BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-14
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX was not removed from my credit report as it should have been in accordance to the fraud report that was filed. I would like both of the XXXX XXXX accounts removed from my credit 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 2023-06-18
Company: CREDIT ACCEPTANCE CORPORATION
State: CT
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:
Credit acceptance sold me a lemon for a vehicle would not take it back where nnthe XXXX  days of the loan

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 2023-02-14
Company: ARC Management Group, LLC
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In XXXXXXXX of XXXX  I had a baby. Over the course of multiple visits with my doctor, I proactively paid for my hospital bill in full. 

More than a year after giving birth, I began to receive collection calls regarding my hospital bills. I asked for an explanation but received none. I was told I needed to contact the medical center directly to be able to release that info. 

I did so. Multiple times. Left messages. Asked for a bill. My husband did the same. No response. 

We are now 3 years and 4 vendors into getting collection calls and letters for a debt of {$1600.00}. I have disputed the debt each time the account has been sent to a new collection agency. After requesting my validation of debt, 2 of the 4 agencies provided an email to request a copy of the itemized statement or billing form. I first did so within the allotted time frame on XX/XX/XXXX. I received the exact same form today stating I need to fill out the exact same request when I received nothing from them from the request on XX/XX/XXXX or any of the other times I have requested documentation. 

At this point, there have been so many violations of my rights under the FDCPA, the service provider is lucky I haven't hired an attorney to pursue damages regarding their reckless effort to collect this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: CITIBANK, N.A.
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
In regards to my Citi checking account, ending in XXXX. 
By XX/XX/XXXX I had withdrawn the total balance from this account down to XXXX, and completely stopped using it. 
Unknown to me until recently, a deposit of {$700.00} was made into this account on XX/XX/XXXX. From that money, Citi deducted a {$30.00} per month fee for XXXX consecutive months. A total of {$450.00} was deducted in fees, unknown to me until recently. If I had known there was money in this account, I would have withdrawn it. 
I think it is unfair that Citi charges a monthly fee on an inactive dormant account. I don't recall receiving any notifications of there being a balance in this account. Or seeing this account when I would log in to citi.com. 
Doesn't Citi make any attempt to notify the owner of an account gone dormant? 
I talked with a Citi representative about this on XXXX - telling him another Citi representative told me way back on XXXX that I would get a letter from Citi telling me if I was going to be getting this {$700.00} deposit. I never received any such letter. I have not yet received any followup reply.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: Experian Information Solutions Inc.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Account was fraudulently opened under my name. Bank sent me a letter dismissing the account and deleting the account a debt collector is violating my right for the 3 time they were able to post the same debt under my credit. Please removed the account from the 3rd time this is absolutely annoying and disrespectful after I proved them I got nothing to do with that collection. 
Debt collector is XXXX XXXX XXXX Account was opened in XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-22
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
Recently I did an investigation on my credit report which caused me severe distress upon the discovery that my right were violated by XXXX XXXX in the amount of {$11000.00} In accordance to the law : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions The law has been broken and my rights have been violated! 

Delete this from my credit report immediately.

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 2023-06-12
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
This company illegally added an Extended Fraud Alert ( Expiration Date : XXXX/XXXX/XXXX  ; Date Reported : XX/XX/2023 ) to my credit report without my knowledge, written or verbal consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-05
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
After reviewing my credit report, and making multiple complaints. I've found that inaccurate and unverified information is still being reported on my credit report. Reporting dates, as well as open dates are inconsistent, and inaccurate. 

By law, Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. 

It has been well beyond 30 days, and this information has not been removed. I have provided a screen shot, showing the blatant inaccuracies. And I also have yet to received an original copy of my signature, giving consent to these services and to my personal information being furnished to be reported. I've requested this twice, over the past 90 days. This is a clear act of willful negligence. 

The account in question is : XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01
Company: EQUIFAX, INC.
State: SC
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:
This is my further Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2023-11-09
Company: MicroBilt / PRBC (formerly CL Verify)
State: PA
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:
my idenity was stolen. fraud was committed in my name.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: Sunlight Financial LLC
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
Had Solar Panels put on my house a year ago and the company went out of business leave me to pay over {$60000.00} for a system that is still not up & running can I please get some help to fix their wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
Company: Bread Financial Holdings, Inc.
State: NM
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
XX/XX/XXXX Called Comenity Bank to payoff/close my XXXX credit card in full. Payment processed over phone XX/XX/XXXX Received a XXXX statement with a balance. Called Comenity and was told consisted of additional accrued interest and late fee ( even though they had assured me my payment in XXXX would pay off in full ). Payment processed over phone. Assured payment would zero out balance in full. Comenity reported payment 30 days late to credit bureaus flawing my perfect credit history XX/XX/XXXX Received a XXXX statement with a balance. Called Comenity and spoke to 2 supervisors. Not cooperative at all or willing to rectify error on their part

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-23
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: Account information incorrect

Complaint:
My Equifax credit score recently plunged XXXX points when I checked it on XXXX. That site was unable to provide any information as to why this had happened. I visited my account on the Equifax website and it indicated that I had no outstanding accounts nor any credit history ... .yet the same site shows my 6 accounts and adequate credit history. I had this same problem with Equifax in XXXX of 2022 and it was resolved but without contact from them nor any explanation as to why it occurred. I am concerned because of Equifax 's horrible track record for data security and because correct credit scores are crucial in today 's consumer economy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
My name is 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 2023-05-25
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX, TX XXXX Date Updated : XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX Updated : XX/XX/XXXX, XXXX XXXX XXXX BalanceOwed : {$0.00}, XXXX XXXX Balance Owed : {$5800.00}, XXXX XXXX Balance Owed : {$4000.00}, XXXXXXXX XXXX XXXX XXXX XXXX BalanceOwed : {$1300.00} XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX BalanceOwed : {$2500.00}, XXXX XXXXXXXX Balance Owed XXXX {$18000.00}, XXXX XXXX Owed : {$660.00}, XXXX XXXX XXXX XXXX Balance Owed : {$2500.00}, XXXX Balance Owed : {$230.00}, XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-09
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
On XX/XX/2023, some fraudster XXXX ' withdrew {$800.00} from my checking account using my debit card. I have no idea how they got my debit card details and I have NEVER been a customer of this shady online gambling site. I don't know why XXXX is allowed to do transactions on stolen debit cards - shouldn't they have to request customer identification to ensure the customer is at least of age and are who they say they are? Moreover, USAA notified me- is this fraud? So I said - yes - what is this charge and who are these people? Nonetheless, they let the {$800.00} be deducted from my account causing a check I wrote to my 401K replacing a hardship loan that is time-sensitive to be bounced. I called USAA MULTIPLE TIMES begging them- please do not bounce this check- this is just because of this fraud - they said they wouldn't on several recorded calls and THEY JUST BOUNCED IT ANYWAY. I am so so so sick of the way they are now treating veterans and their families. I have been up all night super upset that they caused all this drama. Also, when they know this {$800.00} is fraud, why do they have to wait for it to post and then do an investigation before replacing the $ - had this fraud not happened, the check would not have bounced. Why can't they do a provisional credit right away or at least prevent any 'bounced checks ' while they resolve? They claim they have a zero-liability policy for fraud - well they caused me a serious problem. I don't know if I can get the funds now to honor the payback of the loan which will hit my 401K AND cause me a penalty - all because of this fraud that is not my fault. I am disgusted that this is how they do business. They let a computer just bounce checks when they know that money was fraudulently taken from my account- I had to spend all day on this fraud situation. Then, when I got notice the check was presented, I sent cash via XXXX from another account to cover the difference - yet USAA still bounced the check - even though I spent like 2 hours on the phone with various people who told me ON RECORDED LINES that USAA would honor the check. I also got no sleep and am now just sitting here crying because they are wrecking me financially by causing me to have a 401K tax penalty because I could not return the loan in time because USAA did this to me. I want an apology and I want this fixed. They say they have a 'zero liability ' policy for fraud - clearly, that is not the case. They have harmed me for fraud done to me because of their carelessness and lack of timely response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
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 is missing that should be on the report

Complaint:
XXXX - XXXX XXXX  XX/XX/2021 XXXX XXXX XXXX XXXX XXXXXX/XX/2021 The collection company of the creditor has not responded, the company has to remove the debt. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: EQUIFAX, INC.
State: KY
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:
Notice of Intention : This communication is not intended to threaten, harass, or hinder any lawful operations ; it is for the purpose of obtaining lawful remedy as is provided by law for any Citizen of the united states of America ( without the United States ) ; XXXX XXXX, who is in good standing. 

In accordance with Fair Credit Collection Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681 ( a ) ( 4 ). 

The account names and numbers will be listed under their respective credit reporting agency : XXXX : XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 ( a ) ( 4 ) states that the consumer reporting agencies must be fair, impartial, and respect the consumers right to privacy.

2. 15 U.S.C. 1681b ( a ) ( 2 ) states that the consumer reporting agencies can not furnish an account without my written instructions.

3. 15 U.S.C states that no consumer reporting agency may make any consumer report containing any of the following item of information : Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

4. 15 U.S.C. 1681s-2 ( A ) ( 1 ) states that a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that information is inaccurate.

Company response to consumer: Closed with explanation