BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-21
Company: Advanced Resolution Services Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Dear CFPB - 3 Companies involved! 


1 XXXX 2 XXXX 3 Advanced Resolution Services ( ARS ) I applied for a Credit Card that was branded by XXXX. They said the card was largely issued by XXXX. They said ARS was the credit bureau that was involved. 

They failed to provide my ARS report. 


- They also failed to provide a proper phone # for ARS. The # that was provided had a serious problem. 

- The last 3 digits of that # were the short code for dialing a swat team in an emergency! 

- If people were to use that number - in some cases - it would accidentally call the police! It would accidentally start a false emergency alarm. 

- It would accidentally lead to SWAT Teams being deployed! 


- A lot of safety problems with that! 

- I consent to writing about this problem. U can use my real name - XXXX XXXX - or u can use a code name - or u can use no name & just keep it anonymous. I consent to any 1 of those. 

Please send reply to my paper mail address! 

- XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02
Company: Sovereign Lending Group, Incorporated
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: Received unsolicited financial product or insurance offers after opting out

Complaint:
This business used my information without my knowledge or approval. This credit check was not authorized. This has damage my credit and my bank, of over 40 years has stopped all my credit because of these erroneous inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15
Company: Experian Information Solutions 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:
I started asking for a copy of my Promissory Note with my original signature on it since XXXX XXXX from XXXX. I 've gotten several responses but none satisfied my initial request ; i was given a computerize signature connecting me to these alleged loans. So after getting no proper response from XXXX, i sought out the credit bureaus from help on retrieving the proper documents. On XXXX XXXX, XXXX the first dispute letter was sent through the credit bureaus dispute portals online, XXXX XXXX & XXXX, XXXX XXXX & experian was sent via certified mail XXXX online dispute portal, XXXX XXXX, XXXX all was sent certified mail, and the 4th and final letter was sent XXXX XXXX, XXXX via online dispute portals. All the credit bureaus responses were the same as the info report was accurate and could not be deleted. All certified mail was notarized by notary service.

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 2022-12-19
Company: EQUIFAX, 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 has unlawfully used illegal documents that were a HIPAA violation when they validated these two accounts they also unlawfully disclosed HIPAA violation materials to the consumer financial protection board in a dispute response thus for the second time unlawfully destroying illegal PHI of mind that is unlawful and against federal law and against federal HIPAA laws ; Accounts XXXX and XXXX, XXXX XXXX XXXX willfully and unlawfully disclose my personal PHI which is a HIPAA violation to the consumer financial protection board and a dispute response see attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04
Company: REGIONS FINANCIAL CORPORATION
State: FL
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: Card was charged for something you did not purchase with the card

Complaint:
Charges on my Regions Card I did not make XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Regions XXXX XXXX XXXX XXXX. 
XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Regions XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Regions XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the company recently gave me the credit. I have put a claim in for all other charges but they still are allowing access to my card and charges. I have tried to close the account. The recent charges since XXXX I never activated the card and they still have used it. I filed a police report and put and called the credit bureaus. Some how they are still getting into my account and its not getting taken care of. Regions keeps giving me to another department and not solving my problem.

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 2023-07-31
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
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: Account status incorrect

Complaint:
I file bankruptcy in XX/XX/2021 and it was discharged in XX/XX/2021. BMO Harris Bank continues to report to XXXX that I am deliquent on the loan and repo. This lender was placed in my bankruptcy and should not be being reported at all. It has caused me to be denied a loan.

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 2020-09-13
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
I have submitted disputes with proof uploaded to all three of the credits and I am receiving no response. I have requested for them to investigate and send me proof from the creditors and still receiving no response and the incorrect information is still on my credit. Please help me to resolve this matter. 
Dispute submitted on XX/XX/2020, XX/XX/2020, XX/XX/2020 and XX/XX/2020. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-13
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: Old information reappears or never goes away

Complaint:
I have submitted disputes with proof uploaded to all three of the credits and I am receiving no response. I have requested for them to investigate and send me proof from the creditors and still receiving no response and the incorrect information is still on my credit. Please help me to resolve this matter. 
Dispute submitted on XX/XX/2020, XX/XX/2020, XX/XX/2020 and XX/XX/2020. 
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 2023-04-11
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC
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: Card was charged for something you did not purchase with the card

Complaint:
I lost my card back in XX/XX/2022. I called the bank immediately and told them that I had all the transaction that were made. They kept telling me that they use my pin and that they could not get my money back. I visited it 2 times and they never told me that the real reason they disputed it was because I did not dispute other transactions that were made at XXXX, XXXX, XXXX  atm and so forth. They were rude and dismissive. Its happening again under another XXXX station and I want them to look at this case over again. Because I gave them all the transaction tthqt were made and were made during over night and out of my ordinary norm. I know it's late but I did not know I had the option to file a complaint against 53 bank debit card I here. I tried and tried but they kept denying me. I even provided a poloce report and they were dismissive. This needs to be looked at. The bank was notified immediately within hours of the unauthorized transactions. The case number is XXXX and their phone number is XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-04
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are several accounts reporting on my credit file that do not belong to me. The following accounts are not mine:XXXX XXXX - ExperianXXXX  - ExperianXXXX - XXXX and ExperianXXXX XXXX - Experian and XXXX XXXX  - XXXXThese accounts are a result of fraud.

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 2020-12-05
Company: Resurgent Capital Services L.P.
State: KS
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:
I filled a dispute regarding my XXXX XXXX XXXX account and they agreed to delete/remove it from my credit report. This company RESURGERECVE, is trying to collect on an already settled account. I need help to resolve this issue please. Thank you very much.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-13
Company: Resurgent Capital Services L.P.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This item came to my credit report. originating from XXXX. in 2019 I became deathly ill.. I contacted all creditors and explained my situation. asked if I could pay a lower amount because of hardship. XXXX took my payment. as far as I know, it was supposed to be paid in full.. then this came to my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
My account someone took over stole my information wrote bad checks in my name and cashed them causing my account to be put in the negatives this happened XX/XX/XXXX Ive been in contact with XXXX XXXXl but it seems like nothing had been done by both banks Bank of America and now Im out of luck

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 2020-09-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have closely been monitoring my credit reports. My credit reports have a debt amount of {$770.00} from Portfolio Recovery whom they have stated I owe Portfolio Recovery. After speaking with a representative from Portfolio Recovery asking repeatedly to send me documentation of this account, services date, signed and verifiable signature of a contract with Portfolio Recovery, absolutely nothing has been sent to me. I have repeatedly sent letters to the Portfolio Recovery asking them to remove inaccurate accounts that they are reporting on my credit reports, up to last month XX/XX/2020. I am aware the FCRA promotes accuracy and fairness in the files of consumer reporting. I have no affiliation with Portfolio Recovery and neither have I used their services for them to say that I owe them money., I have no file, no account with a verifiable contract with a legal signature, nor are there any documents this company-Portfolio Recovery can furnish to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2019-01-04
Company: AES/PHEAA
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
In XXXX of this summer I changed my accounts at my local bank that was where I had my auto deduction made for my student loans. Since the account took awhile to close it seemed to close on the day my loan was to be paid. I contacted XXXX to ask if I should make a payment or see if it went thru and to make sure it would not mess up my student loan forgiveness or anything else. The customer service rep said it would not be an issue and they would send me a letter if the payment did not go thru and I could make it then. The payment did not go thru but since I receive the letter I was able to make the payment for the 15 day window on the loan forgiveness. The Rep failed to tell me  however that I only had a 6 day window on my interest rate incentive and that I would lose it. I could of made a payment that day! If they had provided me the correct information on my loan amounts I would be gaining .25 % less interest!. I have a sizable loan so that is adding up to a significant amount of money, I have contacted XXXX multiple times on this, but they just tell me I am out of luck. This is not my fault I offered to make the payment the rep told me not too!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX ACCOUNT # XXXX, XXXX ACCOUNT # XXXX, XXXX XXXX XXXXXXXX XXXX ACCOUNT # XXXX, and XXXX XXXXXXXX XXXX ACCOUNT # XXXX have 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 states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16
Company: EQUIFAX, 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 AN IDENTITY THEFT VICTIM. I AM WRITING TO DISPUTE THE FOLLOWING ITEMS ON MY CREDIT REPORT. EACH OF THESE ACCOUNTS AND TRANSACTIONS I DISPUTE WERE OPEN AND MADE BY THE THIEF, NOT ME. I NEVER AUTHORIZED, USED, OR BENEFITED FROM THESE ACCOUNTS OR TRANSACTIONS IN ANY WAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-13
Company: BARCLAYS BANK DELAWARE
State: VI
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: Card was charged for something you did not purchase with the card

Complaint:
I ordered a bicycle online on XX/XX/XXXX. I got the shipping confirmation, but the bike never came. I attempted to contact the merchant unsuccessfully ( no phone number, invalid e-mail ). I tried to file a fraud complaint with XXXX but was unable to ( it was not on my XXXX account ; I could not get a person on the phone ). I entered the USPS tracking number provided on the shipping confirmation and that was bogus, too. It said the item was received XX/XX/XXXX, two days before I ordered it. 

I checked my Barclay 's statement, the charge was on there, so I filed a fraud claim with them ( online XX/XX/XXXX followed by the attached letter on XX/XX/XXXX ). I received a letter acknowledging my dispute and tried unsuccessfully to call them several times in early XXXX, so I sent the letter on XX/XX/XXXX. 

I just received my XXXX statement and they put the disputed charge back on my account. I have heard nothing from them, nor can I reach them. I disputed the charge again yesterday on line and tried calling again today.

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 2020-08-02
Company: ACCELERATED COLLECTION SERVICE, INC
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
This complaint is in reference to Accelerated Collection Account Number XXXX. I sent a dispute letter by mail and it was returned as not deliverable and this is a violation of the law. All items on a credit report must be 100 % accurate and verifiable and this item can not be verified because I send a letter to the address being reported by the collection company and it was returned to the sender. Therefore I am demanding the item be deleted from my credit report at once or I may refer to a consumer credit attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13
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 a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The incorrect balance on my home mortgage at XXXXXXXX XXXX was reported to XXXX and my credit score decreased by 49 points on XX/XX/2020. I contacted XXXX and they corrected the error. XXXX received the corrected balance but they did not correct the credit score. I have not had any negative credit reporting since the incident.

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 2020-12-05
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Ive sent Experian more than three letters reporting items on my report that need to be removed because it goes against the FCRA. This collection from discover is unauthorized and stoping me from obtaining a great credit score. I havent received any validation of debt since I sent discover my first validation letter on XX/XX/2020, which was delivered on XXXX XXXX. I have my certified mail receipts. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the account listed. ). Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.

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 2023-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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