BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-26
Company: National Credit Systems,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: Problem with personal statement of dispute

Complaint:
I have a Collections on my Credit from National Credit Services for XXXX XXXX XXXX XXXX from 2018, since I didnt give a 60 day notice Because I Thought it was a 30 day notice but the amount they say I owe {$1700.00} is outrageous also the only proof they have has changes to it without my initials next to it Im sure it was changed without my knowledge I also have proof from the cooperate office that the amount that they gave is incorrect I have explained and they will not remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
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 is missing that should be on the report

Complaint:
Im simply disputing my credit scores that have been grossly deflated by the Credit Reporting Agencies and have been reported that way for over 2 years by these same Credit Reporting Agencys. They have been reporting grossly inaccurate information that has caused great HARM to my family and I and continue to do so. Theyve done nothing to fix this.

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 2022-11-16
Company: EQUIFAX, 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:
This is the several time I've complained about being a victim of identity theft. The XXXX credit bureaus must remove any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


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 response to consumer: Closed with explanation
Consumer complaint received 2021-07-25
Company: Westlake Services, LLC
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Westlake financial is doing perjury fraud and embezzlement and consumer credit debts ACH deductible accounts getting paid without permission using someone's credit identity theft in laying on my credit report said i purchase. vehicles that I never even ran my credit for and then they're going after my dead deceased father estate repossessing cars that was already paid for under his credit lying about giving the consumers this XXXX XXXX back in a civil lawsuit someone needs to release the feds after them recommended auto insurance fraud as well as consumer fraud my credit score is XXXX now because they been doing it for 4 year now over my estate

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I had a checking account with Bank of America, that was closed due to " suspected '' fraud activity. Bank of America explanation of the alleged activity was not sufficient and I denied the allegations. They still elected to close the account and further report the reason to XXXX And XXXX. <P/>I have attempted on several occasions to remedy the situation as I 100 % do not agree with the account being closed and furthermore the negative trade line that was listed on XXXX and XXXX. <P/>To date, I have sent two emails to the CEO. I have mailed two letters to the account closure department and I have also spoke to someone in the credit reporting department for Bank of America. <P/>All these departments are unwilling to help with the situation. I have explained in the great detail of what happened and also explained that the negative and unproven item being reported To XXXX and XXXX has hindered me from joining other banks and moving on. I have requested they remove it with each communication. Their response has been a firm " no. '' It is really unfortunate that even the CEO office has not even taken the time to discuss this 4 year old situation with me and bring a resolution to 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 2023-04-28
Company: Blakely-Witt and Associates, 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 status incorrect

Complaint:
Rented apartment and they lost two money orders in two months so we were needing to move as they did not want to wait on payment of both. They took us to court, there was court judgement for SPECIFIC AMOUNT. XXXX. COURT! About a year or more after this company for management went out of business, this COLLECTION agency seems to have purchased docs and are trying to EXTORT the amount for entire lease which is not legal. When there is a court judgement for specific amount. The COURT has said this. We have spoken to COLLECTION company who is EXTORTING us and keeping this on our credit report many times and sent them the court order. They REFUSE to remove. At this point, the debt is over 6yrs old! From the ORIGINAL timing not the time they purchased papers. We want this removed or at the very min for this amount to be what is CORRECT BY COURT!! We moved in XX/XX/2017!! Again the amount the COURT ordered was paid. There should not be a way a COLLECTION company can purchase paperwork and try to charge you nearly XXXX for time you DID NOT LIVE at a complex!!!! The debt collection agency is XXXX XXXX and XXXX. - original creditor was XXXX at XXXXXXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25
Company: Radius Global Solutions LLC
State: KS
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Radius Global recently reported a medical bill on my credit report. Prior to reporting this bill on my credit report, they did not send me a 30 day notice to dispute. I am certain my insurance paid this bill, yet I was never given the opportunity to address this issue before Radius Global reported this item.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-30
Company: Santander Consumer USA Holdings Inc.
State: TN
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am aware of my rights as a consumer and it has been brought to my attention that my rights have been violated with this company in the past. I have been violated under the Fair Debt Collection Practices Act ( FDCPA ), Fair Credit Reporting Act ( FCRA ), The Truth In Lending Act ( TILA ), and the Fair Credit Reporting Act ( FCRA ). For years I made payment towards this debt when in fact I did not owe. I am the original creditor. Santander is not the original creditor. Santander is a debt collector 15 U.S.C. 1692a ( 6 ), any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another ). 
I extended my credit and filled out and submitted a credit application to create this debt. I used my credit card number on the credit application. Credit from my open-end credit plan funded this consumer credit transaction. Unauthorized use occurred as defined in 15 U.S.C. 1602 ( p ), ( as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. ). For years I continuously made payments towards a debt that was already paid yet was harassed, threatened with late fees, potential repossession as a result of missed payments, etc. 
At the time I created the debt my name was different. I have since had a legal name change. So the account associated with my SSN will reflect my former name. 
I am enclosing a copy of a credit report which shows Santander reporting. I paid the entire {$10000.00} balance in full. If this matter is not resolved I will have no other choice but to file a civil suit against XXXX in Federal Court for discrimination under the Equal Credit Opportunity Act because I am exercising my consumer rights under this chapter. Pursuant to 15 U.S.C. 1691 ( a ) ( 3 ), ( It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transactionbecause the applicant has in good faith exercised any right under this chapter. ). 
I look forward to your full cooperation in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: Experian Information Solutions 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:
I am sincerely pleading with you to remove this entry from my credit report as it is not mine and is completely fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness. I implore you to conduct a thorough investigation and take prompt action to rectify this error. Please remove this inaccurate information from my credit profile as soon as 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 2022-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 am kindly seeking the CFPB help in getting these disputes resolved. Because your service as been great in the past, so thank you in advance. XXXX and TransUnion has created more financial hardship for me eversince I ask them to properly investigate the errors they reported on some closed accounts. But XXXX responded through email totally disregarding the method I used originally to contact them through mail and not providing the information I requested. There are four ( 4 ) closed accounts XXXX account # XXXX, date opened XX/XX/XXXX. XXXX account # XXXX, date opened XX/XX/XXXX. XXXX account # XXXX, date opened XX/XX/XXXX. And XXXX XXXX account # XXXX date opened XX/XX/XXXX, all have wrong credit limits with each credit bureau, the debt balances were only listed once and there was no full creditor information or current inquiries matching these accounts. which were closed because I wasn't responsible for them. XXXX conceded to the request and removed those negative accounts I listed before with any friction, so I don't understand why XXXX and TransUnion can't follow suit.

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 2019-01-10
Company: CITIBANK, N.A.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XXXX needs to terminate its collections activities and remove its entries off of all credit bureaus as this debt is now beyond the Illinois Statue of Limitations of 5 years. Citibank and XXXX have already issued XXXX in both XX/XX/XXXX and XX/XX/XXXX for other debts because all my credit card problems started when I defaulted on all of my debt in the final quarter of XX/XX/XXXX. I have been harmed and denied credit because of their actions. I disputed this via XXXX XXXX and I received the attached scan saying that the debt was valid. 

In addition, they illegally served my father with the same name as me ( XXXX XXXX ) with papers to go to court in XXXX County Illinois. My father suffers from XXXX/XXXX  and had to go to court to to demonstrate that he is not me. My family tried to explain to the process server and the company that he is not me, but they would not listen. My brother who was a XXXX county sheriff police officer had to accompany my father to court because he was not able to go on his own! This was a very upsetting experience for my father, and he suffered XXXX XXXX XXXX from the entire situation. This company should be sanctioned for these actions and I would gladly cooperate in any proceedings against 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 2022-06-15
Company: Associated Credit Services, Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
ASSOC CREDIT SERVICES XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious ASSOC CREDIT SERVICES XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In XXXX  XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX XXXX # XXXX XXXX XX/XX/2000 CURRENT ADDRESS XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: American Credit Acceptance, LLC
State: MD
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I had a vehicle financed through American Credit Acceptance. I purchased vehicle in XXXX of XXXX. I have made on time payments for the past XXXX years. On XX/XX/XXXX, my vehicle was damaged and was determined to be a total loss. My wife spoke with a representative with American Credit Acceptance in regards to working with both our car insurance carrier and the company we purchased the car from. We were informed that the representative would work on our case and that we would be notified with a decision. We did not hear anything after that point. We are in the process of purchasing a home and on XX/XX/XXXX, we found out from our loan officer that American Credit Acceptance had posted a late payment on my credit report. I was shocked to learn that there was a remaining balance on my totaled vehicle and that a payment was delinquent. I had not been contacted with any of this information. My wife called American Credit Acceptance today ( XX/XX/XXXX ) explaining that we have made on time payments for 2 years and that we were unaware there was a balance owed. My wife requested that the late payment status be waived and removed from my credit report because we have always been on time with our payments. She made them aware that this late payment status was affecting our ability to close on our new home. My wife was told that there was nothing the company could do. The company stated a letter was sent on XX/XX/XXXX explaining there was still a balance. My wife let them know we had not received any letter. If we had, we would have made payments again. The representative for the company acknowledged that we had not received the letter and offered to have it emailed instead. She was then told that we could file a dispute with the credit bureau that could take XXXX business days to resolve. My wife told the representative that the time frame was too long, as we are closing on our new home at the end of the month. The representative stated there was nothing else the company could do. I feel we are being penalized because the company did not follow up with us about our total loss claim as promised. I have impeccable payment history with this company. The " late payment " status is a result of poor communication on behalf of American Credit Acceptance. This decision could jeopardize my family 's housing situation as we must leave our current residence by the end of the month ( XXXX XXXX ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-15
Company: Dynamic Recovery Solutions, LLC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had 100 % financial assistance for XXXX XXXX. I have spoken to a lady at Dynamic Recovery Solutions who told me it's not their problem and wants me to pay it. I offered to send her the letter I got from the hospital proving this debt was not owed but she just kept arguing with me telling me she could set up a payment plan. I don't want a payment plan for a debt that isn't owed. I want it off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: Experian Information Solutions Inc.
State: PA
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:
In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2023-08-22
Company: Experian Information Solutions 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:
I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2019-10-20
Company: Bread Financial Holdings, Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I just received 5 phone calls from Comenity Bank between XXXX and XXXX XXXX on Sunday morning XX/XX/19. They usually call me in excess of 5 times every day. I do not usually answer these calls, as is my right.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-30
Company: SYNCHRONY FINANCIAL
State: MI
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 could not find the proper issue Im having. During the 2020 year of pandemic, I put all my cards to minimum pay because of all the uncertainty happening. Mind you Ive never missed a payment, or was I late with payment. My score went from almost XXXX to XXXX. This made it impossible for me and my young family to get into a house this year. I recently payed my dept off and my score is the same. But XXXX forbid you miss a payment, they will drop it by 50 points. I got turned down for a car and a house that me and my family are in need of. Can we please get an explanation of why the credit companies were even allowed to mess with your credit during the pandemic year??? I have XXXX small kids that need a home and Im not given a shot to buy a home because of rotten and greedy credit companies.

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 2016-06-28
Company: Credit Plus Inc
State: CA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
this company showed up on my credit XXXX XXXX, 2016, I did n't authorize this XXXX XXXX Misc. 
Creditor Contact Details CREDIT PLUS XXXX XXXX, MD XXXX ( XXXX ) XXXX report on XXXX/XXXX/2016. I did n't apply for anything with

Company response to consumer: Closed with explanation