BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-16
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:
THE FOLLOWING NEGATIVE ACCOUNTS ARE REPORTING NEGATIVELY ON MY CREDIT REPORT : DEPT OF ED / XXXX - XXXX, ALL THREE OF THESE NEGATIVE ACCOUNTS ARE REPORTING 120- DAYS LATE. PLEASE REMOVE THESE ACCOUNT AS FOR THE FACT THAT THEY ARE OLDER ACCOUNTS FROM 2014, NO CHANGES HAVE BEEN MADE, THEREFORE, I NEED TO FIND THE REASON WHY THIS IS HAPPENING TO ME? I NEED REASON 'S SO WHY 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 2023-02-18
Company: DISCOVER BANK
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
****Discover case # XXXX Opened a credit card with Discover and initiated a balance transfer in the amount of {$1300.00} under a promotional offer of 18mos 0 % int on balance transfers. 

Discover sent the check to XXXX XXXX ( That is the name printed on the front of my card ) however the check was rejected because XXXX only accepts checks made out specifically to XXXX, XXXX. Notified Discover that the check was rejected and that the check was mailed back to me at my home address. I am in possession of the {$1300.00} check issued by Discover proving that it was never cashed. I offered to send the check to Discover and they said it wasn't necessary however they still posted the {$1300.00} balance to my card. I now have the same {$1300.00} on my XXXX card AND my Discover card. I do not understand how Discover can post a balance to my account for a balance transfer when the balance transfer check was never cashed. It has be over 7 business days since I notified Discover of the problem. Still has not been resolved, called several times, I have also not received any updates. I does not appear that either XXXX or Discover have any intentions of resolving this in a timely manner.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
THE FOLLOWING NEGATIVE ACCOUNTS ARE REPORTING NEGATIVELY ON MY CREDIT REPORT : DEPT OF ED / XXXX - XXXX, ALL THREE OF THESE NEGATIVE ACCOUNTS ARE REPORTING 120- DAYS LATE. PLEASE REMOVE THESE ACCOUNT AS FOR THE FACT THAT THEY ARE OLDER ACCOUNTS FROM 2014, NO CHANGES HAVE BEEN MADE, THEREFORE, I NEED TO FIND THE REASON WHY THIS IS HAPPENING TO ME? I NEED REASON 'S SO WHY 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 2022-02-07
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:
I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my credit report : XXXX XXXX XXXX ***** Opened XXXX XXXX, 2012 Balance {$0.00} XXXX XXXX XXXX ***** Opened XX/XX/2012 Balance {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-12
Company: CITIZENS FINANCIAL GROUP, INC.
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a new checking account with an advertised bonus of {$200.00} after {$500.00} direct deposit. I received a {$500.00} direct deposit on XX/XX/2020. To date, as of XX/XX/XXXX, I have not received the {$200.00} bonus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Account name ; XXXX XXXX XXXX. 
Account number : XXXX XXXX : Collection account. 
Amount : {$630.00} -- -- I never applied for this. I do not know what this is, this is not mine and this is fraud Account name : XXXX, XXXXXXXX XXXX XXXX XXXX Account number : XXXX Status : Collection account. 
Amount : {$280.00} -- -- I never applied for this and I never lived at XXXX XXXX. I do not know where this apartment is, this is not mine and this is fraud Account name : XXXX XXXX XXXX  Account number : XXXX Amount : {$700.00} -- -- I never applied for this. I do not know what this is, this is not mine and this is fraud Account name : XXXX  XXXX Account number : XXXX Amount : $ {$640.00} -- -- I never applied for this. I do not know what this is, this is not mine and this is fraud Account name : XXXX XXXX Account number : XXXX Amount : {$2100.00} -- -- I never applied for this. I do not know what this is, this is not mine and this is fraud Account name : XXXX XXXX XXXX XXXXXXXX Account XXXX Amount : {$2800.00} -- -- I never applied for this. I do not know what this is, this is not mine and this is fraud Account : XXXX XXXX XXXX  XXXX Amount : XXXX -- -- I never applied for this. I do not know what this is, this is not mine and this is fraud Inquires are not mine and this was done without my consent. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2023-02-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX contacted BOA due to fraudulent use of my debit card, asked that it be mailed to XXXX XXXX XXXX  XXXX XXXX TX XXXX. Contacted BOA on XX/XX/XXXX the card had not been sent to the accurate address and both the agent and manager were hostile unhelpful rude, insisted on charging me {$15.00} for expedited service even though the bank wax at fault for XXXX sending the card to the address promised to begin with. It appears that these customer service agents dont want consumers to have their debit cards.

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 monetary relief
Consumer complaint received 2023-01-08
Company: Experian Information Solutions Inc.
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:
In accordance with the Fair Credit Reporting act.The List of accounts below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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

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

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.

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 then seven 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 2023-04-13
Company: Experian Information Solutions Inc.
State: MS
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:
When I review my updated credit report in Identity IQ, I see that same accounts were inaccurate. The credit reporting agency is required to reinvestigate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX  XXXX Balance : {$33000.00}, XXXX XXXX XXXX Balance Owed : {$5300.00}, XXXX XXXX XXXX Balance Owed : {$6000.00}, XXXX XXXX XXXX Balance : {$1700.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-25
Company: EQUIFAX, INC.
State: KY
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:
I have included in this complaint a photocopy of the three ( 3 ) accounts in question per my Equifax credit report dated XX/XX/2022. I have attempted to resolve the noted issues per the attached document on several occassions via online submission and just sent said lettter via certified mail with return receipt earlier this week. I have even attempted to call and speak with someone in detail about this issue to no avail. 

Essentially, the data fields for the three ( 3 ) accounts in question are substantially incomplete. Of primary concern is the absence of payment history and data, which itself constitutes 35 % of my credit score ( myFICO ). For two of the attached accounts, the credit report indicates that i am 90+ days late when I have in fact never been late or charged off a related balance.

As stated, payment history constitutes the largest portion of a person 's credit score. Consequently, the Credit Reporting Agencies failure to remedy this situation is hindering my attempt to acquire new credit presently.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
When I reviewed my credit report, I discovered the erroneous items. The 3 credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be corrected from erroneous reporting in my file. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-24
Company: ENCORE CAPITAL GROUP INC.
State: NV
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 am writing to express my frustration with Midland Credit Management and the negative impact they are having on my XXXX XXXX. I disputed this Account multiple times and have been attempting to resolve the issue with them. 

Despite my efforts to resolve the matter, Midland Credit Management has continued to report the alleged debt to credit bureaus, which is significantly impacting my credit score. As you can imagine, this is causing me a great deal of stress and frustration, as I have worked hard to maintain a good credit rating. 

Here I include XXXX tracking numbers : XXXX and XXXX, and I am prepared to take further action if necessary to protect my rights and interests. 

I request that you investigate this matter and take appropriate action to hold Midland Credit Management accountable for their actions. I also request that any negative reports related to this alleged debt be removed from my credit report, Because they are inaccurate and unjustified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-10
Company: HW Holding, Inc
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov I've completed and sent a fraud affidavit via certified mail. I can see they received it but nothing has changed. See supporting documents. even the USPS tracking.

I am a victim of identity theft and noticed a collection from HUNTER WARFIELD. I've attempted to dispute multiple times, however, no response on their end. Not sure what else to do. The police department told me to contact the federal trade commission which I wrote a formal complaint against HUNTER WARFIELD in regards to this matter. The FTC also instructed me to complete and theft affidavit through identity theft.gov. Attached is my document. Thank you

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17
Company: HYUNDAI CAPITAL AMERICA
State: CA
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 A VICTIM OF IDENTITY THEFT. I RECENTLY LEARNED THAT MY PERSONAL INFORMATION WAS USED TO OPEN A CAR LOAN ( KIA MOTOR FINANCE ) UNDER MY NAME. I DID NOT OPEN AND AUTHORIZE THIS CAR LOAN, AND THEREFORE REQUEST THAT CREDITOR TAKES ALL APPROPRIATE STEPS TO REMOVE INFORMATION ABOUT THIS FRAUDULENT ACCOUNT FROM MY CREDIT FILES.

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 2022-02-25
Company: Experian Information Solutions Inc.
State: GA
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, XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXXXXXX XXXX  Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX  XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account 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.

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 2022-10-05
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

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. 

XXXX ( Original Creditor : 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 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 to cause to believe that the information is inaccurate.

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 2022-02-25
Company: Freedom Mortgage Company
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I mailed correspondence about regarding XXXX illegality and fraud, that XXXX XXXX Corporation received on XX/XX/2022. However, XXXX XXXX Corporation failed to address every concern within the correspondence.

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 2022-02-25
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
XXXX card was opened fraudulently. i have been a vitctim of several data breaches, including the recent XXXX breach. My ssn is on the darkweb and is always used.

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 2022-02-07
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I previously placed a fraud alert on my credit profile. I have submitted documentation twice to the bureau to ask for the fraud alert to be removed however it remains. I have attached proof of identity to this complaint including a picture of my photo ID and social security card.

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 2023-03-02
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/2019 portfolio recovery associates , llc starting to report a derogatory collection tradeline to my credit report which has to be In result of identity theft this account reporting on my credit report has absolutely tarnished my more then perfect XXXX XXXX as long as my overall report they have been reporting a past due balance on a month to month basis which is not supposed to be done I am demanding for the collection tradeline to be deleted from my credit report on all credit Bureaus, I am urging for this collection tradeline account to be permanently removed from my credit report within the next 30 days I will be attaching supporting documents in order to show how its reporting to my credit report and how awful it is affecting my XXXX XXXX and overall credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Amount is over the credit limit. I didn't give consent to charges over the credit limit pursuant to the card act of 2009 regarding file XXXX

Company response to consumer: Closed with explanation