BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-02
Company: Terrill Outsourcing Group
State: PA
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:
XXXX XXXX was paid in XX/XX/2011 through a XXXX debt consolidation company located at XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX. XXXX settled during a 3 way phone call between myself, the debt consolidation agency and a XXXX   representative for hald of the {$1400.00} owed. Since that time, there have been 2 different debt collection agencies, who have tried to collect on this. Most recently XXXX XXXX XXXX , XXXX tried to collect via XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX-XXXX. I am tired of being contacted, every few years, by some random collection agency attempting to collect on a debt that XXXX accepted a settlement to pay off.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
Months ago, I have sent a letter to the XXXX credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Kindly delete the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: 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 non-monetary relief
Consumer complaint received 2023-10-06
Company: TRANSWORLD SYSTEMS INC
State: NV
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I cancelled my XXXX XXXX back in 2020, the company kept billing me for a couple more months despite my account being cancelled and inactive. Reached out to XXXX  who contacted XXXX on my behalf and the account was closed and resolved. I checked my credit report today and it showed that XXXX sent an amount of {$140.00} to collections. Egregious practice from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: EQUIFAX, INC.
State: MD
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 viewed my credit report and noticed that there is fraudulent account. This was not sent in error. I am consumer by law and my information was misused. Unauthorized use of my credit report, identity theft. Here are the details of the said inaccurate accounts, company name, balance & date last reported : XXXX XXXX / {$460.00} / XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08
Company: AMERICAN HONDA FINANCE CORP
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:
On XX/XX/XXXX, I received an email from American Honda Financial about a pending loan application. I became alarmed and clicked on the link and was advised to click on another link if I DID NOT authorize the app. I did that, but nothing happened. On this morning, I was alerted by XXXX that my report has been pulled for Honda Financial. I did not authorize this and I do not want this inquiry on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14
Company: HW Holding, Inc
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I have been charged an amount when I previously paid the amount in full. I also notified the company which submitted documentation as a law firm and not a debt collector. This inaccurate information was still placed on my credit file of all three credit bureau which has significantly affected my credit score. The rental contract was scheduled to end on XX/XX/2020. I departed and submitted all keys on XX/XX/2020. Also per the documentation I have provided all fees had been paid as of XX/XX/2020. Please view that the amounts owed were addressing the dates from XX/XX/2020 until XX/XX/2020.

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 2019-08-18
Company: BB&T CORPORATION
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I was attempting to make a cash deposit through the bb and t atm on XXXX XXXX  street in XXXX  AL onXX/XX/19, shortly before XXXX XXXX central time.  The bank was closed.  The first attempt totaled my deposit to be XXXX instead of the XXXX I put in the machine, so I cancelled my transaction.  All my money was returned and I verified it was in fact XXXX as I had previously counted.  I tried a second time to deposit the XXXX  and our spit out a XXXX, saying it could not read it,  leaving XXXX still in the machine.  The slot where the money is dispensed kept opening and closing but no further bills were returned. Eventually,  the screen showed a deposit amount of XXXX (instead of the XXXX  the machine still had-still off by XXXX), so I hit cancel transaction again. However,  this time no money was returned.  Then the screen came up asking if I wanted to quit or go home for another transaction.  It would not let me select either,  it was like it just froze up.  It asked for my pin number again and eventually gave my card back but no money.  I called the number on the machine and made a report but got no answers as to when or if my money will be credited to my account. They said they would investigate.  In the meantime,  I'm out XXXX dollars that their atm machine basically ate and gave me no credit for. I put three $XXXX, seven $XXXX, one $XXXX  and one $XXXX in the machine.  It returned one of the $XXXX because it was unable to read it,  but kept the remainder, without depositing into my 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 2020-10-25
Company: Experian Information Solutions Inc.
State: MN
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 Original creditor : XXXX XXXX XXXX {$1400.00} Balance updated XX/XX/XXXX. 


XX/XX/XXXX Account type Collection Department XXXX Agency / Attorney Paid off : 0 % Balance on XX/XX/XXXX Loan Amount {$1400.00} Payment Info Original loan amount {$1000.00} Balance {$1400.00} Status date XX/XX/XXXX. 


These were for medical bills. 
These reported collections are innaccurate and are being re-generated and are re-generating themselves. I have called on this matter. 
I would like this to be investigated and 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 2018-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Since Last XXXX I have had an Erroneous collection Listed on my Trans Union Credit Report from a certain XXXX XXXX XXXX dated XX/XX/2017. I have asked Trans Union to investigate this with the total of more than 45 days+ elapsing with no satisfactory response. No reporting completion of any kind was submitted nor a notice or explanation of why the collection remained either. Nor Was I sent certified notices of contact from the collection furnisher.

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 2020-06-04
Company: John C. Heath, Attorney at Law, PLLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Received the Following Email : XXXX XXXX Legal Notice -Loan Payment XXXX / Spam XXXX XXXX XXXX To : XXXX XXXX Bcc : XXXX XXXX, XX/XX/XXXX at XXXX XXXX For your security we disabled links in this email. If you believe it is safe to use, mark this message as not spam. 
CASE NO : XXXX Loan account : XXXX Amount Outstanding {$880.00} Original creditor -XXXX XXXX XXXX Amount : {$450.00} ( Till XX/XX/2020 ) This is the last and final notification as we are going to proceed with the legal charges against you and you will be soon served with the court papers. If you really want to avoid the situation, we merely require you to contact us back to make the payment. 

Just in case we do not hear back from you, we will proceed further with the charges and we have the entire right to inform your employer about the situation, garnish your wages and freeze all your bank accounts. 


Please respond ASAP as you have two business days to respond. 

You have to further contact with our manager XXXX XXXX XXXX XXXX Email Address : XXXX XXXX XXXX XXXX XXXX parent company of XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX   XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX   XXXX XXXX XXXX and many more. 







Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I recently viewed my consumer report and was aware that there are several accouns that are not reporting accurately. I'm request this accounts that I have listed be removed from all my consumer reports to prevent further litagations. I did not consent to any ofthe informtion to be reported which is a viloation. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-01-18
Company: EQUIFAX, 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to be investigate and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX : {$65000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 information incorrect

Complaint:
Dear Consumer Financial Protection Bureau, TransUnion stated in their response to my complaint : CFPB file # XXXX, That XXXX XXXX XXXX XXXX XXXX XXXX XXXX who is the creditor and also the data furnisher is right about the status of the inaccurate account on my credit report. 
Please be advised that this is the type of stall tactics that Transunion has been using against me for more than a year instead of deleting this inaccurately reported account from my credit report. 
I did not dispute the status of the account rather i am disputing the following incorrect information : * The date of last payment reported by TransUnion is XXXX. This information is incorrect as i have attached a statement from ( XXXX ) showing the date of last payment for review. 
* TransUnion reports the account as been 60 days late in XX/XX/2018 again this reporting is erroneous since i made a payment in XX/XX/2018. You can also verify this information in the attachment.

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 2022-10-20
Company: Experian Information Solutions Inc.
State: DE
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 2022-12-23
Company: WELLS FARGO & COMPANY
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:
WELLS FARGO AUTO DEALER SERVICES XXXX XXXX XXXX XXXX, NC XXXX 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 6801 ) It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.

I must be told if information of mine is going to be shared with non-affiliated parties and I was not. I want you to delete any information of mine you are reporting to any non-affiliated parties. I was not given a explanation on how I the consumer can exercise the non-disclosure option. Without this information provided to me you are in direct violation of the Law. I am requesting any information of mine you are reporting to STOP and be deleted ASAP.

( 15 U.S.C 6802 B1A ) Such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; Which I XXXX XXXX XXXX ; do not believe you did and now I am requesting you delete any information you are reporting of mine. I was not given a explanation on how I the consumer can exercise the non-disclosure option. Without this information provided to me you are in direct violation of the Law. I am requesting any information of mine you are reporting to STOP and be deleted ASAP.

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 2023-02-22
Company: SYNCHRONY FINANCIAL
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
SYNCB/ XXXX XXXX This account is very inaccurate this creditor sent me information for another person. Ive attached the letter they sent to me of someone else 's information.

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 2021-06-14
Company: Halsted Financial Services, LLC.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
While I was on my XXXX XXXX Account on XX/XX/2021, I noticed that my credit score was dropping. In checking to see the reason why my credit score was dropping I found that there is a collection on credit report from XXXX XXXX XXXX. 

Account Number : XXXX Original Creditor : XXXX  XXXX XXXX, XXXX. 
Current owner : XXXX XXXX XXXX XXXX ID : XXXX Balance : {$1000.00} Accountholder Name : XXXX XXXX This account was fraudulently opened in my name without my knowledge. On XX/XX/2021, I filed a police report with my local law enforcement agency, and notified XXXX, XXXX, and XXXX  of Identity Theft. I have also reached out to the collection agency, and completed and returned to them a Identity thef affidavit with a copy of my police report, police report case number : XXXX with the XXXX XXXX Police Department ORI Number : XXXX. Reporting Police Officer : XXXX, Badge No. XXXX. 

I have reached out to XXXX XXXX XXXX, and was directed back to the Collections Agency. I have since purchased XXXX XXXX, and placed a Freeze on my Credit Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting 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:
The information is inaccurate and I disputed the information XXXX XXXX XXXX  and it was removed. The information has reappeared and I want method of verification. description of reinvestigation of item, proof of reinvestigation taken in this matter. The information is inaccurate and injurious to my credit report.

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 2023-12-01
Company: JPMORGAN CHASE & CO.
State: MI
Product: Credit reporting 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:
I was approved for Auto Loan and I received check from XXXX XXXX XXXX XXXX and sent to the private seller XXXX XXXX. XXXX XXXX the check with JP Morgan Chase Bank for {$25000.00} and they put the funds on hold and closed her account. They claim not being able to verify my Phone number XXXX. I called XXXX and they told me there wasnt no number on file, my previous number was XXXX but its not in service anymore. I recently checked XXXX XXXX and they told me my phone number is under my name according to they data. Chase claimed to be able to Verify with XXXX XXXX  but not my number which is COMPLETELY FRUSTRATING BECAUSE I AM CARLESS and now I Have to pay off a AUTO LOAN EVERY MONTH WHEN I DONT EVEN HAVE THE VHEICLE becaus XXXX XXXX Never receive the funds. I EVEN CALLED XXXX XXXX XXXX XXXX and they told me the check had been cashed with chase and it had been verified but its CHASE end who is not releasing & holding the funds

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14
Company: EQUIFAX, INC.
State: LA
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 submitted a letter on XX/XX/2021, about inaccurate and unverified information on my credit report, and I have yet to receive a response, ignoring the fact it has been over 35 days. I feel as though I'm being used and that my complaints are being ignored. It is clearly stated in Section 611 ( a ) that failing to investigate these issues within 35 days is a reason to remove those things off my credit report immediately. It has been over 60 days, and they should be erased immediately. I demand that these accounts be removed immediately, or I will file a litigation to compensate me for the pain you have caused me. My information was also leaked as a result of the Equifax data breach, and it may have got into the wrong hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25
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:
ftc violations was sent to XXXX XXXX and all the credit company please have them correct the violation and stop calling asking for a debt I do not owe

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