$370.00} XXXX XXXX XXXX {$1000.00} XXXX   XXXX XXXX  XXXX {$28000.00}

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 2020-09-04
Company: MoneyLion Inc.
State: NJ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Approximately 10 months ago I contacted customer service numerous times over the course of a week. After unsuccessful attempts at an answer as to how to update my address to get a new debit card I was told what they had on the website was inaccurate. I then asked how to go about closing my loan with them because I could not access the checking or savings or even the investment account. They told me to send other documentation in order to do so. Ive been charged hundreds of dollars for their lack of response to close an account and are impossible to reach.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19
Company: Experian Information Solutions Inc.
State: AR
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 decided to get my credit pulled due to a couple of collection letters I continued to recieve in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of thing that I have never opened in my life. The thing listed on my applications are not mine please remove these unknown items from my report. XXXX  XXXX {$1300.00} XXXX XXXX XXXX {$390.00} XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX XXXX {$330.00}

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 2020-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 decided to get my credit pulled due to a couple of collection letters I continued to recieve in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of thing that I have never opened in my life. The thing listed on my applications are not mine please remove these unknown items from my report. XXXX XXXX {$1300.00} XXXX XXXX XXXX {$390.00} XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX XXXX {$330.00}

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 2020-10-29
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
XXXX XXXX care credit gave me a promotional interest free 12 month, however I asked several times to please let me have a subtle payment option due to the pandemic they told me first I had to make my minimum payment do and then call back and 48 hours and then I could ask for a settle payment however however the promotion was over in XXXX nor did I receive a letter or phone call or email and now they're telling me that there is absolutely nothing that they could do I spoke to at least four supervisors and nobody was able to accomplish anything except take my {$210.00} minimum payment this is unethical and very unprofessional and I hope that it never happens to anybody else

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 2020-10-29
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: Was not notified of investigation status or results

Complaint:
I sent a dispute to Transuni

on, advising them of several credit inquires that are listed on my credit report, of which I do not recall giving them permission to check my credit. I have taken time to contact these companies and none of them have been able to prove that I applied for credit with their company and gave permission. Per Section 604 of the Fair Credit Reporting Act, credit bureaus must have permissible purpose from the creditor, written authorization, and proof that I initiated the hard inquiry. This law must be followed, otherwise anyone could check peoples credit anytime they wanted. I am trying to achieve several financial goals in the immediate future, so it is imperative that Im able to get this resolved. Under the provisions of FCRA 611 ( a ) ( 1 ), the bureaus are required to
have conducted a reinvestigation of my dispute filed XX/XX/2020, and to have concluded that reinvestigation within 30 days of the date of receipt of my dispute, which was XX/XX/2020. I sent this letter by certified / return receipt, so I know when they received it. I received no response from this bureau on this request.

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 2021-04-29
Company: Thunderbird Collection Specialists, Inc.
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Occurred on XX/XX/2021 around XXXX. XXXX called AGAIN about a debt that was paid over a year ago and harassed me once again by telling me I was dishonest about a " confirmation number '' I gave him. I have received repeated phone calls from him about a debt that was already paid. Today he hung up on me when I was trying to provide him with even more proof the debt was paid through TCS. His own company. This time I emailed a screenshot and forwarded the receipt to him. I want the harassment to stop for a debt paid over a year ago.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
After reviewing my Credit report I found items that does not belong there. This will be my 3rd time writing the credit bureaus about these harmful accounts that are not Mine.

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 2020-05-20
Company: CCS Financial Services, Inc.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24
Company: U.S. BANCORP
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
As a young consumer, I opened my first credit card with, what would become Elan Financial Services, in XXXX. I did this to build my credit score and become a financially responsible adult. I utilized the card for many years without any issues. 

On XX/XX/XXXX, I learned my credit card with Elan Financial Services was closed after a decade with the company. When I called in, I spoke to three different people, the last was a manager named XXXX ( refused to provide last name ) employee id XXXX. I was informed that my relationship was ended due to inactivity, however I never received notification of any form that my card would be closed if not used, nor that it actually had been closed. Upon reviewing my credit report I learned that it was closed and had a drastic negative impact on my credit score.

Throughout my decade long relationship with Elan, I never had any payment issues or derogatory marks. I have never had any issues or negative marks from any other financial institution I have a relationship with either. When I asked why I wasnt informe
d, XXXX  simply told theyre not obligated to inform me, but they do inform clients sometimes, no reason was provided as to why I wasnt one of those lucky clients. I asked XXXX how Elan operates in the best interest of their clients, as a financial institution should, she told me they make the best business decisions and they dont tell their clients how they act in the best interest of their clients. 

Even if Elan did not want to maintain the relationship because they were not making money off it, I shouldve be informed so I could act accordingly. Elan severely deteriorated my credit score with this one move by closing my oldest line of credit, simply because I was not one of the lucky clients that they sometimes inform of impending closure. All clients should be treated equally and fairly by the financial institution that they entrust their financial health and wellbeing to.

Elan may have discriminated against me as a female minority, or simply because I was a young consumer when I started the relationship. Whatever the reason I was not one of the lucky clients that get informed, Elan willfully acted against me as their client and my financial health.

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 2020-05-19
Company: Synergetic Communication Inc
State: CO
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Synergetic Communication, Inc. Sent a letter claiming they can sue me for the balance if I fail to dispute the debt. They also stated a settlement offer in the letter and threatened that they are not required to make this offer in the future. 

The balance is {$8700.00}. This letter was sent on XX/XX/2020. 

This debt has been disputed and removed from my credit report at all three bureaus under a separate debt collector company called XXXX XXXX XXXX XXXX XXXX. 

The new debt collector Synergetic Communication is attempting to collect an invalid debt that has been resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24
Company: Resurgent Capital Services L.P.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
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: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX # XXXX XXXX, TX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$0.00XXXX XXXX XXXXXXXX : {$0.00} XXXXXXXX XXXXXXXX Balance : {$0.00} XXXX XXXX : {$0.00XXXX XXXX XXXX  Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXXXX/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 2022-08-06
Company: Experian Information Solutions Inc.
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: Credit inquiries on your report that you don't recognize

Complaint:
I was attempting to purchase a car online, and was told ONE inquiry would be ran, and they poured in and did not stop.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-19
Company: United Shore Financial Services, LLC
State: NV
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 received a letter from United Wholesale Mortgage dated XX/XX/2020. The letter was confirming the approval of a forbearance plan from XX/XX/2020 through XX/XX/2020. My loan with UWM was current prior to the forbearance approval. During the time of the forbearance period, they transferred my mortgage to XXXX XXXX on XX/XX/2020. At the time of the transfer, UWM reported the account as delinquent/late 30 days or more to XXXX and XXXX on XX/XX/2020 even though I was already on forbearance. The account was never delinquent. I've called and emailed them many times for resolution but no one will assist me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
My paidamic unemployment benefits Bank of America edd card was being use with out my knowledge I have been a victim of identity theif for years so when I d found out I contacted them filed a dispute turned in numbers of police reports identify theif report with the federal trade commission and since XXXX Im still loseing my claims they are not telling me why after everything things whats going on

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 2023-08-16
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Update my Current personal info XXXX XXXX XXXX XXXX # XXXX XXXX AZ XXXX XXXX see attachment thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 already sent a complaint here that I sent a dispute letter asking for verifiable proof of the accounts on my credit report. And I sent a follow up letter because I did not get a response to the original dispute. I don't know if someone is playing games with me or what, but you responded back that you don't believe it's me sending the complaint. Well it is me, and my complaint is that XXXX is the date of my original dispute, XXXX is the date of my follow up letter because I didn't get any response from you regarding the dispute of these accounts XXXXXXXX XXXX-acct XXXX and XXXX- acct XXXX. Section 611 ( a ) states that a failure to investigate the items within 30 days gives a reason to immediately remove those items from my credit report it has been well over the time allowed according to the codes and laws so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress that you are causing me. I have included my dispute letters, a utility bill, my drivers license, and my social security card to make sure you know that this is me filing these disputes and complaints. Also, my information was impacted by the XXXX  data breach and probably the wrong person got a hold of my info.

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