BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-22
Company: Experian Information Solutions 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:
Good Morning! Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.

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 2023-03-09
Company: TD BANK US HOLDING COMPANY
State: CA
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:
Nordstrom.com put a negative mark on my credit for payment return from my bank. This was in 2021 during covid and I did explain to Nordstrom at the time that my bank card had fraud done so my bank put a stop on payments and Nordstrom happen to be one of them. This happen twice. Each time I let Nordstrom k ow what was going on and when bank was cleared I did make the payments. Nordstrom still put this on my credit and refuses to take it off. I want this off my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02
Company: PNC Bank N.A.
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XX/XX/2019, three separate PNC checking accounts were opened fraudulently in my name and fraudulent checks were deposited. Those accounts were subsequently closed by PNC bank and PNC bank proceeded to report the fraudulent activity to XXXX XXXX XXXX as fraud on my part and not the act of fraud by deception and/or identity theft from a third-party.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12
Company: Westlake Services, LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
I financed a car from US Auto Sales on XX/XX/2021, I've been making payments then the company shut down. Now I've been contacted by Westlake financial saying I have to pay them for the vehicle, US Auto Sales did in house financing I didn't sign any paperwork for Westlake financial to get the vehicle. I am stuck in this horrible situation and don't know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
According to ARS COLLECTION SERVICES, there is a debt under account # XXXX for ( {$1000.00} ) and account # XXXX for ( {$740.00} ) .These accounts were previously disputed 3 times with all 3 credit bureaus. The accounts were never validated and yet they still remain on my credit report. I never had any services rendered from ARS for them to collect a debt from me. ARS COLLECTION SERVICES failed to validate the debt by providing me with a breakdown of charges, diagnosis, and/or procedure for services rendered. In addition, the original creditor, XXXX XXXX XXXX released my medical records to this third-party collection agency without my knowledge or a signed release authorization. My HIPAA rights have been violated and I demand you close and remove this from my credit report immediately or I will take legal actions on this matter.

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 2018-05-07
Company: ASSOCIATED BANC-CORP
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Associated Bank has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
A company called Portfolio Recovery Assistance has been calling me every day for the past six months or more regarding a debt they acquired from another shady debt collector. 

This company calls me several times a day throughout the day from multiple numbers from different states below you will find a a list of numbers that I was able to collect recently. I have asked that they please stop calling, but they refuse to do so. 

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 Your assistance with this matter would be greatly appreciated. 

Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I did not authorize consent to nor benefit from any of the following account ( XXXX ). Block and Remove

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 2022-02-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Hello, my name is XXXX XXXX this is my third attempt trying to obtain my consumer report from TransUnion. I am using the CFPB in hopes to obtain my consumer file and report from TransUnion.

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 2018-04-11
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I had by bank pay navient the monthly payment XXXX they paid on XX/XX/2018 I saw that navient didn't post it and had my account as late and added late charges. My bank called them and they said they got the payment but not sure why it didn't get credited to my account. Now it's a month later and nothing has happened except they keep calling and asking for payment..they say I should be getting the refund through the mail they can not put it thru my account. They have my money And I want it back so I can pay them. What should I do

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
Company: Radius Global Solutions LLC
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:
XXXXXXXX XXXX case # XXXX. 
Account # XXXX XXXX XXXX  is charging me {$350.00} for a service I cancelled and was not using. I have reached out to the company on multiple occasions. 
I am currently contacting the police to get data from the XXXX XXXX towers. To show that their wifi has not been in use. I am contacting my brother who is in XXXX to provide proof of when he started service with XXXX  at our home. I am also waiting on XXXX to send the billing statements as a courtesy to show proof that I never missed a payment since 2017. I also have an email proving I said to cancel and also a shipping label that they sent out for their equipment, yet I was still being charged for this account. No one cares to assist me with this issue at the XXXX XXXX company. They stated to me we dont see a cancellation call request. Despite of all this proof and evidence. Im escalating it now. This {$350.00} is an unjust charge.

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 2022-02-18
Company: Experian Information Solutions Inc.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I did not consent to authorize nor benefit from the following account ( XXXX ). Block and Remove

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 2023-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I submitted a letter to the Credit Bureaus to delete these suspicious items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT and I'm including them again. 

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 non-monetary relief
Consumer complaint received 2017-06-28
Company: Experian Information Solutions Inc.
State: NY
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:
On XX/XX/XXXX, I sent a letter to Experian stating that they were not reporting a credit card that I 've had for about a decade, which has been used every month and which has been paid in full every month. <P/>Last week I received a letter stating that they have resolved the issue. However, on the form they sent me, the credit card ending in XXXX still does not appear. I assume that this will continue to effect my credit report with them, as it would suggest that I have n't had any credit history in several years.

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 2017-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My name is attorney XXXX XXXX XXXX, I contacted XXXX XXXX XXXX to help with a pro bono case in which I 'm representing a relative who has experienced a financial hardship. XXXX XXXX XXXX required that I file a power of attorney with the bank prior to discussing any of my client 's account information. Thus, I filed a power of attorney. 

It has now come to my attention that XXXX XXXX XXXX has improperly added me without my consent as an authorized user on my client 's account in question ( XXXX ). I did not authorize and or provide my social security number, but was just alerted that the account in question is now appearing on my personal credit profile. I was just denied refinancing on my mortgage because of this unauthorized credit reporting by XXXX XXXX XXXX. 

It is my opinion that XXXX XXXX XXXX has violated the Fair Credit Reporting Act. I require that XXXX XXXX XXXX immediately remove this information from my credit profile. It was explicitly clear in my power of attorney letter to XXXX XXXX XXXX that I represented my client specifically as to the financial hardship with the purpose of resolving past due payments, and at no time did I request to be added as an authorized user. I believe XXXX XXXX XXXX 's operational procedures are skewed and that one of  the front line agent 's improperly added me as an authorized user and subsequently damaged my credit profile. 

Again, my communication with XXXX XXXX XXXX was very clear that I was ( 1 ) representing my client in attempt to resolve a financial hardship and ( 2 ) did not provide any consent to be added as an authorized user. I want to bring this to the attention of the CFPB, as I believe there are operational issues within this bank, that can lead to violations of the Fair Credit Reporting Act.

I will also be invoking any legal rights I may have in pursuing damages outside of this complaint process, not limited to but including litigation.

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 2023-07-10
Company: Experian Information Solutions 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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2018-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Advised all three credit bureaus on numerous time that I am a victim of identity theft and need accounts removed from my credit files and its been over a year and they are still reporting invalidly on the following accounts : XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX these accounts need to be deleted immediately.

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: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Problem with personal statement of dispute

Complaint:
I wasnt approved for a SECURED Bank of America credit card, eventhough I have been approved in the past.

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 2023-07-10
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I appreciate your taking the time to DELETE some of the erroneous inquiries in my credit file ; however, there are still many unverified inquiries that need to be DELETED. The credit bureaus must verify these inquiries under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed inquiries be DELETED immediately. 

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 2020-09-22
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX was paid off via a settlement of 80 % of balance using my debit card which charges cleared the next day. I was told the balance of {$640.00} would be removed from my credit bureaus and would indicate paid in full within 10 days of payment made. As of this date XX/XX/20, this balance of {$640.00} in collections is still showing. I have disputed it with the credit bureau but that has not worked. I am working hard to recover my credit derogatories due to illness. Please assist me if 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 2022-02-18
Company: Nationwide Credit & Collection, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
NATIONWIDE CREDIT & CO reported a collection on date XX/XX/XXXX and the last reported was on XX/XX/XXXX for the amount of XXXX XXXX that i never owed to that company and is charging me for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30
Company: Experian Information Solutions 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:
In my credit report is not showing my mortgage loan update ; shows as closed but I am paying my mortgage every month. I called XXXX and they said that I must call my lawyer ; I called my lawyer and she said that they never return the letter that she sent them saying that mortgage wasnt included in my bankruptcy.

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 2023-07-10
Company: Experian Information Solutions Inc.
State: MD
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 is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-07-10
Company: Experian Information Solutions 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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2021-06-25
Company: CITIBANK, N.A.
State: NY
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 a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

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