BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-04
Company: Experian Information Solutions Inc.
State: TN
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 writing this because I am a victim of identity theft, and I am demanding that all inaccurate and incorrect information included on my Identity Theft Report and this complaint be removed. I submitted a complaint to the Federal Trade Commission already with no response. Based on my knowledge of the FCRA, 15 USC Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer information that resulted from an alleged identity theft, not later than 4 business days after the date. 

Because of this law, ExperianXXXX  and XXXX are currently in VIOLATION of this law and are required to delete all negative items detailed in this report and/or pertaining to a dispute via their portal. As a result of their negligence Ive since been denied for new lines of credit, services etc. This is a directly affecting me and costing me more money and time.

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 2022-10-04
Company: Monterey Financial Services LLC
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
we are getting calls and documents in the mail from a collection agency trying to collect for a timeshare that we cancelled ... .we are no longer responsible for this debt.

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 2018-02-07
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
They do not have a legal contract with me. In the US law encyclopedia, American Jurisprudence, 73 Am Jur 2d. Sections 90-93 ; it says that one can not subrogate onto a contract that they were not originally on, did not have any interest to protect, and then claim successor in rights and interests. Thus, when an original credit sells the debt, they give up their rights to collect on the debt, BUT they do not give those same rights to the collection agency. The collection agency can not act as a substitute for the original creditor. Therefore they keep trying to collect a debt which is not theirs. They have nothing stating that this is there debt. Attempt of validation is not valid. They are not on the orginal contract. I did not receive validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have sent several dispute letters to Transunion, and they continue to send me stall letters and not provide results. I have sent them all the documents they need several times, and they continue to stall.

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 2020-08-29
Company: Experian Information Solutions Inc.
State: LA
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:
This account had been deleted by experian and it has the wrong ssn on this account and the wrong balance. 
Also this account has never been verified the bureau has only sent me a copy of a bill this is not validated that the debt belongs to me or that they own this debt. 
This account keeps coming back which is violation since I never get notified

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 2018-03-29
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
While doing my weekly credit report check on XXXX XXXX, I found a collection on my account which was odd because I pride myself on not owing anyone ( accept XXXX XXXX but thats another story ). 

It says the original creditor is XXXX XXXX, but I've never signed up for cable. I don't even watch cable television because I have XXXX. For it just now to be going to collections, someone must have signed up for something in my name earlier this year ( {$76.00} balance - opened XX/XX/2018 according to XXXX XXXX ). I don't understand how or why someone could do this, this technology world we live in just is not safe anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
XXXX XXXX XXXX # XXXX is reporting a balance on an account to my credit that should not be there. I paid this off a while ago and it should not be reporting a balance to my credit and it needs to be removed.

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 2018-02-07
Company: BB&T CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
ON XX/XX/17 I SPOKE WITH A PERSON FROM XXXX XXXX AND THEY EXPLAINED A PRODUCT THEY WANTED TO SELL TO ME. I TOLD THEM TO LET ME THINK ABOUT IT AND GET BACK TO THEM, THEY TOLD ME THEY WOULD NEED MY ACCOUNT INFO TO HOLD THE PURCHASE AMOUNT FOR IF AND WHEN I CALLED BACK BUT THEY WOULD NOT TAKE ANY MONEY OUT OF MY ACCOUNT. SO I BELIEVED THEM SINCE IT WAS SUCH A SMALL AMOUNT AND I GAVE THEM MY INFO, WELL THEY DID NOT WAIT FOR MY CALL THEY TOOK MONEY OUT OF MY ACCOUNT WITHOUT MY AUTHORIZATION. I CONTACTED THEM WHICH THEY NEVER ANSWERED OR CALLED ME BACK AND I CONTACTED MY BANK AND NOTHING WAS DONE EITHER. PLEASE I WOULD LIKE MY MONEY BACK FOR THE 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 2020-01-23
Company: EQUIFAX, INC.
State: UT
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:
XXXX XXXX XXXX # XXXX is reporting a balance on an account to my credit that should not be there. I paid this off a while ago and it should not be reporting a balance to my credit and it needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
We own a rental property that is vacant and needs work completed before we can re-rent it. We have been trying to unfreeze our TransUnion credit reporting account since last Friday ( XX/XX/XXXX ), unsuccessfully. Today is XX/XX/XXXX. 

Unfortunately this is the only credit bureau used by the financing company to complete the application to get their consumer card to pay for this work. 

TransUnion indicated they have an internal error issue, but have not provided any information as to when the issue will be resolved. Their only response has been for us to call back again for updates. In doing so we have been on hold for long stretches several times. We have a prospective new tenant, however the work must be completed before they can move in. We are looking at having to make a 2nd mortgage payment over the last 2 months, without having rental income to offset the expense. We are concerned with losing this contractor & tenant prospect.

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 2019-11-05
Company: SUNTRUST BANKS, INC.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Went into a SunTrust bank to open an account and I was told I could not open an account and could never open an account at the bank. The banker didn't give me a reason why, he was just very rude. I asked why he said he couldn't give me any information or give me a number to call to see what is going on.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16
Company: U.S. BANCORP
State: AZ
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Don't want a card provided by your employer or the government

Complaint:
I received a Debit Visa card from US Bank ( I have never banked there ) This is a Relia Card for the Ohio Unemployment Insurance Program. 
( I have never lived, nor have visited the state of Ohio ever ) I believe someone is using my name and good credit to get government funding for fraud, and I'd wanted to report 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 2018-02-07
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I disputed the collection XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2013 {$730.00} {$730.00} XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX And after getting the run around and having the collection agency attempt to violate HIPPA laws by telling me that this collection is from my primary care doctor. XXXX XXXX XXXX sent a letter only saying the amount of the debt owed no further explanation. The amount on the validation was different than the amount being reported. I tracked down the original creditor XXXX XXXX XXXX XXXX   XXXX XXXX after filing a complaint with the CFPB and the original creditor has no record of me owing a debt I was then referred to XXXX  XXXX XXXX who also has no record or information on the debt. Experian states that the debt is verified as accurate however this is inaccurate information if the debt can not be validated.

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 2018-07-12
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 need XXXX  as well as Experian and XXXX  to report correctly that XXXX XXXXXXXX XXXX has a XXXX balance and is a paid and settled credit card from XXXXXXXX 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 2018-03-29
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Dispute was sent to Portfolio and a request for proof of debt. Portfolio sent a statements from XX/XX/XXXX to XX/XX/XXXX showing a balance of {$2400.00}. 

These bills are not valid because they don't have the correct address and there were no charges showing on the bills to show how the account came to a total of {$2400.00}. 

The name was changed within that time due to identity theft and address was not address at the time of total balance. 

Account balance had been disputed with creditor several times due to bankruptcy and about owed at bankruptcy. 

Identity theft and FTC reports were submitted to all creditor. 

I'm requesting proof of charges from the account number in question ( XXXX ) showing charges to total {$2400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10
Company: SCA Collections, Inc.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
THERE ARE NO WRITTEN CONTRACTS STATING THAT I OWE THIS DEBT TO THIS COMPANY ; I HAVE NOTHING STATING THAT I OWE THIS COMPANY SCA COLLECTIONS ; PLEASE 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 explanation
Consumer complaint received 2020-05-13
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. DEPTEDXXXX XXXX {$2500.00} XXXX XXXX {$380.00} XXXX XXXX  XXXX {$2900.00} XXXX XXXX {$22000.00} XXXX XXXX {$1000.00} XXXX   XXXX XXXX XXXX  XXXX {$1600.00} XXXX XXXX   XXXX {$87.00} XXXX XXXX XXXX $ XXXX XXXX   XXXX {$420.00} XXXX XXXX XXXX XXXX {$91.00} XXXX  XXXX {$730.00} XXXX XXXX {$710.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-04
Company: EQUIFAX, 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 information incorrect

Complaint:
THIS WAS A PAYDAY LOAN I TOOK ON XX/XX/2019 BECAUSE OF HIGH INTEREST RATE I COULD NOT PAY ANY LONGER. WHEN THE STARTED IT BECAME DIFFICULT TO EVEN PAY. THE ON XX/XX/XXXX THE I FILLED FOR BANKRUPTCY THIS LOAN WAS INCLUDED. XX/XX/XXXX EQUIFAX NOW REPORT ON MY ACCOUNT AS PENDING ONGOING PENFDING COLLECTION. DESPITE THE FACT THAT ITS ON MY BANKRUCPTCY. THE CREDIT REPORT IS NOW AN ARM OF PAYDAY LOAN COLLECTION ANGENCY TO INTIMIDATE AND SUBDUE CONSMER TO PAY UP BY CROOKED REPORTING IN A SELECTIVE AND CACULATIVE MANNER.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07
Company: EQUIFAX, INC.
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: Old information reappears or never goes away

Complaint:
I am contacting the Consumer Financial Protection Bureau in regards to an old account which is still appearing on my credit report in violation of FCRA Section 605 with all 3 credit reporting bureaus ( XXXX, EQUIFAX and XXXX ). The account in question is a XXXX XXXX   opened in XX/XX/XXXX. The partial account number is # XXXX ... 

I am contacting this agency after hearing about your effectiveness in forcing credit reporting bureaus to follow the law. I had previously written to them regarding other violations on my credit report but they had inaccurately validated them and I have been slowly fighting those accounts personally in order to have those creditors fix and or remove the inaccuracies and this process has taken a very big toll on my stress levels and it has not been easy. I am finally successful in getting those inaccuracies adjusted and would like to come to this platform regarding this XXXX  account because XXXX XXXX refuses to open a new investigation for me because this card has been closed for over 7 years and it is past the statue of limitation and also because they no longer have my information on file. 

My complaint is that this XXXX  credit card had its final payment made in XX/XX/XXXX. That is over 7 years ago and this account is still reporting to my credit report with countless lates and delinquencies, which is illegal. 
There are other inaccuracies as well. XXXX, XXXX and Equifax have incorrect dates for the LAST payment on this account and it seems illegally re-aged because it is showing that I made payments AFTER its closure in XX/XX/XXXX which I NEVER did. So, for some odd reason this account was illegally aged over 6 months when in actuality the FINAL payment was made in XX/XX/XXXX. This account should have been deleted from my profile completely in XX/XX/XXXX,  according to FCRA law. It has illegally been reported as being paid past its final payment and its closure and this is absolutely incorrect and damaging to my credit report. This account was settled in court in XX/XX/XXXX and I have had no responsibilities to pay them monthly since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
XXXX XXXX  XXXX  XXXX, XX/XX/2021 reported a medical collections account to the credit bureaus, the company has violated my Hippa laws, and this company has failed to make any contact with my to verify any debt.

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 2018-07-10
Company: Santander Consumer USA Holdings Inc.
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
On XXXX XXXX I received an extension that push two payments to the end of the loan from XX/XX/XXXX to XX/XX/XXXX and I did change my payment due date from the XXXX to the XXXX. And yes I have made late payments at times but they were made. I inquired one day when I noticed the date of the last payment has been pushed back to XX/XX/2018. I was informed that I never had a maturity date of XX/XX/2018. So I went ahead and made the payment, then I was I told That I had late fees over 300 hundred dollars. My payments were XXXX and I always paid XXXX I was told that money went towards my loan. I received a call on Friday XX/XX/18 from a mr XXXX stating my car payment was 11 days past due, when I inquired more I was transfer to a XXXX XXXX Who stated my maturity date was XX/XX/2018 and he asked did I want to open a complaint, and I did. Today a very nasty ms XXXX called stating that my maturity date has nothing to do with all the loan money being paid off and That I still owe thousands on the car, even tho I have made 73 payments one over the 72 that was stated to me at the being of this process. I have a lot of files but is having trouble uploading them

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
I have a loan with XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX - 2017 ) and BANK OF AMERICA. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX - 2017 ) and BANK OF AMERICA with no successful resolution. There was definitely an error on their part.

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 2021-05-21
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
im just trying to fully verifiesd my paypal account and to connect to my acount no. and XXXX .. the day after XXXX XXXX they Hold my paypal account with in 180days .. i can't use it to transact my money XXXX my email linked to my paypal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04
Company: Financial Credit Network Inc
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have medical debt paid off by my insurance XXXX and XXXX and believe the debt is paid and these collectors have switch names two times on me in the past 4 years. XXXX XXXX XXXX XXXX XXXX and Finanical credit net. I do not owe any debt. Thank you. This is predatory.

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 2021-01-29
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
All three credit bureaus have abused their assumed power of being consumer reporting agencies. The misuse and unauthorized reporting, validating debt and other actions without my consent is noted according to Congress Law in the attached letters that I've previously sent via certified mail. These " credit bureaus " are not operating with in the boundaries of FCRA and FDCPA

Company response to consumer: Closed with explanation