BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-02
Company: Experian Information Solutions 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 belongs to someone else

Complaint:
I AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS. 



ACCOUNTS : XXXX XXXX XXXX XXXX {$530.00} XX/XX/2017

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 2022-07-20
Company: CREDIT ACCEPTANCE CORPORATION
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Credit Acceptance has falsely obtained compensation from me in relation to the credit transaction that took place. They failed to provide me with the appropriate disclosures under the Truth In Lending Act and they have also failed to rebut the Affidavit that was sent to them. An unrebutted Affidavit stands truth in commerce. They have received the documentation and have yet to correctly handle their wrongdoing.

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 2017-06-19
Company: Southwest Credit Systems, L.P.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Make sure you read all of this or it will be detrimental to Southwest Credit Systems.
Notified debt collector about verification of debt. What was sent back does not verify that I XXXX XXXX owes the debt. It does verify someone by that name does owe it. The verification also does not allow for the satisfaction of the Fair Debt Collection Practices Act. The debt collector also reported this to my credit report. Either the debt collector provides the correct validation ( bills do not show I owe the debt ) or I will file a law suit pursuant to the Fair Debt Collections act. Also please provide your companies attorney information so I may file the suit. Total legal amount not including damages is currently at {$3000.00} plus attorneys fees and I will win because the law states that so long as I am requesting verification and the collection agency has yet to follow the law I will automatically win. Also Southwest Credit Systems does not appear to be licensed to collect in the state of Tennessee. If this continues I will ask the courts for permission to sue outside the limits and I will sue for millions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Ive contacted TransUnion about the XXXX XXXX Account number : XXXX that was added to my report with out the it being verified I submitted my first complaint in here on XX/XX/2022 it is complaint number XXXX another complaint on XX/XX/2022 where I am detailing the horrible experience Ive been having with this Bureau after the information was verified, according to the Bureau, I reached out to the debt collector and they said that they documented my dispute with The Bureaus and they were NOT able to verify the information and even requested a deletion from the Bureau. TransUnion has since deleted this account however they HAVE NOT informed me that they account was deleted and why even though I have documentation the Bureaus have a responsibility to inform me of the dispute process which they have FAILED to do. Yes the account was since removed but I need documentation on why its being removed, and not a magical removal where they act like the account was never on my report. 
I want documentation as to why and when account # XXXX was removed from my 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 explanation
Consumer complaint received 2022-09-08
Company: CITIZENS FINANCIAL GROUP, INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I purchased an XXXX XXXX XXXX XXXX in XXXX and returned it XX/XX/XXXX for the new XXXX XXXX XXXX XXXX. The XXXX program said you pay 12 payments and then return the XXXX, they pay off the remaining loan balance and start a few loan for the XXXX XXXX XXXX XXXX. 

I did just that abs returned my XXXX to XXXX, I have the trade in email I attempted to provide to both XXXX XXXX and Customer Service who refused. 

Now theyre claiming theres a balance owed on the XXXX I returned, I know that because I have 4 other loans that are in good standing and Ive sent in the old iPhones to have the loans closed. 

Thats clearly an XXXX and Citizens One issue and not mines, no one is willing to help so I need to file a CFPB complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: Freedom Mortgage Company
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I'm having an issue with a new mortgage company that took over my account beginning XX/XX/XXXX. I do have an escrow account. My property taxes were due on XX/XX/XXXX and they have not been paid yet. Also, my Summer property taxes have gone up {$930.00} this year. They haven't adjusted my mortgage payment to make up for the rise in my property taxes. I received a past due notice on my property taxes last week and called the company and they said they would look into it. I also sent messages to them on their webpage but when I called the city office yesterday they told me their still not paid. I don't know what to do to fix this problem. I already have a {$50.00} late penalty on mytaxe and that increases at the end of this month. I'm currently retired and lining on Social Scurity. The name of the Mortgage company is Freedom Morgage.

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 2017-06-19
Company: Experian Information Solutions Inc.
State: MO
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:
I 've been trying to resolve multiple negative student loan accounts on my credit report. The Credit Bureau ( XXXX, Experian, XXXX ) are neglecting to verify/validate the accounts properly to determine which ones are duplicates or original. Due to poor and lack of investigation and communication I 'm requesting that all of the closed student accounts be removed. I have one student loan account and the negative accounts that are showing as paid off are hurting my scores. Also, there is a collection agency called XXXX XXXX account that 's showing on all three bureaus that has n't been removed after failure to validate the 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 2019-12-02
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts. Please note : The personal information listed below requires attention

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 2022-03-13
Company: Experian Information Solutions Inc.
State: GA
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:
Ive contacted Experian about the XXXX XXXX Account number : XXXX that was added to my report without it being verified I sent several letters in XXXX and submitted my first complaint in here on XX/XX/XXXX it is complaint number XXXX another complaint on XX/XX/XXXX where I am detailing the horrible experience Ive been having with this Bureau after the information was verified, according to the Bureau, I reached out to the debt collector and they said that they documented my dispute with The Bureaus and they were NOT able to verify the information and even requested a deletion from the Bureau. Experian has since deleted this account however they HAVE NOT informed me that they account was deleted and why even though I have documentation the Bureaus have a responsibility to inform me of the dispute process which they have FAILED to do. Yes the account was since removed but I need documentation on why its being removed, and not a magical removal where they act like the account was never on my report. This is the third time Experian has denied this account ever being on my report. I have a letter from Experian which I will be attaching concerning this account and my most recent report where the account is NOT there but no explanation given of it being deleted!

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 2021-02-18
Company: OneMain Finance Corporation
State: OH
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
During this pandemic i am having problems just like all Americans and main financial rep at the branch told me that i would not report negative During this pandemic ... i am having problems just like all Americans and main financial rep told me that everyone is having problems and that main financial is not reporting negative on the credit report ... i said over and over are you sure, because i will borrow the money so i would not have a negative impact on my credit, she stated over and over we will not report you if you keep your arrangements. i made arrangements with the rep and gave her my new checking information and come to find out she was still using my old checking information ... i called the manager XXXX to fix her mistake, just like she tricked me and stated i would not be reported to the credit bureau. XXXX said i am so glad you called. we still have your old checking information and not the new checking info, i been with them for 2years and i have expressed my hardship over and over to them. This is not fair and right because all my other creditors are working with me and i am not understanding why main financial would put a mark on my credit knowing i have been in conversation with them every step of the way. I believe the rep told me that lie because she gets credit for making a payment arrangement with me and i hope she does not get credit for being very deceitful and dishonest.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
Company: WHEELS FINANCIAL GROUP, LLC.
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 status incorrect

Complaint:
This account is paid in full as shown on my credit report yet they are also reporting it as a charge off and it is inaccurate and making my score go down. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am reopening complaint number : XXXX because the response from Bank of America is far from a relief, it is retribution. 

1- I had in my checking account {$290.00} before the incident and now it is closed with a negative balance of {$5200.00} ( - {$5200.00} ) 2- My savings account is wiped out with a negative balance of {$880000.00} ( - {$880000.00} ) and I have no access to any these accounts as well as the credit card and my daughter 's account, they are all closed for what reason? 

Again, I received a check from XXXX XXXX XXXX in the amount of {$5500.00} as a payment for my truck which was for sale and deposited it in my account at bank of America. I started to refund money back to the seller when he changed his mind, only when he informed me that the check was cleared at his bank and the funds were available at my bank, which verified to be true.

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 2022-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on 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 2022-03-13
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: Personal information incorrect

Complaint:
Ive put in several disputes to Transunion directly, to correct the misspelling of my name, incorrect employer info and to have XXXX accounts that have either been discharged/cancelled by the creditor ( I have cancellation of debt receipts to prove it and have sent them in to transunion ) or there are accounts over 7 years old and should have been removed already, even according to transunion a ETA for when the debt will be removed. This is causing a 50 POINT difference in my transunion score from my XXXX and XXXX score.and Every time a dispute is pushed through, I go to check the status and it tells me I have no active disputes. I have never received a notice by writing, phone call, or email, with dispute results. Ive just never heard back from them, ever. Transunion is supposed to answer within 30 days and has never answered me in over a year.

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 2022-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.

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 2022-09-08
Company: CITIBANK, N.A.
State: TX
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:
I made a purchase last XXXX at Macys in person. The clerk was pretty persistent in having me use my Macys account. I told clerk I had two accounts. A macys American Express and a Macys Citibank. I would have to use the Macys American Express as I did not have access to the other card and had no payment set up on it. Clerk Agreed. Told me I had the American Express. I signed the receipt. Several months later I received a bill that had been forwarded from my Florida address ( I am in Texas ) for not only the bill but a {$40.00} late fee from the standard Macys credit card and not the American Express as requested. I called explained the situation and cancelled my card. The next month I again get a bill, late. For {$40.00} more dollars in late fees. I paid again and cancelled the card. In XXXX I again received another bill for {$40.00} which I did not pay and the customer service re-processed my credit card cancellation and promised to remove the {$40.00} from my bill. I just received another bill from Macys for {$40.00}.

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 2017-06-23
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a debt collection notice from American Medical Collection Agency XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Their bill clearly states that I was never sent a bill by the original company XXXX XXXX XXXX and that the charges were not included in any bills I received from my Doctor Or Hospital. <P/>In addition states falsely that I have not responded to them. That is not true. I did in fact call them as requested. <P/>The amount is {$85.00} I do n't believe I owe them this or anything else. This is also approximately two times that the amount they sent me originally and I called to protest that I received no bill from the original company. <P/>It all went through XXXX XXXX XXXX XXXX XXXX and I along with a rep from XXXX XXXX XXXX talked them on the phone and told them they were using the " wrong billing code ''. I have a mediation request # XXXX with The Texas Department of Insurance. So far they have not really responded with useful information. <P/>They threatened [ If we do not receive your payment, our client has authorized us to continue our collection efforts that can include the reporting of your unpaid account to XXXX or more national credit bureaus. We urge you to take care of this matter. You may call us at the telephone number above if you have any questions. Otherwise please mail your payment with the bottom portion of this letter. ] I believer this is a scam and totally illegitimate. <P/>States " Credit at risk '' all over it. <P/>There is no way this is legitimate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: I.C. System, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Reporting closed loans as open and owing money

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 2022-09-08
Company: Experian Information Solutions Inc.
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: 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. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 XXXX 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 XXXX. 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 XXXX more than 21 times. XXXX 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 2021-05-11
Company: CL Holdings LLC
State: UT
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I got a complaint for old debt in 2018. I never got any collection letters at my current address. however was presented with summons at my house. I tried to called Jefferson capital and XXXX XXXX to pay this debt and get a settlement. I called and the number provided in the summons kept telling me the department is not there. Waited on hold multiple times to get disconnected. Representative are not knowledgeable or aware of this. No resolution. I even sent an email to XXXX XXXX with a response of asking for my number which I provided. 
I also called on XX/XX/XXXX to be on hold asking for my information and then getting disconnected. This is not an excuse or a way to collect debt being inhuman.

Company response to consumer: Closed with explanation