BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-13
Company: MRS BPO, LLC
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XXXX of XXXX I reported this debt as fraudulent. The debt was verified as fraudulent by XXXX XXXX XXXX using the account number provided by the previous collection agency. The account number provided wasn't even in their database. The debt was subsequently removed from my credit reports by XXXX because it was determined that the debt was fraudulent. In the previous complaint I requested the contact information of the seller of this debt so that I could ensure permanent closure of this matter. XXXX XXXX XXXX refused to provide that information which left me open to more fraudulent reporting of this fraudulent debt. Since CFBP doesn't require transparency on where they obtained the fraudulent debt we can't actually file a complaint against the company that initiates the fraud, instead, I am forced to file a complaint against the collection agency. The fraudulent debt was reported as late as of XX/XX/XXXX, the current date given is XX/XX/XXXX. It can't be both and be true. During the initial investigation XXXX couldn't provide any details other than my name. The new collection agency has far more information which means that by filing these complaints they have been able to piece together more of my information which only strengthens their case, leaving me fighting to prove they are wrong, meanwhile, they aren't required to share ANY information on where they supposedly obtained the debt. Please see the attached documents showing the grave inconsistencies in this debt.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Thank you for taking the time to review my complaint. In XX/XX/2016 I was granted a car loan with assistance from my mother. With my mother as co-signer, the vehicle had high payment with a high-interest rate. Understanding the laws of unfair sales practices, a co-signer shouldn't be a liability. When there's a transfer of risk, according to laws, being placed in a financial burden is illegal. Being young at the time, the first vehicle, payments were made according to term agreement. Within the second year of the contract, the vehicle experienced a major decline with issues. Vehicle costs increased within the second year of the contract. Unable to maintain both costs of maintaining the vehicle ; our decision was to return the risk which was placed with us.

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 2020-11-04
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1000.00}, {$48000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account. 


-- STUDENT ACCOUNT 2. XXXX XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$48000.00} -This is not 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 2018-05-06
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: Personal information incorrect

Complaint:
My address is XXXX XXXX XXXX, XXXX, FL XXXX. I have had the same address sinceXX/XX/2004, that is, FOURTEEN YEARS. Experian continues to put the wrong address on my credit report. 
I have filed three complaints with this company asking them to correct my address. The Experian company has instructed me to send a copy of my driver 's license and utility bill, which I have done, three times. The address remains incorrect. 
I have never ever lived at any of the three addresses that Experian is listing on my credit report. 
This incorrect information is continuing to cause me problems. 
Please get Experian to purge the three incorrect addresses once and for all and to put in my correct address. Experian already has three copies of my driver 's license, from the three previous times when I  have tried to get this corrected.

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 2018-05-06
Company: Grant & Weber
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:
they are reporting a collections and negative account on my XXXX   credit report that does not belong to me this account and balance are not mine and they were to removed these from my credit reports months ago please remove this incorrect information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-06
Company: I.C. System, 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:
they are reporting a collections and negative account on my XXXX   credit report that does not belong to me this account and balance are not mine and they were to removed these from my credit reports months ago please remove this incorrect information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11
Company: AMERICAN EXPRESS COMPANY
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This is a fraudulent charge and I was contacted by the Amex. numerous times and I tried to pay the entire amount just so they would not report as a charge off every other month to pull my credit score down to punish me for the debt, that they deemed fraudulent. I was told to contact the Collection Agency in which I contacted them and was told by them they no longer held my file, I again several times asked to speak with someone in Management who I was attempting to just pay it off and was told no in Management couldn't do no more than the Representative whom I was speaking with and I was denied access to speak with someone in Management. Every other month they hit me with a fresh Charge off as a way to hurt my Credit. I contacted XXXX and shared with them how I was being treated and was told that wasn't the way they were supposed to fix the problem. So again a dispute was initiated by a Representative of XXXX in an attempt to resolve the problem. I have never been told that I could not pay to clear up a matter. I have been trying to get this taken care of since XX/XX/2019.I am a XXXX  and XXXX XXXX XXXX XXXX  XXXX injured in the line of Duty and very limited by what I can not do and I am very frustrated by the total lack of support trying to get this problem fixed so every other month my credit score is damaged by this one Company American Express credit card. Thank you for any suggestions or help you may be able to help me with. 
on

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-13
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: Investigation took more than 30 days

Complaint:
THESE ACCOUNTS WAS LISTED ON MY CREDIT REPORT I NEVER OPENED THESE ACCOUNTS MY INFORMATION WAS USED IN A DATA BREACH CAUSE THESE COMPANIES DO NOT RING A BELL PLEASE HAVE THESE REMOVE FROM MY FILE.

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 2021-01-20
Company: JPMORGAN CHASE & CO.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We just received our new mortgage statement for XXXX. They are saying they under proposed our escrow payments for XXXX and in doing so we now owe {$4800.00}. That is a huge amount and I don't feel like I should be responsible for almost {$5000.00} because they did not quote or do their research into what our charges would be for the year. I have never missed a payment or given any trouble on my mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
We learned that our bank account had been hacked and so ... 
Tonight my wife went online to place credit freezes with XXXX, XXXX and Experian. The first two were a breeze, free, easy, done. Experian offered a freeze as part of a service costing {$4.00} for the first month and $ XXXX thereafter. With a further search, she located the free form, completed it online just as with XXXX and XXXX but Experian rejected the application and gave instructions on what hard copy materials to mail. 
My wife tried earlier in the day to reach Experian but the qualifying questions asked to confirm identification would have required an extensive records search of past mortgages and so she abandoned the effort. Phone and online are not easily available alternatives when it comes to Experian. Our experience was substantially poorer than with the other two companies, XXXX and XXXX. We will now have at least a week of delay because we will have to mail materials to Experian and then wait up to three days from receipt for Experian to act.

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 2020-11-04
Company: EQUIFAX, INC.
State: WA
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 removed late payment history and late payment information on a closed account over 7 years ago. I have repeatedly provided the credit reporting agency with my copy from XXXX XXXX stating they were removing the late payments. I have been on the phone with the credit reporting agency in XXXX and XX/XX/XXXX and also providing written disputes via their websites during the months of XXXX and XXXX and the information in error is still on my reports. XXXX has still not removed the history of XXXX and equifax removed an XXXX but still have an XX/XX/XXXX which is supposed to be removed from the history payments along with any notification of late payments I have also attached a copy of the letter from XXXX XXXX dtd XX/XX/XXXX that they were removing all late payment information from my account both history and written

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/2020, I opened an account online with Citibank using the special promotion link on their website. The promotion stated that if I opened a new checking account with at least {$15000.00} and kept that minimum balance for 60 days, the account will be credited with a {$400.00} bonus within 90 days after the initial 60 day period. There was an additional {$100.00} bonus if I made a direct deposit into that account. 

After opening the account online, I promptly transferred the {$15000.00} to Citibank. I have never made any withdrawals from that account since then and did not make any direct deposit. However, it has been almost XXXX months, Citibank has not kept their end of the bargain and deposited the {$400.00} bonus into my account. 

After initially confirming through an online chat with a Citibank representative named XXXX on XXXX XXXX XX/XX/XXXX that my account would get the bonus by XX/XX/XXXX, Citibank is now reneging and claiming that my account was never opened using any promotional offer. They are asking me to provide proof which is sort of impossible since the account was opened online using their special link for the promotional offer which still exists today. 

I have spent the last month going back and forth with Citibank and they continue to give me the run around promising to research the issue and get back to me but the results are the same. 

Can you please help? Can you please help? If you need further documentation, please let me know. 

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 monetary relief
Consumer complaint received 2021-06-01
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violations under the 15 us code 1681 and 15 us code 1681b ( FCRA ). I was so worried that this might affect my credit transactions in the future. I need this issue to be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-08
Company: U.S. BANCORP
State: IL
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:
US Bank and XXXX XXXX  US Bank reporting late payments and delinquents 30 to 90 days late. XXXX some false statements on reporting late and no available credit i have bank statements and checkbook statements are available a few payments maybe 2 days late because of mailmen postal delivery.

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 2020-07-29
Company: Experian Information Solutions Inc.
State: VA
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 have several credit inquiries I never authorized. I've disputed with the bureaus on several occasions and they refuse to assist me with getting them removed. The accounts are as follows XXXX XXXX XXXX   XXXX XXXX XXXX & XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX & XXXX XXXX XXXX  XXXX None of these were done by me or with my consent. I haven't shopped for a car or credit with any of these companies.

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 2018-05-07
Company: TRANSWORLD SYSTEMS INC
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
These accounts from " Transworld Systems '' showed up on my credit report in XX/XX/XXXX as delinquent although I was never contacted by them in any way. Initially, I thought identity was stolen, but apparently this is an attempt to collect on loans from XX/XX/XXXX that I thought were forgiven due to the fact that I am permanently XXXX and on Social Security XXXX due to severe XXXX XXXX & XXXX. I don't understand why Transworld Systems is now, out of nowhere, reporting that I am delinquent on this debt. Moreover, the information they are giving the credit agencies is very misleading because it is showing that the account was opened XX/XX/XXXX. I never opened an account with them, and for them to report this as late without ever notifying me that I owed anything is very unfair. I've called numerous times but the line is ALWAYS busy. I'm not sure, but this seems like a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
We held a credit card account with Bank of America ( XXXX Visa ) going back to XXXX. We moved to XXXX in XXXX, but kept our US bank accounts active and had this credit card on automatic payments monthly. At some point, Bank of America sold these accounts to XXXX XXXX and our automatic payments became null and void. We were unaware of this change for a number of months due to the delay in getting correspondence to us in XXXX. We were finally made aware when a collections agency contacted us with regards to our account. At this point, we made a payment arrangement with the collections agency and paid the full balance owing on the card. 

Our credit report shows FAR more late payments than was actually the case, firstly. Secondly, the account has been paid in full. Thirdly, when I tried to resolve the matter with Bank of America, they can not even locate our account in their archives or anywhere to corroborate our account details. We shouldnt be penalized when Bank of America can not corroborate our late payments or whether or not the account was paid in full. We have all of our documentation still on file.

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 2021-06-01
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:
Hi I was woking with my bank to start the process to get a house and saw alot of inquiries that were not mine. I filed a compliant with the FTC and I spoke with the bureaus and no help. I was told I can reach out to you all for help with this. I am doing this on my own and need help. I have listed all the inquiries on the attached FTC 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 non-monetary relief
Consumer complaint received 2020-10-12
Company: COLLECTECH DIVERSIFIED, INC.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company responded to my last CFPB complaint advising that this debt was verified. This debt was NOT verified lawfully under the FCRA. I have yet to receive any PROOF that I signed any contract to be in agreement with them and that I owe them any money. 
They did not send me proper verification ( WHICH I ATTACHED. ) They sent alleged account information. That is not enough. They need to send invoices bearing my signature or a contract bearing my signature to properly verify this debt under the FCRA. They have not and I am willing to pursue this matter legally as my rights are being violated.

I reached out to Collectech Diversified on XX/XX/XXXX in regards to account XXXX. This is for XXXX XXXX and XXXX for an address I am not associated with and never lived at. I attached the letter I sent certified. I also attached their response I received on XX/XX/XXXX which was only the name of the original creditor and alleged dates of service and amount owed. FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. Collectech Diversified has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine.

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