BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-24
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I have sent numerous of dispute letters asking for validation, after I received calls saying I was going to be sued for a debt of I didnt pay. Syed every attempt my credit report has been updated but I have never received the validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
XXXX XXXX XXXX is reporting negative on my consumer reports with XXXX and Transunion. I have notified XXXX, Trans Union, and XXXX via certified mail on numerous occasions requesting documentation to prove that the negative information being reported is accurate. The last certified letter I sent them was a 5-day reinsertion letter dated XX/XX/2017, because they removed the account, but later Transunion and XXXX put it back on my report driving my score down. TransUnion and XXXX sent me a report stating that the accounts were verified. TransUnion do not have any reporting they just have the account as a bad debt. XXXX has the account reporting as a bankruptcy account. I have spoken to the company and had them send me the release of lien for the property again ; which I am attaching to this complaint. I am still the owner of this property. XXXX and TransUnion did not follow the requirements relating to reinsertion of previously deleted material. I received no such notification, this is a serious violation of the FCRA, and I demand that the account be deleted immediately from 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 2023-05-15
Company: Experian Information Solutions Inc.
State: CA
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2018-07-19
Company: Experian Information Solutions Inc.
State: NV
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:
On XX/XX/2018 my bank account of 25 years was compromise. XXXX XXXX XXXX XXXX. Someone got my bank information and overdraw my checking account by ordering fraudulent merchandise with my account information. I noticed a few days later recent inquiries on my credit report for credit. That I did not authorize. As I was reviewing the recent inquiries I also noticed a few older that I didn't recognize. I have not applied for credit and these are all fraudulent and linked to whomever stoke my banking information. I had to file a fraud affidavit for my bank. And police report. To get my money back. These inquiries are fraud. Who will apply with the same creditor the same day.

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 2018-11-02
Company: CITIBANK, N.A.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My husband had opened a citibank checking account approximately in 2001. He had a credit line also on the checking account which I wasn't even aware of. When we married he put me on as a secondary signer. My husband filed bankruptcy and Citibank decided to attack my credit which I find incredibly unacceptable. I don't even work and that's why my husband added me in the first place. I wasn't even contacted which is ridiculously unprofessional. I'm even a customer with several credit cards and a checking account which are all in excellent standing as a loyal customer. I'm disgusted and want to know who did this, who's responsible for this incorrect tarnish on my credit history which I take pride in?!? 
Please help me fix this error : )

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 2020-10-19
Company: Bread Financial Holdings, Inc.
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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:
On XX/XX/XXXX I purchased airfare through XXXX for XXXX XXXX using my Comenity credit card - 2 roundtrip flights and I was charged twice each {$830.00} and {$490.00}. On XX/XX/XXXX I had logged onto the XXXX website and noticed that they had cancelled those flights, but had not contacted me ( they never did actually ). On that day I went on live chat with an XXXX rep who confirmed that I was to receive a refund to the credit card I used and sent an email confirmation. After 5 weeks ( around XXXX ) I sent a dispute to my credit card company because I felt that 5+ weeks was sufficient to issue my refund ( I included a copy of the email confirmation ). The credit card company did nothing for several weeks. So after 8 weeks of waiting ( the longest XXXX claimed it could take ) in XXXX I sent another dispute to Comenity including the email again. In XXXX I noticed that they finally issued a provisional credit for all 4 charges. They do not put in the actual dates in their system so I'm not sure when, but by XXXX. When I logged in XX/XX/XXXX I noticed that I had been re-charged all 4 charges again. They never requested additional documentation, but I had already provided evidence that XXXX acknowledges they are to refund me. I then called and was asked if I could once again send a copy of the email confirming I am to be refunded, which I did that day. I also included a follow-up chat where XXXX claimed they tried to issue the refunds on XX/XX/XXXX but encountered some unknown problem ( this was in XXXX ). In the meantime I do not even have the provisional credit on my card and it seems that Comenity is doing nothing to protect me. As of today, XX/XX/XXXX, I'm still getting the same line of we're " working on it '' from XXXX. Comenity isn't protecting me against fraud at all at this point. I've proven repeatedly that I'm due the refund according to the DOT federal regulations. Comenity can't even explain to me why they would charge me again. And now I have a payment due, but I should actually have a credit on my account with these refunds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 
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 2020-10-19
Company: Experian Information Solutions Inc.
State: MO
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:
HELLO, MY NAME IS XXXX XXXX AND I AM A VICTIM OF IDENTITY THEFT. SOMEONE USED MY PERSONAL INFORMATION TO FRAUDULENTLY OPEN UP SEVERAL ACCOUNTS IN MY NAME.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I purchased a new XXXX XXXX from a XXXX dealership in XXXX XXXX in XXXX. All payments were made on time. I moved to XXXX tx from XXXX Tx in XX/XX/XXXX and advised XXXX of the address change. I continued to received mailed bills at that address until XX/XX/XXXX at which time the bills stopped. On XX/XX/XXXX XXXX phoned my son who is also listed on the account, advising him the vehicle was subject to repossession. I immediately that day paid the full XXXX payments owed, late fees, and a service fee. I have tried to get the late fees waived which they say they have done. They advised they can not waive the {$3.00} service fee. They advised they have had and continue to have my current address ( XXXX tx ) and can not advise why the paper statements were stopped. They also can not advise why were not contacted when a payment was missed. On XX/XX/XXXX i sent a check to payoff the loan completely. I used the amount their system quoted me on XX/XX/XXXX which is good until XX/XX/XXXX. I expect they will ask for more. 
I believe XXXX did this deliberately in a fraudulent attempt to repossess the vehicle as it neared payoff. They gave no notice, and had my address for over 18 months, including every check for those payments with my current address. This seems very similar to the case in which CFPB fined XXXX $ XXXX for fraudulent repossession activities. All I want is my fees waived, my title free and clear, and the credit histories of me, my wife, and my son removed of al negative comments and those histories to reflect payment in full on time and ahead of schedule. On XX/XX/XXXX I mailed a letter to them requesting this as mail is the only method to contact their credit bureau XXXX department. I also want them to stop this practice As I believe it is a deliberate attempt to repossess vehicles from unsuspecting persons.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-04
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Loan payment wasn't credited to your account

Complaint:
On XXXX XXXX, 2016 I submitted my last payment to One Main Financial in the city of XXXX in person to XXXX and my account was never credited nor did I receive my title. I was never notified of a foul play or robbery by XXXX. I visited my main location located at One Main Financial ( XXXX ) XXXX XXXX XXXX XXXX, CA XXXX and the manager stated that she would personally mail my title to me after she sent the requested documents to her corporation by fax. I never heard from her after numerous follow ups in XXXX and XXXX. I resent the documents in XXXX. I was told that the check I gave to XXXX  representative XXXX was cashed by someone else. I never received a notice that there was foul play or a robbery by the management or carrier. Consumers have to know so that they can protect their assets. XXXX has yet to notify me. The only documents I received was past due letters and collection notices.
The effort was placed on me as the consumer to prove that I presented a check to their company A full investigation should be done immediately for the consumers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-24
Company: Experian Information Solutions 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:
Despite of my multiple requests, again i want you to help me to remove these following items which are seems to be inaccurate on my credit file. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. The following items are such an error on my file that needs to be removed : XXXXXXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX LL XXXX Balance : {$2500.00} ; XXXXXXXX XXXX XXXX XXXXXX/XX/2022 ; XXXX XXXX XXXX XXXX XXXX AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AR 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 2021-01-28
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
They will not accept that its not my debt and they are now harassing me on my job, place of employment. I wish for them to stop harassing me at my place of employment Midland Company. They are very rude.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-29
Company: Experian Information Solutions 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:
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 U.S.C 1681 :. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Credit report Experian XXXX credit report .15 U.S.C 1681 section 602 A state I have the right to privacy. 15 U.S.C 1681 section 604 section 2 it also states a consumer reporting angency can not furnish a account without my writing instructions 15 U.S.C 1681 ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer reports containing any of following items of information any other adverse items of information, other than records of convictions of crime which antedate the report by more than seven years. 15 U.S.C 1681 -2 ( A ) ( 1 ) a person shall not finish any information relating to a consumer reporting agency if the person knows or has reasonable

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 2018-11-02
Company: EQUIFAX, INC.
State: FL
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:
In checking my credit file, as I often do, I found a hard hit from XXXX XXXX on Equifax. I have never requested any financial services from XXXX XXXX. I contacted XXXX XXXX and was advised they had no record of me requesting services from them, and had not submitted a request to Equifax for information on my credit. 
I submitted a dispute and received a notice of response from Equifax, My claim number is XXXX. I tried to review the response and can not access it. I called Customer support, which is useless, they are no help. All I could understand from the call center was the name on my file is not correct and I would need to change my name. All of my credit information is in the name of XXXX XXXX. I have an Equifax account in the name of XXXX XXXX. I put a freeze on my account praying that will stop Equifax from giving anyone any information. I want to know what the answer to my dispute is. This is crazy!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-22
Company: Colony Brands, Inc.
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: Problem with personal statement of dispute

Complaint:
They can not produce a credit appl or a repayment agreement or load document to verify this as a legal debt

Company response to consumer: Untimely response
Consumer complaint received 2021-05-20
Company: TRANSWORLD SYSTEMS INC
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I did go to the hospital but never received a bill in the mail, nor was my bill ever explained to me. The bill went to collections and I paid the balance in full immediately by phone with the promise of the collections being removed from my credit report. There were two collections from the same collector for the same hospital visit, it was just split into two separate bills and therefore separate collections somehow. I've previously disputed this situation via the CFPB who contacted the collector XXXX XXXX XXXX XXXX XXXX as well as XXXX XXXX and XXXX. Results from XXXX are still pending. The debt collector, XXXX XXXX XXXX, contacted the bureaus on my behalf as well and requested to remove the account from my credit report. The collection company did in fact confirm the collections should be removed. However, only one of the collections was removed from my account. One collection still remains and is reflecting poorly on my credit report. Probably a clerical error but it still needs to be resolved in exactly the way it was promised to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-21
Company: U.S. BANCORP
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Refer to case XXXX acct no.ending XXXX case no. XXXX About US bank, they insist that they received money orders XXXX XXXX ) that they sent to " originating bank '' and that returned to their bank marked as in stamped counterfeit and spoke over presumably recorded phone line that they would either mail or provide in person else-wise submit the said money orders to help to verify their claims and therefore to find the culprit to be held accountable and kept responsible for allegedly counterfeiting united states postal service money orders. Eye am asking for the money orders signed over to my good and legal name to be returned to my possession so that eye may follow-up with US Bank 's suggestion that eye contact the CIA and the FBI to refer their practices for investigation. They also told that would be sending a cashier 's check regarding any foreseen positive balance that has instead been made into an impossible negative one. Peace

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
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.

has violated my rights. Or list of inquiries 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 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 2023-03-29
Company: Glacier Bancorp Inc.
State: ID
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Problem with customer service

Complaint:
For months Ive been trying to transfer money from XXXX to my XXXX bank, after giving me the wrong information for the transfer they seem to have lost the money or have no idea where it is.

Company response to consumer: Closed with explanation