BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-04
Company: Midwest Recovery Systems
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have a delinquent account that has shown up in my credit report from XXXX of XXXX and XXXX of XXXX that's from different recovery companies but the same original company that I have know idea when I used there services.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27
Company: Experian Information Solutions 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:
A company called XXXX XXXX. XXXX XXXX XXXX XXXX, CA XXXX XXXX pulled my credit report without my authority and had no business needs or practices with me. This was done on XXXX XXXX, 2016. I challenge the credit company to verify this transaction.

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 2017-11-27
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Im having a severe issue with Citizens Bank. I made a deposit before XXXX and they didnt post it correctly which has resulted in them chargeing me {$170.00} in fees which my account is {$170.00} negative. So for being {$7.00} overdrawn they charged me {$170.00} in fees which is outrageous. They do all their posting at XXXX/XXXX so i have no idea my account has gone negative until the next day and have no chance to make it positive before being hit with fees. They pick and choose which transaction order they want to post to get the most for fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX TX XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX, XXXX. 
XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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  SOC SEC XXXX XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, TX 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 2021-09-27
Company: General Motors Financial Company, Inc.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
GM FINANCIAL has repeatedly contacted the consumer, regarding Account Number : XXXX, I do not owe this debt, All Debt and Obligations that are assumed to be the Consumers or Natural Person are in fact debts or obligations of the United States Government According to 31 U.S. Code 3123. Payment of obligations and interest on the public debt XXXX : XXXX is the original creditor on account no. XXXX pursuant to 15 U.S. Code 1692a Definitions, such conduct from your company has caused me to suffer severe humiliation and embarrassment, emotional distress, and physical discomfort.

the Consumer, natural person and original creditor am invoking my specified remedy as the creditor pursuant to 15 U.S. Code 1692c ( c ) ( 2 ). the consumer demand that GM FINANCIAL cease all debt collection activities Pursuant to 15 U.S. Code 1692c - Communication in connection with debt collection ( c ) Ceasing communication : If a consumer notifies a debt collector in wri`ting that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-02
Company: Experian Information Solutions Inc.
State: SD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
In 2012 XXXX XXXX deceptively : - engaged in double cycle billing - improperly assessed my account a late fee, - in violation of the FCRA negatively reported to all XXXX credit reporting agencies the late fee I am attempting to re-finance my home, and the negative reporting is directly affecting my ability to refinance my home on better terms including a better interest rate, lower monthly payments, restricting my ability to refinance other debt. This is costing me significant amounts of money. Due to the deceptive nature of the credit reporting need XXXX XXXX to clear on all XXXX credit reports any negative history so I can proceed with getting ideal financing. This is directly affecting my reputation and harming me financially. 
XXXX XXXX was already faced with a {$210.00} XXXX dollar enforcement action due to improper marketing and billing, and I continue to be harmed by the deceptive practices XXXX XXXX was engaged in during that time. I need negative reporting cleared so I can proceed with a better financing of my debt.

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 2021-09-27
Company: AmerAssist A/R Solutions, Inc.
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
AMERASSIST AR SOLUTIONS has failed to provide me with debt validation after numerous requests. Furthermore, they are in violation of the Fair Debt Collection Practices Act ( " FDCPA '' ) -- which states debt collectors can not use offensive language while they are communicating and trying to collect a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27
Company: EQUIFAX, 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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-10
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I have XXXX XXXX accts that have been sold to a XXXX party collection agency. Negatvies being reported by XXXX AND the new company ( XXXX XXXX ). so, instead of XXXX delinquent entry, all credit reports reflect XXXX delinquent entries. I feel this is a double jeopardy scenario. I do not feel that any of the XXXX major credit reporting bureaus have done anything to help me. they have attempted to pacify me with phone calls and offers of reduced rate credit monitoring services. they have done nothing to actually resolve my dispute up to and including investigation into my issue.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-25
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
someone used my name, my daughter 's name and our socials to file income tax. 
Also someone tried to use my social to obtain credit cards I filed police report, due to some of my personal documents were missing from my apartment at prior address in XXXX Also filed Identity theft affidavit

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-14
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by XXXX on or about XXXX/XXXX/2015 on EXPERIAN CREDIT REPORT. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately. I also requested that they remove my personal information from their records.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-24
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
Basically I 've been keeping an eye on my credit report since I fired XXXX XXXX, however I 've noticed that I have a total of XXXX inquiries on my Experian credit report and I never applied for credit all these times. I was told by a XXXX XXXX Representative that in order to increase my score I had to get more credit and he 'll help me out with that. To sum it up I started receiving credit cards and I assumed it was because my credit was getting better. Long story short I 've seen the inquiries but I assume that that was because they sent me a card. But after reviewing my credit report today on Credit Check Total I had inquiries for things I did n't run my credit for I only applied for XXXX things but I see that I have XXXX inquiries. Here are the inquiries that are n't requested by me : 1. XXXX XX/XX/2017 2.XXXX XXXX 3.XXXX 4.XXXX 5.XXXX XXXX 6.XXXX 7.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 2015-09-16
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
My late husband had a credit card with XXXX XXXX XXXX and when he passed away I called them and what they did was turn the account over to me. I have never signed any papers saying I was on this account. When I would try to get infomation for my husband he always had to come to the phone and give me the ok to ask them questions that my husband had about his account. I asked XXXX XXXX XXXX to show me where I had signed any papers and they told me it was too long ago and they didnt have any records. They are runing my credit and I feel this should be taken off my credit reports. Thanks XXXX XXXX XXXXXXXXXXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27
Company: EQUIFAX, INC.
State: TN
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:
There were several unauthorized inquires on my XXXX credit report which I did not authorize or give the contest to. Therefore, I would like these fraudulent inquires to be removed immediately. It is causing harm to my overall credit profile. The following inquiries need to be removed : 1. The inquiry was not authorized XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-04
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Experian is reporting fradulent debt that does not belong to me from XXXX XXXX XXXX for the amount of {$160.00}. I called to verify and they told me it was for a person living in Virginia a place I have never lived for a debt from 2004. I also called XXXX and they could n't understand how they came to the conclusions of amounts, debtor and " Date Opened '' they have listed because the record they pulled does not show the same information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-08
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Experian online dispute system stated all documents were received. After 2 weeks XXXX & XXXX had updated the item as judgment satisfied. I checked my credit report with Experian it was still on the report and did n't show in disputed status. I called them and was told they never received anything form me or no uploads to there site were found. The customer service person entered the dispute and my complaint about the system on XXXX/XXXX/16. She stated they would call me on XXXX/XXXX/16 between XXXX-XXXX. I never received the phone call. I called Experian back, I talked to a different agent and was told it could take 30 more days to do the dispute and they did not have time for call backs. He would re-file my complaint about there system but that they were not responsible for the website that was another departments issue. They stated if the system does n't show an upload they would not investigate the issue and were not responsible for information entered on the site. This is complete mishandling of PII ( Full name, SSN & DOB ), especially from a credit bureau. According to their representatives they are not responsible for any information that you give them over the phone or via their web-site. How is this possible? I request information into what happened with my PII and my claim file via there websites on-line dispute center and document upload site. I also would like the dispute done with XX/XX/XXXX-XX/XX/2016, due to the miss handling of my online dispute and PII.

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 2021-09-27
Company: Credit Associates of Maui, LTD
State: HI
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Dear Sir/ Madam I and my partner rented a small shop from a management company called, XXXX XXXX XXXX a realty company in XXXX XXXX we had hardship in running the business and made up to a decision to close the company after 1 year. we settled down with Mr.XXXX  XXXX in XX/XX/2019, he verbally told us not to worry about the rent, and now we see they have given it to a collection agency after 2 years, called Credit Associated of Hawaii, located XXXX XXXX XXXX XXXX HI XXXX. We have been getting calls from them and they have reported to the credit bureau, in this pandemic we are trying to keep up life normal, we are ready to finalize with them as well and offered them {$4000.00}, they are asking $ XXXXWe are requesting your agency to help on this matter. 

Sincerely XXXX XXXX / XXXX XXXX XXXX XXXX  XXXX

Company response to consumer: Untimely response
Consumer complaint received 2022-04-16
Company: Harvard Collections, LLC
State: CT
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have notified the debt collectors that these accounts never belonged to me. My private information was used without my knowledge to open multiple accounts in my name. Please correct immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-11
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
About 2 years ago the bureaus dropped my credit score from about XXXX to XXXX claiming i opened too many lines of credit too quickly. However, Its been 2 years of on-time never late payments on all my accounts and my score is the same and refuse to recalculate it to account for this. Also there are XXXX judgments that are over 7 years old and need to be removed.

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 2022-12-14
Company: Source Receivables Management LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX have sent a letter stating I owe them {$160.00} on XXXX XXXX for account # XXXX and Ive reached XXXX to them numerous of times and even went to the office to talk with a representative because I paid this account in full and i advised them of closing my account with XXXX. I started getting these letters harassing me stating I owe them. I did Pay the amount and have disputed it and they stated they would remove it now XXXX being sent to collection for something I paid for. Please help me as I do not owe this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
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:
Upon further investigation, I have retained new copies of my credit reports and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a notice of dispute on my account within 30 days of my dispute, which you signed for on the signature date. 

I have retained a copy of your signature and date of receipt, as well as time-stamped copies of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) by not placing the disclosure within the required 30-day period. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. Additionally, you have broken federal law by not placing the notice of dispute onto my credit reports within the time required by law. 

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Credit Reporting Act. 

I further remind you that you may be liable for your willful non-compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( 3 ) Duty to provide notice of a dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 

( B ) Time of Notice ( I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ). 

As you have violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe and I have evidence of such, via certified mail receipts, you must now remove the item. 

Any other action ( or inaction ) on your behalf will result in a small claims action against your company. 

I will be seeking {$5000.00} in damages for the following : 1. Defamation 2. Negligent Enablement of Identity Fraud 3. Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act You will be required to appear in a court venue local to me, in order to formally defend yourself.

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