BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-23
Company: CCS Financial Services, Inc.
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
his letter is a formal compliant that you are reporting and incomplete credit information. According to the Fair Credit Reporting Act section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( I.e. : an original consumer contract with my signature on it ) that you have on file I demand that the following accounts be verified or removed immediately failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. Therefore, either provide the requested information or cease your collection efforts and reporting of this account on my credit reports immediately. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit 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:
XX/XX/XXXX statement {$460.00} due XX/XX/XXXX. I paid {$460.00} XX/XX/XXXX. Paid the bill in full. A bill of around {$5000.00} that I paid off in 4 months. I had no idea that a {$8.00} bill was after the {$460.00} that was due XX/XX/XXXX that I paid off in total. Further, I never received a bill that {$8.00} and then {$16.00} late fee occurred. The only reason I knew that I owed BJs any additional money was because my credit report gave me a notification. Further, why would I pay {$460.00} and leave {$8.00} for the next month to be paid? Makes no sense. I would have included the $ XXXXwith the {$460.00}. Now this effect my credit score that I have worked hard to improve. I would like to report this and also have the fees taking off and my credit score fixed or taking off my credit report. Thanks.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-12
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: Information belongs to someone else

Complaint:
I recently discovered that a collection I paid was not mines. I will be suing the collection company to recover my funds However, I attempted previously to have item removed by Equifax and received a letter from stating the account was verified as accurate. I request written verification or removed accordingly. Again, I sent Equifax a letter which they received XX/XX/XXXX via certified. I ask them to remove the unverified collection account or to provide written verification documentation. I knew they would not be able to provide proof because the debt was not mine. I also reached out to XXXX and they recognizes this and removed the collection immediately. I have not received written verification because it does not exist and the collection continues to be reported. 

XXXX has also failed to provide WRITTEN VERIFICATION, not false certification by XXXX, but by a signed agreement or legal document with my signature or voice authorizing the amount they claim is past due in collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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: Problem with personal statement of dispute

Complaint:
I want credit bureau to include my statement on the report. 

This is my statement : I, XXXX XXXX under oath and penalty of perjury declare that I am a victim of a financial crime. The information about the outstanding balance, late payments and charge offs, though correct is NOT due to my negligence or abuse of credit. All of it is due to cumulative effect of the financial crime against me. I have been and will continue to pursue all legal venues to fight this injustice against me with state, local and federal law enforcement agencies and courts.

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 2021-12-09
Company: EQUIFAX, 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: Account information incorrect

Complaint:
Account is reporting as a charge off.And I would like to have it removed from all three credit bureaus. Its been XXXX  years from the first date of delinquency. Per XXXX XXXX account should been removed off the credit it XX/XX/XXXX. Ive disputed this account through XXXX, Equifax and XXXX however it still remains on my credit report. Ive worked with XXXX XXXX XXXX in XXXX and have been working with XXXX XXXX to have this delinquency removed from my credit report. Escalations letters have been sent to XXXX finance company as well as the XXXX credit bureaus and have not heard anything. Please help me removing this account from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10
Company: Phoenix Financial Services LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have to credit agencies trying to collect on the same old medical debt, debt that should have been covered by either XXXX XXXX XXXX XXXX, XXXX, or Financial Aid. 

I have verified that XXXX XXXX XXXX XXXX has a right to the debt but for 5 years every 3 months they remove the debt from my credit and then open new accounts and report it as new ( most recently as XX/XX/XXXX ) - every time I make progress repairing my life after being XXXX  they tank my progress anywhere from 50-100 points. 

Phoenix Financial is trying to fraudulently collect the exact same debt and I have verified with the hospital that the have no right to the debt. 

I have been writing the credit bureas and collection agencies by certified mail for 3 years, As soon as I win a dispute and everything is removed then they once again report it again as new and I have to start the process over. I have sent in the actual dates of service provided directly from XXXX XXXX XXXX XXXX showing incorrect date and repetitive reporting of the same debt but again if they remove if they put it back on and once again tank my progress. 

I have not made a single lat payment on since XXXX - and nothing that I should be repsonsible has gone unpaid, however, because of this cycle none of that is helping me. 

On XX/XX/XXXX I was XXXX  and almost XXXX, without getting the assistance I was promised, I ended up homeless and almost died  10 months later of XXXX. It took all that to get help. Some how 95 % was covered and paid through the coverage I qualified for, but some slipped through the cracks. I had to restart my entire life after losing everything and I should not still be paying for the mistakes of others that directly relate to an XXXX XXXX, I was forced to start over at XXXX years old and I don't have the money to fight this process or hire and expensive lawyer but I also should be punished continually, fraudulently and illegally for people that want to inaccurately and repetitively report items against you falsely.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18
Company: Data-Central, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received an alert my credit went down in XX/XX/2020. When I received my credit report from XXXX, I noticed that I had a collection on the report from Central Billing LLC. I never received notice about this debt prior to it being reported. I also noticed the company name is XXXX, which isnt a company as XXXX  is a customized news feed on the internet. Ive disputed this a couple of times. Each time, I tell XXXX  I have not received notice, but Im not sure they are expressing that to Central Billing. When I try to contact Central Billing, my attempts fail. Ive attempted multiple phone calls ( to either no answer or get hung up on ) and contact via email through their website ( to which I receive no response ). Their refusal to work with me and verify the debt is frustrating and immoral. The more they refuse to work with me, the longer this collection stays on my report and affects me long term.

Company response to consumer: Untimely response
Consumer complaint received 2020-07-23
Company: U.S. BANCORP
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I went to my local bank branch at US bank in XXXX on XXXX XXXX., I used the ATM drive through to deposit {$500.00}, the ATM pulled all the money in but then shot it right back out but only shooting out {$400.00} and not the {$500.00} I initially put in, so it kept {$100.00}, even the employee I spoke with after the incident stated she saw this on her computer, she saw the error! but I still had to file a claim she could not do anything in the moment to resolve this. So I filed the claim, waited 10 business days to find that the bank was denying my claim! How can they deny a claim when their actual employee saw the error herself in their bank computer system! So someone has my {$100.00} whether it is the bank employees or the ATM people that pick up the cash. This is not okay, I would like an actual full investigation into the ATM itself the ATM employee and whomever handles the cash in that ATM, someone should be held liable for stealing my {$100.00} and it should not be 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 2023-10-10
Company: Terrill Outsourcing Group
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
i never received a letter in the mail, an email, or phone call, etc..

from the company superlative rm i had to find out what was in collections, because i was never notified in any way at all.

it has been affecting my credit for months now & i have never received anything from the company whatsoever, until today, when i looked at my credit, saw it has drastically dropped & then, had to do some digging to figure out what was ruining my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: U.S. BANCORP
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Regarding a joint checking account with my teenage daughter : In XX/XX/2022, Funds were illegally transferred out of the account through the XXXX money transfer service. Then forged/ invalid checks were deposited into the account to have the fake funds also transferred out via XXXX XXXX Once the fake checks were returned the account went into negative balance. 

Never used XXXX previously on the account nor authorized its usage. My daughter had never even heard of XXXX nor ever deposited checks remotely. 

Filed a Fraud complaint with US Bank. The branch manager said the issue would be resolved and the actual stolen funds of ~ {$300.00} would be reimbursed, and the fake check funds would be removed. 

Did not hear anything until XX/XX/2022, when received a letter stating the account would be closed and the negative balance would be considered " XXXX XXXX ''. 

Subsequent call to US Bank said they had denied the Fraud claim- but they did not notify us. US Bank gave no path forward for resolution even though the XXXX security was at fault and it is a known problem. US Bank has no procedures to dispute fraud claim findings and do not even allow customers to speak to the Fraud department. 

I can not provide documents because the account was closed and removed from the online access.

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 2022-10-28
Company: United Shore Financial Services, LLC
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Credit declined by underwriters for supposed eviction XXXX. My daughter was evicted from a trailer park in XXXX. I probably co-signed for her. I don't know if this is what is causing the denial. I have tried to get information about what I owe for my daughter 's eviction and who I owe it to, but have not been successful yet. I moved to Florida in XXXX and never got any notice of legal action at the time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
Somebody or someone taking my name on my name on my social security so report to the police on XX/XX/2720

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 2022-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2022-11-28
Company: Continental Finance Company, LLC
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
In XX/XX/2022 I set up the auto pay function for my credit card. Unknown to me they did not debit my account in XXXX and waited until XXXX to debit my account. Auto pay was set up in time for the payments to start in XXXX. Since XXXX they have charged my account a XXXX late fee every month. The card balance on my statement from XXXX was XXXX. I called and spoke with a XXXX named XXXX- all of the late fees were supposed to be removed from my account, but this has not happened. I have spoken to several other people and have requested callbacks from a XXXX or someone in a position that can help get this sorted out. As of today I have had no luck in getting this resolved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act, XXXX XXXX ( Original Creditor : XXXX ) Account number : XXXX, XXXX Account number : XXXX, XXXX XXXX Account number : XXXX, XXXX  Account number : XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) Account number : XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18
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:
There are accounts on my credit report that are 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
Consumer complaint received 2023-08-22
Company: EQUIFAX, INC.
State: NJ
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 kindly urge you to remove this inaccurate account from my credit report, as it does not belong to me and I did not provide authorization for its existence. I have taken the liberty of providing you with the necessary documents to substantiate my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Received text from XXXX stating Truist_ALERT : We cancelled an unusual charge, visit XXXX  : XXXX to verify. I did not click the link I called Truist and they stated if something is wrong with my account they will send it from a XXXX digit number. I am just reporting the fraud so other Truist members arent in the same situation and make the wrong decision and click the link.

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 2020-07-31
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was trying to cosign for my cousin a new vehicle, and the car salesman told me my credit was low. I told him to show me my report and to print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts. XXXX XXXX {$17000.00} XXXX/XXXX XXXX {$220.00} XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX XXXX {$990.00} XXXX/XXXX  XXXX {$3100.00} XXXX XXXX {$3100.00} XXXX XXXX {$260.00}

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 explanation
Consumer complaint received 2020-06-12
Company: TMX Finance LLC
State: NV
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
I already spoke to the Title Max. The reason for this complaint is because I need a 3rd party mediator to make Title Max follow the same instructions like any other Loan Company has done and should not be treated any different. Or I won't have a car. 

Please forward this to anyone that can help me and many others before it's to late. 
XXXX

Company response to consumer: Closed with explanation