BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-28
Company: Accurate Background
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
I had a Motor Vehicle Record background check performed by Accurate Background on XX/XX/XXXX for a promotion I am in line to receive at XXXX. During the check my license was suspended due to a clerical mistake by the Department of Public Safety. I had paid a surcharge off in full but they showed that I still owed {$21.00}. This was due to a discrepancy with a " convenience fee '' when paying online and was of no fault of my own since I had paid the total amount owed. The MVR background check came back showing that my licence was suspended even though I had contacted DPS and had the problem corrected. My license is current and valid now and I want the MVR background to reflect this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-08
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX is reporting wrongful payment status in XXXX and Experian credit report. My Experian credit report shows late payment for the month of XXXX, is false information attach is payment receipt. made on time.My payment due date is was not until XX/XX/2017.

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 2018-01-08
Company: IQOR US INC
State: VA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
The company uses an automated dialer so most of the time when I answer the call I get nothing but disconnected. They do not leave a message when they call. When I finally connect with someone they are asking for someone I do not know and I tell them that but they keep asking questions about how to reach the person, and are very persistent, annoying and harrassing. 

Also, outlaw auto dialers. ALL persons and companies using autodialers are harrassing people

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 2022-01-16
Company: Credit Corp Solutions Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2021, I received a letter from XXXX XXXX XXXX stating that my account was going to be sent to a pre-legal department. This is the first time I received communication from Credit Corp about this alleged debt. I replied back on the XXXX of XX/XX/2021 via certified mail ( USPS tracking number XXXX XXXX XXXX XXXX XXXX ) and it was delivered on the XXXX of XX/XX/2021. In the letter, I requested validation of the debt and also requested the company to Cease and Desist from reporting this debt to any Credit Reporting Agency as it was not validated. 

On XX/XX/2021, I received a letter back from Credit Corp Solutions. In their letter, they acknowledged the dispute and noted that they concluded their investigation and that the information reported to the credit agencies was accurate. They also sent a terms and conditions printout as well as statements outlining consumer purchases. 
On XX/XX/2021, I responded back to Credit Corp Solutions, advising that they had still not provided any proper validation for the alleged collection account and that they were violating my rights as a consumer for not providing this information. They had also not deleted the account from my Credit Report and the language used on the letter had violated several consumer laws. This letter was sent via certified mail ( USPS tracking number XXXX XXXX XXXX XXXX XXXX ) and a return receipt was also included. Per USPS site, the letter was delivered on the XXXX of XX/XX/2021 and the return receipt indicated the same. 

As of today, XX/XX/2021, I have not heard back from Credit Corp Solutions, and they are still reporting the collection account on my Credit Report. I gave them 14 days to act accordingly but have not responded. 

How am I supposed to pay an account that can not be properly validated? This could possibly be a fraudulent account that they can't even prove is mine. I asked for a signed contract, and nothing has been provided. Please assist me in obtaining a resolution, thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-16
Company: Automated Collection Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
ACSI reported an alleged account owed by me to XXXX formally known as XXXX. My first knowledge of this debt was via email that was sent by ACSI. I never provided my email address to ACSI or gave permission for ACSI to email me. Because I am victim of fraud, I responded asking for the original debt validation that was never sent via mail as stated in their attempt to collect this alleged debt sent via email. ACSI ignored my email replies and continued emailing scripted responses and harassing me via telephone. ACSI has now re-aged this account that was originally reported to the credit bureaus XXXX and XXXX with the original date of XX/XX/XXXX ( opening date of XX/XX/XXXX ) by closing the original debt collection account as of XX/XX/XXXX and re-inserting it under a different name ACSIXXXX which a new open date of XX/XX/XXXX. This is a violation of the FCRA and my rights as a consumer. My credit report has been ruined which is causing hardship for me and my family. I will upload my police report and email exchanges with this company. I have also filed a complaint with the XXXX XXXX XXXX  and the state attorney 's office.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-29
Company: American Credit Acceptance, LLC
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On X/XX/2017, I mailed a dispute letter to XXXX asking them to remove a negative account, AMERICAN CREDIT ACCEPTANCE from my credit report OR to verify that the debt belonged to me and to send me the name, address and phone number of the person that verified the debt. I wanted them to obtain physical proof. The dispute result came back as " updated and verified ''. In addition, XXXX has allowed this company to raise the balance owed on more than one occasion. I have NO open account with this company and yet, XXXX keeps allowing them to raise the balance. I am desperately trying to buy a home and this is keeping me from that goal.

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 2019-09-19
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I recovered a old Paypal account and noticed I have remaining funds on the account. Since I no longer use the account I wanted to withdraw and close the account but the system would not allow me to receive a check. The error I receive is " Sorry, there's a problem. If you keep seeing this, please contact customer service. '' I contacted customer service by phone on XX/XX/2019 and stated because my account is restricted I can not cash out. Paypal is holding my own money hostage and basically stealing my money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-17
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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX cra violation not mine id theft victim sent po report 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 2022-01-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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/2021, TransUnion LLC also known as TransUnion furnished a credit report admitting that 7 persons accessed my information without my consent from TransUnion. In result, TransUnion deleted 7 inquires in relation to the 7 persons who were able to acquire my information from TransUnion. Deletion is a voluntary acknowledgment. TransUnion did not notify me first about the 7 person acquiring my personal information PRIOR to it showing on my credit report or credit file. The 7 inquires reporting on my credit report has stopped me from extending credit to creditors. TransUnion is required by law to pay me {$1000.00} per person that obtained my information unlawfully without my consent. TransUnion LLC also known as TransUnion owe me {$7000.00} for allowing 7 persons I do not know access my personal information. Please see Exhibit A, C & D for proof of TransUnion admitting to deleting the seven inquires. 

*This CFPB complaint is NOT a request for an identity alert to be added to my profile. DO NOT ADD AN IDENTITY ALERT ON MY CREDIT REPORT, CREDIT FILE, OR CREDIT PROFILE. *

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 2019-05-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I paid {$470.00} on XX/XX/2019 and it was reversed to another account without my authorization

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-23
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On Saturday,XX/XX/XXXXat XXXX CST a call was placed from I, the consumer, to Cash Central. I do not know for certain if this is the company that has been completely rude and obscene to me because they do not identify themselves when they are leaving voicemails nor do they identify themselves when answering the phone. If you call them at the number they leave you on your voicemail it 's always a representative that says " Corporate, this is ( say their names too low so you ca n't hear them ). '' The first representative i spoke with was a woman although I could not get her name because she whispered it. I advised her I was calling in to request for all communication to cease and desist since I had already asked them to not call me anymore on XX/XX/XXXX at XXXX yet they continued to call my employer and references. On XX/XX/XXXX I was hung up on 2 times for asking to speak with a supervisor as well. The woman then transferred me to a man in " corporate '' who 's name was also whispered on the line. I provided all account information and was cooperative the entire time. I asked him to cease and desist all communication on my account and he advised me " yeah that 's not going to happen '' because my account was currently in collections and because I needed to pay everything at that moment. He was very rude and advised me that they will continue to try and charge my checking account until they get their money so to " just keep an eye out and to expect for my money to be gone ''. I asked him, on a supposedly recorded line, " Are you refusing my request for all communication to cease and desist? '' He stated " yes he was not going to stop any calls until you actually pay everything. '' I advised him I will pay their company when I can and have the ability to do so online. He still refused to cease and desist even though there is no law that states they can refuse that request if the account is in collections at that moment. He stated he would only stop the calls until next Friday for me to pay everything then after that they will continue to call me, my employer and references. He also advised me they will most likely take all of my money from my checking account before then either way so to just keep an eye out. I understand i am behind. That was never my intention to begin with. I could not help the fact that Hurricane Harvey affected my immediate family and I am obligated to do everything in my power to ensure their well being. However they did n't care to even try to listen or ask why I am behind or offer any type of assistance other than assisting me with attitude, being rude and obscene then hanging up on 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 explanation
Consumer complaint received 2022-10-04
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 

XXXX OF XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance {$840.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance {$920.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2019-09-19
Company: EQUIFAX, 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:
I have been requesting investigation of inquiries on my Equifax credit report since XX/XX/2019 due to me being a victim of identity theft. These inquiries still have not been deleted/blocked from my Equifax credit report and every time I send a written letter there has not been a response. With FCRA it states if there is no response in 30 days those items have to be removed. I did not make any transactions or make any inquries with those companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13
Company: U.S. BANCORP
State: NY
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 am a victim of Identity Theft. I responded to an email that led me to an unverified site that causes my account including my credit card information to be hacked by someone I do not know. I did not make a Credit purchased from them which appears on my credit report. I already filed a police report about this fraud 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 2019-09-19
Company: CITIBANK, N.A.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with convenience check

Complaint:
Convenience check returned for insufficient funds by credit union Being charged bounced check charges and refusal by Citibank to correct errors even though charging for transactions and balance Money has still not been transferred to 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 2019-09-19
Company: Certegy Holdings, LLC
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Confusing or missing disclosures

Complaint:
I received a Consumer File Disclosure Report from Certegy Payment Solutions , LLC on XX/XX/2019. 

It indicated that I had attempted to cash a check at XXXX XXXX for {$300.00} on XX/XX/19. The check number was XXXX. The recommendation to the client was " Not authorized-reason below ''. 

" This transaction received a decline recommendation from Certegy because it did not meet the acceptance guidelines, which may vary by check cashing location and transaction. Failure may include a combination of : the check number, dollar amount, check cashing history, or other transaction details. '' I called Certegy and advised them that I did not attempt this transaction and asked that it be investigated and then removed. I had indicated to them that I had had identity theft, but even with that said, I did not do this transaction. 

I haven't heard anything back from them.

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 2021-11-03
Company: EQUIFAX, 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: Account information incorrect

Complaint:
My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports.

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter was sent to EQUIFAX but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. Here is the inquiry that is still reporting on my Credit Reports : 1. XXXX XXXX Inquiry Date XXXX. XXXX, 2020 ;

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
transunion just sent me thing that says XXXX XXXX is all good now but doesnt reflect on my credit reports that way

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 2017-07-29
Company: DISCOVER BANK
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I have Discover Credit card for years. They have a price protection plan. in simple terms - if you buy something online and that something is found to be of lesser value within 90 days - one can submit the claim and get the difference amount. I submitted one such claim Claim # XXXX My price protection claim was denied for really weird/unacceptable reason. The XXXX XXXX camera with lens that i bought it - it was found to be cheaper within few days. But still my claims was rejected.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08
Company: CITIBANK, N.A.
State: DC
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:
Hi there. 

I need documentation showing a time stamp for a transaction I made this morning, but Citibank customer service representatives refuse to provide it, and the timing information does n't appear next to the transaction when I pull it up online. I used my Citi card to pay for two hours at a parking meter - {$4.00} on Monday, XX/XX/XXXX. I got a parking ticket before those two hours expired and need documentation showing the time stamp of the transaction to prove to the city that I should n't have been ticketed. Please help. 

Thank you.

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 2022-01-16
Company: National Credit Adjusters, LLC
State: OH
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/2021, NCA added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. 

They did not verify this collection and there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it belongs to me. 

According to the FCRA, NCA has violated my rights as a consumer multiple times and I'm requesting legal action to remove this account immediately!

Company response to consumer: Closed with explanation