BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-10
Company: TSC Accounts Receivable Solutions
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted the collection agency and asked them to provide me with contract with my signature to verify that this is my debt to pay. The collection agency has not provided proof of this being my debt to pay. I also have disputed it through the three credit bureaus. 

I am unsure what else to do except seek further help in getting these matters resolved. Below is the name of the collection agency I have contacted and asked them to provide me with the above mentioned proof. 

4. TSC A/R Solutions/ Original Creditor : XXXX XXXX XXXX $ XXXX/ First time contacting this agency was XX/XX/XXXX. Sent me a print out provided me no signature for this debt. I also contacted the HIPPA office on XX/XX/XXXX. Received no reply. 

The latest letter I sent was on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-05
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Did not receive verifiable proof ( an original consumer contract with my signature on ) 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 2023-09-08
Company: Amsher Collection Services, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On or about XX/XX/2023, I submitted a loan application to XXXX XXXX  and was denied. Shortly after I received an alert from my XXXX XXXX app that I had a Collection on my file with XXXX. I was surprised because I had no negative accounts with XXXX. I then receive an adverse Action letter sent to me via email stating that XXXX showed a collection within 90 days ( letter enclosed ). I later discovered that Amsher also furnished this same information to XXXX. 

Further research revealed that the culprit was Amsher Collection Services. Amsher had no Permissible Purpose and no consent from me to park this account on my credit file. I never received a phone call, nor any electronic communication as well as any written communication from them. They recklessly and willfully violated the rights given to me that are established under CFPB. As a result of Amsher 's deliberate action, this is what I suffered : 1 ) Damage to my character and consumer credit worthiness.

2 ) Harmed my ability to obtain credit.

3 ) Caused me great distress.

4 ) Injured my general reputation.

5 ) Damaged my mode of living in which I expected to establish credit to be used for personal, family, household, or business purposes.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
On XX/XX/XXXX I sent a dispute to Transunion due to 4 items on my credit report being collection accounts listed with a " past due balance ''. A collection account can not also be past due and a violation of my rights. I also sent a dispute of a charged off account that shows settled but was still reporting a monthly balance which was also inaccurate and requested deletion of incorrect items. On XX/XX/XXXX I received a response stating the items were updated or remains. On XX/XX/XXXX I mailed a request to Transunion asserting my rights under the FCRA section 611 for a method of verification and from FCRA 611 ( a ) ( 7 ) for a description of the procedure used by Transunion in providing all information to the creditor associated with my earlier dispute under FCRA 611 ( a ). To be more specific, based on FCRA 611 ( a ) ( 2 ) ( B ), you were required to forward all of the relevant information I provided by you to the creditor for their investigation of my dispute. Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ). Today I received new " dispute results '' from Transunion dated XX/XX/XXXX just stating the items remain or were updated so the actual request was ignored and they just opened a new dispute instead of providing the information under FCRA 611. Since Transunion did not comply with this request within the time frame allotted they need to delete the disputed accounts.

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 2023-09-08
Company: CITIBANK, N.A.
State: MD
Product: Credit card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I had made a non interest purchase for materials if paid in 6 months, company didn't put payments to promotional purchase, tried to have it fixed, they were not accommodating at all, made additional payments to be applied to purchase, and got charged over {$90.00} in interest even after being told I would not be Also effected payments to other cards that I have balance with, because I made over XXXX in payments to this card in past 6 months to not pay interest

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 2021-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
THIS ACCOUNT WAS INCLUDED IN A CHAPTER XXXX AND CONVERTED TO A CHAPTER XXXX. THE ACCOUNT WAS REMOVED AT ONE TIME FROM MY CREDIT FILE AND THEN IT SHOWED BACK UP FROMWHAT I AM ASSUMING IS A 3RD PARTY THAT PURCHASED THE LOAN FROM REGION FINANCE AND THEY ADDED BACK TO MY CREDIT FILE TO TRY AN COLLECT ON THE ACCOUNT. I HAVE NOTIFIED TRANSUNION/ XXXX/ XXXX AND NOE OF THEM WILL ASSIST WITH INVESTIGATING OF REMOVING THE ACCOUNT FROM MY CREDIT FILE. THE ACCOUNT BALANCE CONTINUES TO INCREASE WITH INTEREST ON A MONTHLY BASIS SO I AM ASSUMING THE ACCOUNT WAS SOLD TO A 3RD PARTY THAT IS TRYING TO MAKE MORE MONEY OFF OF THE LOAN THAT IS NO LONGER COLLECTIBLE DUE TO BANKRUPTCY.

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 2017-03-14
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Someone had a judgement against them and it was placed on my credit reports. I does not belong to me.

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 2023-08-22
Company: Experian Information Solutions Inc.
State: OH
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:
I checked my XXXX XXXX and noticed some accounts I am unaware of that have been bothering me. these are the accounts : 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 2023-07-07
Company: ALLY FINANCIAL INC.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XX/XX/2022 I was victim of an internet fraud and did not authorize withdrawals from my checking account at Ally Bank for {$490.00}, {$250.00}, {$250.00}, {$740.00}. I notified the bank before the transactions were posted that they were fraudulent and sent many letters requesting they investigate the fraud giving them very detailed descriptions. The bank has continued to not investigate and has used excuses like my not submitting a reply letter on time to close the investigation. I have given the bank 6 months to investigate and to this date they have not. The entire case is outlined in detail in the attached documents including dates, times, ect. Please refer to these attachments for further detailed information. 

This fraud also involved XXXX and XXXX has resolved it in my favor and not pursued getting money from me that was part of the fraud. Informational letters to XXXX regarding the XXXX part of this fraud is also included in attached documents. 

This fraud has been reported to the FBI and the IC3 FBI form is attached below.

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 2019-07-06
Company: EQUIFAX, INC.
State: MO
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:
On XX/XX/XXXX I sent a dispute via fax to Equifax to ensure compliance on an item on my credit report. I received a response dated XX/XX/XXXX stating the item was verified. On XX/XX/XXXX I faxed a request to Equifax asserting my rights under the FCRA section 611 for a method of verification and from FCRA 611 ( a ) ( 7 ) for a description of the procedure used by Experian in providing all information to the creditor associated with my earlier dispute under FCRA 611 ( a ). To be more specific, based on FCRA 611 ( a ) ( 2 ) ( B ), you were required to forward all of the relevant information I provided by you to the creditor for their investigation of my dispute. Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ). Today I received new " dispute results '' dated XX/XX/XXXX from Equifax just stating the items was verified so the actual request was ignored and they just opened a new dispute instead of providing the information under FCRA 611. Since Equifax did not comply with this request within the time frame allotted they need to delete the disputed account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
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: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX is reporting a charge off repo on my credit report for which the vehicle was given to my ex wife in the divorce and she had it repossessed. I was released from all liability and the company refuses to acknowledge this. I would simply like to be released from obligation per the court order and have the account either removed from my credit report or marked paid in full.

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 2023-08-22
Company: Experian Information Solutions Inc.
State: AZ
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 did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2023-01-22
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am not liable for this debt with bmo Harris bank and don't have a contract with XXXX XXXX XXXX XXXX. XXXX XXXX XXXX They did not provide me with the original application like I asked. Acct # 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 2019-02-04
Company: AES/PHEAA
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
Someone from my loan company, American Education Services contacted me today, XX/XX/XXXX at XXXX. It was due on XX/XX/XXXX. She asked me about making a payment on the loan. I stated that I couldn't make a payment because my husband takes care of paying that loan every month. Speaking to him and finding out why the loan hadn't been paid would be the prudent thing to do first. She became what I felt was unnecessarily aggressive in her tone and said, " Well you need to find out what's going on. '' She was doing all of this without even having all of the information on account pulled up on her computer. She finally looks at my information and sees that there is a payment scheduled for today. It will hit their account tomorrow. I guess that wasn't good enough because she continued to push for me to make a payment TODAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
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: Credit inquiries on your report that you don't recognize

Complaint:
On Saturday XX/XX/21 I received notifcations from my financial instituation of two hard inquiries from Experian. I tried to contact Experian and despite the hours on their app saying that they are open for phone calls, there was no way to get in touch with them on Saturday or Friday during XXXX XXXX as suggested by their app. 

Additionally, I have come to find that I can not log in to my account or recover it because someone has hacked it. When I try to recover it just shows a XXXX which is not my email address. 

So I can't talk to anyone to rectify the situation, and I also can't fix the situation online because someone has hacked it. 

Then after several XXXX searches I have come to learn that Experian has had very inept security and my experience is common. I have gotten no warning from the company that this was a possibility. 

This company is a total disgrace.

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 2021-02-26
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no reason and will not help me get it back and get it up and running. I'm not sure if this is a bug, as I suppose it must be. I have not been able to get help from them for days in any way but just remembered that I could report here because I feel like they are not doing their job properly and it is affecting me a lot as I used PayPal to get paid for my services quite often. My email linked to my PayPal is XXXX. This is affecting my mental health because they want to unfairly hold my money for 180 days in this pandemic situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-26
Company: ONLINE Information Services, Inc.
State: DC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On Saturday, XX/XX/XXXX I received a notice that XXXX a debt collection agency on behalf of XXXX XXXX XXXX XXXX XXXX falsely put in a Derogatory Mark on my credit report for a debt that they never previously contacted me about and one which exactly 2 years ago, I informed XXXX XXXX that I did not owe because I was not living at the location and had proof of my move since XX/XX/XXXX. 

I was never further contacted by them after that last discussion on XX/XX/XXXX and now this is unfair that my credit report has to suffer for something that was not mines.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02
Company: CITIBANK, N.A.
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: Account status incorrect

Complaint:
THIS IS NOT A DUPLICATE COMPLAINT!!!!!! This matter is in reference to something from XXXX that is now being listed on my credit. I UPLOADED THE DOCUMENT for complaint number, XXXX about CITIBANK. This is NOT a duplicate of XXXX, which deals with XXXX. XXXX is thirteen years after XXXX, and they are not the same matter at all. The XXXX matter was PAID IN FULL in XXXX. I have provided proof of this via uploads to the credit bureaus. I have old credit reports and old letters from Citibank. My issue is that Citibank is stating that I went 60 days late in the year XXXX and didn't list this information until XXXX. That isn't possible when it was paid, and I don't know how you can back-list something from twenty years prior. This complaint has absolutely nothing to do with Citibank fraudulently assigning accounts to XXXX, or XXXX engaging in Identity Theft. This complaint is about the fact that Citibank lists something as paid and then claims that I was sixty days late. There is no proof of this on their part, and there is no reason to have something listed from that long ago. We are in the year XXXX. Why isn't the CFPB appropriately managing these complaints? It's not as though there is any power to the CFPB as is ; I still have to go to court over such matters to get resolution, but claiming that people are filing duplicate complaints when they aren't smacks of more insider government pandering to corporations that are simply lying. I paid my bill, and it needs to be noted appropriately. It's that simple. Please don't make it more complex than that, CFPB and Citibank.

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 2023-01-22
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Closed my account; charging fees

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 2021-04-13
Company: AmeriCollect
State: FL
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:
This is not my debt. I was a victim of identity theft

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I took a look at my credit report on XX/XX/2023 and seen that a numbers of inquiry was on my report. I called the reporting agencies to inform them that they were not mine and they did not remove them. THESE INQUIRY SHOULD BE REMOVED FROM MY REPORT XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-04
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
2 bankruptcies were removed then added back causing my credit score to drop 21 points.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
XXXX XXXX has failed to have my account reinserted in the credit bureaus after deleting this by error. It's been months now and I have gotten nowhere. They have basically been creating me a lot of hardship because my credit score is fair due to their error

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-02
Company: CrossCountry Mortgage LLC
State: NY
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
Hi On XX/XX/2020 I closed on my new construction home as advised by my lawyer XXXX XXXX go ahead and close due to the pandemic the CO is on someone desk waiting to be signed now 3 months went by the town will not issue a Co for the house because of a list of problems with the property Ive notified my lawyer which is no help Ive contacted XXXX XXXX builder  which was XXXX builder before and cross country mortgage. No one is ever willing to help. They did some repairs and still not up to town standards. Im a XXXX veteran. All I get from everyone is the run around. This builder, mortgage company and both my lawyer and theirs are no help. Please guide me to what I should do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation