BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-28
Company: EQUIFAX, INC.
State: PA
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:
on XX/XX/2020 i sent letters out to the credit bureaus to verify inaccurate information reporting on my credit report. after waiting for 60 days for a response which never came i sent another letter on XX/XX/2020 asking the credit bureaus to reply to my request to verify the information on my report. it is now XX/XX/2020 and i still have not received a response from either credit bureau. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. The credit bureaus are clearly violating my rights

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
on XX/XX/2020 i sent letters out to the credit bureaus to verify inaccurate information reporting on my credit report. after waiting for 60 days for a response which never came i sent another letter on XX/XX/2020 asking the credit bureaus to reply to my request to verify the information on my report. it is now XX/XX/2020 and i still have not received a response from either credit bureau. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. The credit bureaus are clearly violating my rights

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
Company: LEXISNEXIS
State: IL
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:
Lexis Nexis is still reporting a bankruptcy on my report in which I have never filed a bankruptcy. The courts said they do not furnish that information to the credit bureaus. Lexis Nexis has my ID and SSN and they are still reporting based on name and address only.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I reviewed my credit report, and i noticed there was an account i did not authorize. The accounts was sent to rash Curtis and is now a collection on my credit report. I sent my necessary documents to rash Curtis in order to dispute this item. After receipt I called them to get an update and they said I set up payments. I did not because I didn't never open this medical account. My identity was stolen. Rash Curtis said they needed more time to investigate, but I haven't heard anything. I am trying to purchase a home and I need this fraudulent account to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
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: Account status incorrect

Complaint:
Hi my XXXX loans are up to date and they are showing delinquent. Please see attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: Resurgent Capital Services L.P.
State: SC
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:
in XXXX i had a XXXX  XXXX visa card they sent it to me with a {$300.00}. credit limit then i got a bill for $ XXXX.they charged me {$240.00}. in fees which left me with a {$60.00} credit limit i never used the card. here it is now XXXX and i get a rude email from resurgent capital services saying they just purchased my old account in XXXX and now i owe them $ XXXX.in fees and to add them to my email account cause they will be contacting me constantly until i pay them. this account is over 11 yrs old every yr i pull my free credit report and has been since XXXX i have my credit report from XXXX it is on the report can you please stop them from re-aging this 11yr old debt and putting it on my credit report i know what they are doing is illegal I had contacted them but they say they just bought it last yr i am disabled and on a fixed income due to a injury i had to file bankruptcy to keep my home which im currently in i don't need this 11 yr old debt showing up on my credit report the account is XXXX reference code XXXX and i don't need them calling me and emailing me or putting this old acct on my credit for 7 more yrs that would be a total of 18 yrs about this 11 yr old account i know the statue of limitations is 7 yrs please help me thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03
Company: Community Health Investment Company, LLC.
State: AR
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:
COLLECTOR FAILED TO PAY OFF LIEN AS AGREED.ACCOUNT XXXX XXXX XXXX {$3000.00}. SEE ATTACHED. PAY OFF AND PROVIDED RELEASE OR FACE CLASS ACTION LITIGATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-28
Company: Comerica
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Hi CFPB, I recently had an account with Comerica Bank which was closed on XX/XX/2020. However, on the day that Comerica had closed my account, I had transferred {$500.00} from my XXXX XXXX account to the Comerica Bank account, which successfully was withdrawn from my XXXX XXXX account. Comerica Bank, on repeated occasions, has denied having ever received my {$500.00} and has been extremely uncooperative in helping me locate where the money is. They have also refused to work with XXXX XXXX  and will not reach out to XXXX XXXX to resolve the matter. 

As of today, XX/XX/2020, I have not been credited back my {$500.00} to my XXXX XXXX account as XXXX let me know that Comerica has not returned the money that was transferred to Comerica on XX/XX/2020. If the CFPB can help to look into this matter and help coordinate the return of my {$500.00} between Comerica and XXXX, that would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-28
Company: Experian Information Solutions Inc.
State: TX
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 spotted some discrepancies between reality and what happened in such credit report. Being said that, I have never applied for XXXX credit card. So XXXX Inquiry on XX/XX/2020 is not resulting from my personal action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: Checkr, Inc
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XXXX reported a violation on a background check that wad well over 7 years. They processed a background check disclosing a charge from a XXXX  almost nine years old the background information came from XXXX XXXX XXXX XXXX. The arrest was from XXXX with a XXXX set aside and is still being reported on a background check to checr for the company XXXX in XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: CBC Companies, 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:
Regardless of the multiple written requests, the unverified account listed below are still reporting on my credit report in violation of federal law. The Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove this account completely from my Credit Reports. Ftc attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10
Company: Bread Financial Holdings, Inc.
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I had complained to XXXX XXXX and filed a complaint with CFPB regarding to fraud and activity on my XXXX XXXX store card. XXXX XXXX sent a notice that it would be resolved within XXXX days since XX/XX/XXXX. It has been XXXX days and it hasn't been resolved however they are trying charge me monthly charges of {$27.00} and the available balance is still wrong and fraudulent.

As you will review in XX/XX/XXXX statement I have a balance of {$500.00} and then in XX/XX/XXXX there is a balance of {$390.00} which I didn't make any purchases. On the website they have a charge of {$140.00} and a balance of {$100.00} out of {$500.00}? ( See attached ). This is stressful and causing me anxiety and XXXX XXXX responded to CFPB and I however refuse to repair or fix this issue after waiting for XXXX days ( See Attached ). XXXX is continuing to be fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XXXX XXXX, XXXX I received a notice from XXXX that there was a new inquiry on my credit report. I investigated and found a credit application was opened. So I called XXXX to confirm that this had been approved and opened in my name and I did not submit this application. They did close the account but trying to get more information about how to protect my account was extremely difficult This is now the fifth time this has happened to me. The other four times the application was denied and but this time they finally got the application to go through. I do n't understand how this keeps happening. I have called each and every time to report this, filed police reports each time, put XXXX on my accounts, etc. I am fed up with Synchrony Bank and how they allow this to continue to happen. For how large of a bank they are, they are not out to protect their consumers. They push applications and never check fraudulent reports. I am thankful for XXXX letting me know first so I could get the ball rolling and take care of 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 explanation
Consumer complaint received 2021-07-19
Company: Conn's, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Company calls both me and emergency contact 8 times a day, 7 days a week, from XXXX to XXXX anytime i miss a payment by 2 or more days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
There is a fraudulent account reporting on my credit report. This account was already removed from my XXXX report because it is proven to be fraudulent. I have submitted a complaint with the FTC in in regards to the XXXX account on my report. Please remove this fraudulent account from my report. Thank you so much for your help during these troubling times.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
Company: EQUIFAX, INC.
State: OH
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX XXXX Account name : # XXXX XXXX XXXX XXXX XXXX Account name : # XXXX, 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13
Company: CITIBANK, N.A.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have 4 accounts with XXXX XXXX XXXX and they refuse to work on a pay off they want a down payment of XXXX and I told them I can only do XXXX as a down payment and a monthly of XXXX which is what they asked or XXXX which is what I offered and they refused ... .. They are not working in good faith for a difference of only XXXX dollars that they can break up over into the payments. Mind you THEY OWN THE DEBT which they bought from the creditors .... I refused to be pushed into such a big downpayment, so I hung up on them ... ..PLEASE Help because I want them to accept the settlement and delete this off my credit as they stated they can do.

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 2021-03-26
Company: WELLS FARGO & COMPANY
State: DE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Earlier in XX/XX/XXXX, I noticed that Wells Fargo closed my existing card with them due to inactivity. I wish I had used the card earlier to keep the line open, but I didn't. I believe the card was marked as Closed by Consumer ( Compliance Condition Code XA ) but should have been marked as Closed Due to Inactivity ( Special Comment CI ). This might be implied from the above, but I manage a bank 's credit reporting program. So if that could be fixed, I would appreciate that. But that's not the basis for the complaint. 

On XX/XX/XXXX, I applied for a Wells Fargo card as I want to continue my relationship with XXXX. I was denied - I've never been denied for credit, ever. I have deep lines going back ~14 years, no debt other than my mortgage and a small XXXX student loan ( so, no revolving debt ), no delinquency, ever, and overall I am in no way a risk. Depending on the scoring model and CRA used, my scores are > XXXX, many are above XXXX. I take extremely great pride in my credit. 

I called in and asked XXXX to reconsider the denial that same night. I spoke to a sales agent - I asked to speak to a judgmental underwriter, and was advised that someone would contact me. 

Then, on XX/XX/XXXX I called in again, and was told the same thing. 

Then, today ( XX/XX/XXXX - as I am writing this ) I was told that the app was recon 'd, and the recon was denied. No one called me from judgmental underwriting. And then I was told that there are no underwriters that call customers. Also, the customer sales rep sounded like he didn't even want to be working, didn't care about my issues, and overall was just in a hurry to get me off the phone. He advised me roughly 20 minutes ago that he would transfer my call to an escalations specialist, and I am still on hold - silence, and no one has answered. 

I'm beyond frustrated with this originations process and the lack of transparency with applying for this card, and the fact that I can't speak to anyone in underwriting at XXXX regarding the matter. If someone would actually just look at my XXXX  file ( I believe you pulled XXXX ), then you would clearly see I am a 0 % risk.

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 2022-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX 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

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 2023-03-31
Company: Auto Advantage Finance, LLC
State: OK
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:
Auto Advantage Finance Group was notified by me in XXXX of XXXX that my auto loan had not been reported to the credit bureau. I talked to several people and the issue was not resolved, I was told and it says on their website that they would report my payments to the credit burea. On XX/XX/XXXX I emailed them concerning the same problem. I got an email right away stating that they had sent an update to the Credit Bureau on XX/XX/XXXX. I waited a few weeks and asked again if the problem had been solved due to the fact that it was not showing on my credit report. They emailed back and said that it would be the end of XXXX beginning of XXXX before it showed anything. Then they stated they could not do anything to help me, so I would have to do to it myself. I made phone calls and was told they had to report it, so I had no choice but to report them. I have been paying on this vehicle since XXXX of XXXX and have nothing to show for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13
Company: Focused Recovery Solutions, Inc.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Focus Recovery Solutions : never notified of the debt. Was notified of amount owed by DR office in XXXX paid directly to DR office in XX/XX/2019 was placed on my Credit Report by FRC on  XX/XX/XXXX in the amount of {$350.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
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 urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Accts in question : *PORTFOLIO RECOVERY A ( acct XXXX ) {$580.00} XXXX XXXX XXXX ( acct XXXX ) {$700.00} I have never done business with PORTFOLIO RECOVERY A nor XXXX XXXX XXXX I am showing 2 accounts for which I am requesting debt validation to include the following : What the money you say I owe is for? 
Explain and show me how you calculated what you say I owe? 
Provide me with copies of documents that show I agreed to pay what you say I owe? 
Prove the Statute of Limitations has not expired on this account?

Show me that you are licensed to collect in my state?

Provide me with your license numbers and Registered Agent or Agent of Service?

please note, a copy of any bill does not VALIDATE the debt thats being reported. This reporting has caused me tremendous grief in my attempt to purchase a home. I need this fixed immediately. i will need all document requested above at this is my 3rd time requesting information from each of the companies.

Company response to consumer: Closed with explanation