BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-21
Company: Experian Information Solutions Inc.
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/XXXX my husband and I filed a chapter XXXX Bankruptcy. We later withdrew our petition and the case was closed. No creditors were harmed based upon our filing and subsequent withdrawal. Since that date the three credit bureaus have had a bankruptcy showing on both of our credit reports. The balance is correct at XXXX dollars but the Bankruptcy should not be showing at all. My husband and I have both disputed this information many times with no luck having it removed for me and only XXXX XXXX removed it for my husband. 
This information is a public record that can not be validated or verified by anyone in the court and therefore should not be on the credit reports. It was also withdrawn so I do not believe We should face the same consequences as a person or people who have filed and gone to discharge on their bankruptcy. This invalid information is causing us harm and making it impossible for us to move forward with our financial future. We have been denied credit repeatedly because of this bankruptcy. I believe this also should have been removed in XX/XX/XXXX when all credit bureaus agreed to remove public records. 
Can you please investigate this and help me get this removed from our credit reports.

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 2019-03-02
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I have a Health Savings Account ( HSA ) with XXXX XXXX  through XXXX/The Bank of New York Mellon for quite a few years. The account has not been particularly active, but during the second week of XX/XX/XXXX I transfered {$3500.00} online into my HSA account and it left my bank account on XX/XX/XXXX. Today, XX/XX/XXXX, I checked online into my HSA account and did not see the {$3500.00} credited. I then called XXXX XXXX and was told that the HSA account was closed by them on XX/XX/XXXX for inactivity. I received no notice from Benefit Wallet of the closing of the account, the representative told me today that there is no notice to me that the account closed, I was still able to go online and contribute to the HSA account that I just learned has been closed almost one year, and I have not been credited back the {$3500.00}.

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 2022-12-29
Company: EQUIFAX, 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 XXXX XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-02
Company: Experian Information Solutions Inc.
State: NC
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:
Experian has willingly neglected to delete and block information on my credit report resulting from Identity theft. They continue to host 30 day disputes which is not in accordance with FRCA guidelines regarding identity theft claims. All information has been provided to Experian through certified letter, prior CFPB claim ( XXXX ), and an existing CFPB claim ( XXXX ). 

An account with XXXX XXXX XXXX XXXX has been placed back on my report after 5 months of it being removed which reflects Experian has failed to block the information which is required by law. It is also out of the 30/60 day of investigation/re-investigation time-frame. 

All information supplied to Experian is attached and shows the multiple attempts to resolve identity theft on my report. XXXX and XXXX handled this matter professionally and quickly. Any further attempts from Experian to only dispute and not delete and Block the  information will result in legal action. FRCA guidelines are attached for use by Experian as they have failed to delete and block the 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 2019-03-26
Company: DISCOVER BANK
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: Credit inquiries on your report that you don't recognize

Complaint:
Received credit report and had some inquires on my account, I tried contacting the credit bureaus to resolve they explained that I contact the company which I did send them letters explaining I did not give authorization to access my my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11
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: Information belongs to someone else

Complaint:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX This is not mine. 

6. Identity Theft XXXX Account Number : XXXX This is 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 2019-03-02
Company: AFNI INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company has place a fraudulent account on my credit report ( per their response ). I do not know them. Nor have I ever done business with them and if I have please provided the contract I signed with your company at the date of origination. The response stated to provide them more information and I refuse to help them do their job. If you cant find my account with my name and the information I provided then please remove your fraudulent account of my credit report before I take further action.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-02
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Encore Capital/Midland Funding LLC Encore acquired the account ending XXXX XXXX in XX/XX/XXXX  going into may according to XXXX XX/XX/XXXX there was never no letter sent to me about the said debt. I also have the copy that I sent XXXX back in XX/XX/XXXX of the said dispute in which XXXX 's kept telling me some one was working on it. If need be my XXXX bill has the calls to XXXX regarding the issue that was at hand. There is this about XXXX 's giving the run around. I see why XXXX is bankrupt due to there customer service. My next issue Encore Capital bought the said debt with no letter or the parent company going back to XX/XX/XXXX of the said bought debt. My next issue will be not to send me no back dated letter in regards to this account. As I said I sent a dispute well befor this account got bought and was in dispute status. I'm also filing with the US Attorney office of consumer rights on this matter. MCM/ Midland Funding/ Encore Capital or who ever owns the account I'm filing on all companies of no letter to dispute and what address it was sent to if there was a letter. XX/XX/XXXX there was a letter mailed out US Postal certified to Midland Credit Management in which there was no response to the dispute or clearing up the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

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 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 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 2022-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE LETTERS FOR REFERENCE

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 2018-04-27
Company: Quality Asset Recovery LLC
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/XXXX XXXX - Invoice paid and should have never been reported to collection or the credit bureaus. Account # XXXX in the amount of {$580.00} XX/XX/XXXX - Quality Asset - medical invoice not mine and should not be reported to the credit bureaus. Account # XXXX in the amount of {$140.00} XX/XX/XXXX- Quality Asset Recovery- invoice doesn't belong to me and should not be reported to the credit companies. Account # XXXX in the amount of {$100.00} XX/XX/XXXX- Quality Asset Recovery- invoice not mine and should not be reported to me. 
account # XXXX in the amount of {$100.00}

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 2018-03-06
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
After pulling a copy of my credit report i notice that the credit bureau was reporting outdated inaccurate information on my credit report in which i requested that it be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21
Company: CCS Financial Services, Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This bill has been paid and it still shows open with a balance and the creditors has not deleted it

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the XXXX credit bureaus on XX/XX/XXXX, 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. Kindly correct or discard the following items right away : XXXXXXXX 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 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 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 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 2023-05-11
Company: HW Holding, Inc
State: WV
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I moved out of XXXX XXXX XXXX XXXX 2021 due to extreme mental abuse and negligence from my roommate and XXXX XXXX. They were negligent in enforcing multiple lease rules that my roommate was blatantly breaking, and in turn made continuing to live there, impossible. Now the debt collector, Hunter Warfield, has been harassing me by phone and letters in the mail ever since, for the remaining rent debt of {$5300.00} that I absolutely refuse to pay. They have threatened to sue me and put me in XXXX if I do not pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15
Company: TD BANK US HOLDING COMPANY
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:
I was an authorized user on my father 's target credit card. He passed away. I never gave my permission and did not know I was authorized for this card. I never used the card. 

Target credit card has told me I am responsible for my late father 's debt on two separate phone calls. This is false and illegal to tell me that I'm responsible when in fact I am not. They have added derogatory information on my credit report that took my score from XXXX to XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
THIS IS EMERGENCY BANK OF AMERICA PRE-PAID CARD USE BY XXXX EMPLOYMENT -UNEMPLOYMENT INSURANCE BENEFIT, I HAVE CALL I HAVE SENT LETTER TO XXXX XXXX XXXX, MANY CALLS THEY HAVE CLAIM THE SENT E-MAL TO BANK OF AMERICA UNLOCK CARD THEY SENT E-MAIL WHILE I WAS ON PHONE I HAVE CALL TO FRAUD DEPARTMENT THEY CONTINUE CLAIM THEY HAVE NOT GOTTEN ANY E-MAIL THIS IS MY UNEMPLOYMENT IT DO NOT TAKE 2-MONTH UNLOCK YOUR CARD MY UNEMPLOYMENT CONTINUE SENT EVERY WEEK TO BANK OF AMERICA PRE-PAID , XXXX XXXX XXXX XXXX - REPORT FRAUD OTHER PEOPLE UNEMPLOYMENT WAS GOING IN PEOPLE PEOPLE BANK ACCOUNT WHEN SOME HAD NEVER APPLY FOR UNEMPLOYMENT I DO ID ME SHOW I WAS XXXX XXXX XXXX HAVE COMPLETED EVERYTHING THEY SEE MY DEPOSIT CONTINUE BEGIN DEPOSIT ON PRE PAID CARD I SENT EVERYTHING XXXX XXXX THEY ASKING DO HAVE PERSONAL BANK ACCOUNT I DO NOT IT SEEN BANK AMERICA PRE-PAID CARD DISCRIMINATION BUSINESS SCAM IT DO NOT TAKE 31 DAYS UNLOCK A CARD WHEN YOU CALL ONE AGENCY TOLD ME SHE WAS TOLD NOT TALK TO ME IT'S HARD LIGHT XXXX WARTER CUT OFF I NEED MY FUND SOON AS YOU GET MY COMPLAINT WHEN SOME ONE HOLDING UP YOUR UNEMPLOYMENT IT NOT GOVERNOR THEY SAID YOU ID THE LOCK DOWN MY FUND SOMETHING NOT RIGHT.

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 2019-03-26
Company: EQUIFAX, INC.
State: PA
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:
In XXXX of 2016 I opened a XXXX XXXX XXXX  account which due to life circumstances did default. There was a balance and I paid to have the item removed from my credit report as a negative item as the debt had been satisfied and this did not occur.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30
Company: EQUIFAX, 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:
Filed a dispute with the three credit reporting agencies, XXXX, Equifax, and XXXX. I disputed information contained in my report. The information is from XXXX a collection company phone is XXXX. This collection account is on two reports. XXXX  and XXXX.. Its not on Equifax. I called the creditor and they said I had to call the credit agency to get them to remove the item from my report. The dispute results came back without it being removed. It is being reported as if its a current collection account and it is not. Last date reported was XX/XX/19 on Experian and XX/XX/19 on XXXX. This is damaging my score and hindering me from getting the credit I am seeking to obtain. Also there is a " DISMISSED '' Chapter XXXX case number XXXX on all three reports and it has been 6 years. I am not understaning why a " DISMISSED '' bankruptcy is still on my reports. I did refile the chapter XXXX and it has a different case number. That one is " DISCHARGED '' so I understand why it is there. But not the " DISMISSED '' one.  Why is the law allowing this if at all. I have disputed this called the agencies to no avail to get these items removed from my credit report. I need your assistance please. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: Sunlight Financial LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
They are the financier of our XXXX XXXX  XXXX, XXXX. XXXX never finished the installation that was contracted. They paid XXXX in full without any verification of completion of the project. XXXX filed XXXX  XXXX a month after they were paid. I have been stuck with a solar system was never completely finished! The work from XXXX was not professionally or competently done. I have been left in a position to finish the project myself. Lost also was the bumper to bumper 25 year warranty XXXX provided. I wonder if those involved with XXXX also have financial interests with sunlight financial which allowed them to take the money and run

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26
Company: Media Collections, Inc
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This is a duplicate Debt Collector XXXX XXXX referred, the first one XXXX XXXX deleted it from my Credit Report once I showed proof of payment through by bank. 


In XX/XX/XXXX I signed up with Telephone/Internet/TV with Service Provider Name : ( XXXX XXXX ) also made a Security Deposit of at least {$150.00} which was never returned, I also contacted XXXX by telephone to discontinue service end of XX/XX/XXXX, because I was moving and also paid by bill of XXXX, XXXX which I should have received an Refund!

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 2020-11-25
Company: EQUIFAX, INC.
State: MN
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: Problem with personal statement of dispute

Complaint:
I received a letter stating the information sent to the credit bureaus was correct, but they did not provide me with the documentation to verify the late payments. According to the FCRA as a consumer it is my right to receive supporting documentation if the late payments were in fact verified which has not been provided. Provide me with documentation of these late payments to address provided. I have also provided proof of FCRA violations if a resolutions in not agreed upon.

Company response to consumer: Closed with explanation