BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-02
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I've attached the email I've sent to XXXX XXXX/ XXXX XXXX XXXX CREDIT CARD. 

They've have willfully caused financial harm for allowing continuous erroneous charges on my expired credit card. I was very sick and then attending to family for a deceased grandmother the past 7 weeks. Upon return to Texas, I was notified by credit bureau monitoring services that my credit was now showing 30 days late. 

Never in the history of my life have I ever been late 30 days with any creditor including XXXX XXXX. This account should be XXXX from XX/XX/XXXX through this moment and yet I still went ahead and paid this nominal {$200.00} frivolous charge that XXXX XXXX Allowed. Additionally, I've purposely tried to use the card this weekend and its delcined due to being expired in XXXX. I've NEVER even been able to use or charge anything on this card EVER since XXXX. 

I've contacted 2 law firms today and in addition, I'm also contacting my Attorney General 's Office in Texas and will be sending a complaint to XXXX XXXX ' state where they have their main HQ in the United States. Additionally, I've also sent a complaint to the Federal Trade Commission as they won't fix and correct my credit reports. 

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 2023-09-30
Company: Regional Management Corporation
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was told to fill out forms for fraud, yet they werent fully submitted by the representative at the time. Ive re filled out the forms and re-submitted them with a notary and police report of the incident and its still reflecting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: Bright Capital Inc
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Received notification that I received a credit inquiry from a company listed as " XXXX '' which was listed on all major credit reporting agencies. I did not authorize this inquiry. I contacted the reporting company, and they have yet responded to this serious matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22
Company: OneMain Finance Corporation
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My identity has been compromised by somebody that I do not know. My identity has been compromised by somebody that I do not know. Please feel free to give me a call if you have any questions or concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am experiencing severe anxiety due to the inaccurate late payment that is appearing on my account, despite the fact that I have always made my payments on time. This issue is affecting my ability to sleep and is causing me significant distress. I implore you to take urgent action to update my account and remove the erroneous late payment from my record as soon as possible.

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 2019-03-27
Company: PlusFour, Inc
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Plusfour sent me an itemized invoice for XXXX rental. XX/XX/XXXX -XX/XX/XXXX I was in XXXX Virginia attending XXXX University . 

Nonetheless, please delete this from my credit report ASAP and cease all collection attempts. 

Please see attached - FTC ID THEFT AFFADAVIT - LOCAL POLICE REPORT ( case # XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: CBC Companies, Inc.
State: IA
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:
Reporting my information to credit bureau without my knowledge also reporting false information about a public record verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-04
Company: The CMI Group, Inc.
State: IL
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 a victim of Identity theft/fraud. 
I have notified this collection company/original creditor several times that the account does not belong to me, I have not in any way received goods or services from this company and I have provided my police reports, my FTC id theft AFFIDAVIT signed and notarized along with my sworn statement regarding the fraudulent account. 
documents submitted to CREDIT MANAGEMENT, XXXX, XXXX  AND XXXX  XX/XX/2018, includes affidavit, police report, sworn statement w/ signed signature receipt XX/XX/2018, includes affidavit, police report, sworn statement w/ signed signature receipt This company is in violation of the FCRA. CREDIT MANAGEMENT, XXXX, XXXX  AND XXXX  continue to report this fraudulent account on my credit report although I have provided these documents with no response from the company or any representatives. 

This account must be removed immediately, as it is in clear violation of the FCRA.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Was not notified of investigation status or results

Complaint:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 2015-06-10
Company: Russell Collection Agency, Inc
State: MI
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I discovered that my credit score had declined due to a report from Russell Collection Agency. I have never received a call or mail notification from this company and I have no idea what it is from.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-23
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
As per the Fair Credit Reporting Act ( 15 USC 1681 ), specifically section 602 ( a ), it is emphasized that consumer reporting agencies must carry out their significant responsibilities with fairness, impartiality, and a regard for the consumer 's right to privacy. In this context, XXXX and Experian function as consumer reporting agencies, and I, as the consumer, have the right to ensure the confidentiality of my private information. This right is supported by 15 USC 6801, which declares the Congress 's policy that financial institutions, including furnishers of information to credit agencies, have an ongoing obligation to respect customer privacy and safeguard nonpublic personal information. 

Pertaining to the disclosure of consumer reports, 15 USC 1681 section 604 ( a ) ( 2 ) specifies that a consumer reporting agency may only furnish a consumer report in accordance with the written instructions of the consumer. I assert that neither the financial institution nor the consumer reporting agencies, XXXX and Experian, possess my consent or written authorization to furnish this information, revoking any prior consent, be it verbal, non-verbal, written, implied, or otherwise. 

Referring to 15 USC 6802 ( b ) ( c ), a financial institution is prohibited from disclosing nonpublic personal information to a nonaffiliated third party unless the consumer is informed of their option to exercise nondisclosure. However, the furnisher of information to credit agencies failed to provide me with information regarding my right to exercise the nondisclosure option. 

Furthermore, the reporting of adverse information without my permission is a violation of 15 USC 1681C ( a ) ( 5 ), which prohibits consumer reporting agencies from including adverse information in a consumer report without authorization, unless related to convictions of crimes that precede the report by more than seven years.

Additionally, 15 U.S. Code 1681s2 ( a ) ( 1 ) stipulates that a person shall not furnish inaccurate information to a consumer reporting agency. XXXX and Experian 's actions in reporting adverse information without my consent constitute a violation of this provision. 

The requirement outlined in 15 U.S. Code 1681e mandates consumer reporting agencies to maintain reasonable procedures to avoid violations of the Fair Credit Reporting Act. It is evident that XXXX and Experian are not adhering to these reasonable procedures. 

Finally, according to 12 CFR 1016.7, a consumer has the right to opt out of reporting services at any time. Therefore, I am exercising my right to opt out of the reporting services provided by XXXX and Experian.

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 2021-07-25
Company: GOLDMAN SACHS BANK USA
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Apple Card cant verify my identity through XXXX XXXX Ive talked with them through email and phone and get same results denial of the card due to identify verification

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: Post Lake Lending Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was contacted by a company called " Post Lake Leading '' Or " XXXX XXXX '' I guess they are same company. They said they was gon na garnish my wages in the total of {$970.00}. But, at only 15 % of each pay period, till the balance was paid out. They have not validate this debt with me. I have not made any contacts with this company to pay anything to them. And, it's not even on my credit report at the moment. Not really sure if it will show up on my report later. But, if it does show up on my credit, I'd like it removed immediately. 

Thank you!! 

The address to Post lake leading is XXXX XXXX XXXX XXXX AZ XXXX THANK YOU!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
My Oregon Tax refund check deposited in XX/XX/XXXX was cashed by B of A from the dept of revenue, but never posted to my account balance. In XX/XX/XXXX ' they verified this with no explanation, and requested I re deposit check electronically, Which I did. They posted the {$300.00} to my acct. for several days, then reversed it and told me Oregon dept of revenue rejected it, due to being more than 120 days old. Oregon says it Was withdrawn from Their account and won't reissue. B of A told ME to have Oregon file a claim against Them, to get MY money back!

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 2016-04-22
Company: Clear Debt Solutions, LLC
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
I have a delinquent loan with XXXX XXXX XXXX. A company called CDR has been trying to collect on that loan. I contacted my Bankruptcy attorney who told me they are a SCAM company and the only thing to do is contact the FTC and file a complaint. their phone number is XXXX and his extension is XXXX and goes by the name of XXXX. Also contacted my brother and has all my personal information. Please stop this person, he tries to bully to get me to pay, even after I gave my attorneys contact info, he wad irate.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I would like all fraudulent accounts and inquires removed from my credit file. I've sent certified letters and the information remains still.

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 2016-05-31
Company: AMERICAN EXPRESS COMPANY
State: PA
Product: Credit card
Issue: Other fee

Complaint:
Recently, due to failure to renew their master agreement, XXXX and American Express have ceased their commercial relationship meaning that the XXXX American Express Card would cease to be valid in XX/XX/XXXX. According to a mailing received from XXXX, all outstanding balances on the American Express Card would be transferred to the new Visa card they are issuing to members. Disturbingly, the mailing indicated that the balance transfer would be assessed at the penalty rate even though the American Express account was in good standing. As this will result in a significantly increased interest rate on outstanding balances, even though the cardholder did nothing whatsoever to warrant that assessment, and such assessment is by the terms of the new Visa cardholder agreement illegal since under that agreement the penalty rate can only be charged if the account is past due or payments have been missed. In my view this assessment constitutes an violation of the Fair Credit Billing Act as it is imposing a penalty where none is authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX, I was the victim of a XXXX scam that stole XXXX  from my savings account. The scammers were posing as Bank of America notifying me that I had been a victim of fraud. It's important to note that the fraudulent charges they claimed were there did actually appear on my account. They then instructed me to XXXX money to myself ( this was the scam ) and that it would reappear in my account. 
A week later, I noticed the money was still missing, so I got in contact with Bank of America and was told to come into my nearest branch. I made an appointment for XX/XX/XXXX and this is when I was told that the initial call was fraudulent and was the actual scam. My local branch filed a fraud claim on my behalf, and I was notified today, XX/XX/XXXX, that they are unable to refund the money that was stolen from me. I'm unsure where to escalate this to next but would appreciate your 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 2018-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi my name is XXXX XXXX and I have been writing your company endlessly and also writing directly to XXXX  to try to get my credit score correct as I am a victim of identity theft since 2009 up to the present. I have tried endlessly to work with the credit bureaus but they keep reporting false balances even when I send actual paperwork from my credit card companies. Let me start with XXXX the balances that they are reporting on my XXXX account are in accurate and I would like it updated. Also the balances that they report one my XXXX XXXX card acccount is inaccurate and I would like it updated. Also the balances that they are report on my XXXX XXXX card and my XXXX XXXX card are inaccurate and I would like them updated with correct amounts. Also XXXX does not have my employer listed and I would like my employer added to my credit report the company I work for is called XXXX XXXX XXXX XXXX. Also XXXX is putting my identity at risk because they displayed my whole social security number on my report and never updated my mailing address as requested. So please make them update my mailing address to XXXX XXXX XXXX XXXX ny XXXX as they keep putting my information at risk.

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 2023-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this 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 non-monetary relief
Consumer complaint received 2022-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 XXXX  has yet shown any competent evidence bearing any signatures that I do in fact have or ever had contractual obligation to PAY THEM! I do not owe XXXX XXXX XXXX any alleged debt and this is a violation of the Fair Credit Collection Practice Act FDCPA 807 [ 15 USC 1962e ] ; all credit reporting agencies delete entry! 

Transunion - consumer collection service alleged {$86.00} XXXXXXXX XXXX XXXX XXXX for alleged {$86.00} ; alleged {$820.00} XXXX XXXX XXXX XXXX for alleged {$86.00}

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 2022-12-26
Company: EQUIFAX, INC.
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 XXXX has yet shown any competent evidence bearing any signatures that I do in fact have or ever had contractual obligation to PAY THEM! I do not owe XXXX XXXX XXXX any alleged debt and this is a violation of the Fair Credit Collection Practice Act FDCPA 807 [ 15 USC 1962e ] ; all credit reporting agencies delete entry! 

XXXX XXXX XXXX XXXX XXXX  alleged {$86.00} XXXX XXXX XXXX XXXX for alleged {$86.00} ; alleged {$820.00} Equifax- XXXX XXXX XXXX for alleged {$86.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-24
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Hello I need your help on a collection accounts that is showing on my credit report. 
By law I read the collection agency couldnt charge you interest after they both the debt for a penni. 
Another note, why this collectors all alleged that I owe them money, I had never made any business with these company I did not gave them permission to have access to my personalL information. I dont even know who this peoples are. Anybody clido mail a letter that they owes money to XX. Company. 
But how they proof that. I have no business these companies.. 
If they are adding interest on this accounts why I never received a letter or statement advising me about new charges. And they failed to validate this account they didn't even want to tell me if midland funding and XXXX XXXX XXXX XXXX XXXX Attach are the screenshots.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23
Company: Harvard Collections, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This communication is in response to Complaint ID : XXXX with Harvard Collections.

I have received correspondence that Harvard Collections didn't receive any verbal nor written agreement from me in order to validation the debt as being mine, however I have stated that I don't recall owing them anything, and it is still showing on my report.

This is a clear violation of my rights under the Consumer File Rights as well as the Fair Credit Reporting Act.

If they aren't able to validation the debt, then they need to remove the item from my credit. As a matter of fact, I see another company on my XXXX credit report that appears to be collecting the same debt. I'm not even sure what this debt is, neither am I sure of whom I'm supposed to be dealing with in regard to its resolution.

This item doesn't have enough support to validation ir being mine, let along negatively impacting my credit report.

Company response to consumer: Closed with explanation