BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
My issue with the Transition is unauthorized inquiries added. 
Their costumer service would not help and take care of the negative inquiries reporting on my credit report. Please help me ... Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Equifax and XXXX say that the account is accurate and that the errors have been corrected but nothing have been corrected or updated the same errors that i have previously mentioned still in there ALSO THE ACCOUNT NUMBER FOR THIS ITEM IS DIFFERENT IF THIS IS THE SAME ACCOUNT WHY DOES IT HAVE DIFFERENT NUMBERS? 

THIS ACCOUNT IS INACCURATE AND NEEDS TO BE REMOVED

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: EQUIFAX, INC.
State: MI
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:
in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 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 XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11
Company: Experian Information Solutions Inc.
State: GA
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 account has incorrect information and is being used without my consent.

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 2020-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I sent a letter to Transunion well over 30 days ago to inform them of the inaccurate information they are reporting on my credit report. I have yet to be updated in any way, shape or form and I am beyond frustrated.

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 2020-11-11
Company: Diverse Funding Associates LLC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On XX/XX/XXXX I received a text @ XXXX XXXX  Asking if this is XXXX XXXX phone I responded back asking who is this So I called back it was a collection agency demanding that I pay {$600.00} for a credit card I have never owned dating back to XXXX the guy wouldnt give me a chance to speak he asked me what credit card I want to use to pay the {$600.00} after explaining I do not owe anything because I never owned the card Indigo credit card, He said he was going to put it into my credit report and hung up on me 10 minutes later I received a call from my brother saying that someone text his Phone asking if was XXXX XXXX phone So somehow someway they hacked my phone to see the last number I was communicating with I am also filing a complaint with the attorney general of New York

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 2016-07-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card
Issue: Other fee

Complaint:
orchard card was bought by capital one. on XXXX XXXX, i paid both my regular capital one acct. and the that was originally orchard. the regular capital one they automatically closed. the orchard one, they did not. i do not have a valid credit card for this account. i was just alerted by credit monitoring that they have reported me as deliquent. it seems they " decided '' not to close this account in order to charge me an annual fee on XX/XX/XXXX, have now charged me a late fee, interest on it, another late fee and more interest. i was not aware the original card had an annual fee. i was not sent a card to use, so why would i get charged an annual fee. i also have not received any bills from there or an email to let me know that i had a balance. Very unfair for them to close the XXXX acct. they could n't charge me a fee for and leave the open the other, then not bill me and keep charging me late fees and interest, given the fact that i do not possess a valid card and can not charge on it myself. 
i do not have the card no, acct no. according to credit report is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17
Company: CL Holdings LLC
State: IL
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:
To whom it may concern I'm reaching out because I need an issue resolved I have reached out by letter to all three credit bureaus for verification on all accounts on my reports. After receiving a response back saying all information was verified, after further research of my own I see that the incorrect information is still on my reports. I ask because my Credit reports has still been improperly handle that these account as I reported to the credit bureaus I'm unaware of the miss information and that it be deleted permanently. Thank you in advance. The following accounts of concern Jefferson capital Acct : XXXX XXXX XXXX acct : XXXX XXXX XXXX acct : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened a joint Capital One 360 checking account online with my partner for the sole purpose of having our federal income tax refunds deposited into it. We both had to answer security questions to verify our identity. Both of us answered correctly. Per our request, Capital one mailed out our cards to a trusted friends address due to us having a huge mail theft problem in our area. We had no problems with the account until the day our refunds were deposited. Spoke to a CSR that stated our account was closed after further internal review after the account was opened. Even spoke to a supervisor that stated the refunds would be rejected. They did accept the refund deposits. Now we have over {$8200.00} in that account which we are being denied access to.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-10
Company: CCS Financial Services, Inc.
State: PA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am pregnant with my XXXX child. Obviously medical bills pile up. This is compounded by the fact that if you get behind by 1 day they send you to collection. Then you have to deal with the stress of a collection agency while still maintaining your payments on other bills. 

This debt was sent to collection in error. I spoke with XXXX XXXX who apologized and stated it would be removed. However, on XXXX/XXXX/2015 i get a XXXX demand letter to pay this debt. In bold letters stating DUE BY XXXX/XXXX/2015. i repeatedly get calls but they never leave a message. XXXX 

Additionally, they try to trick you into going to their website XXXX XXXX how professional is that website? ) in order to get the link to get your free copy of your credit report. Talk about being an Unfair, Deceptive, Abusive Practice. Fortunately i am an informed consumer who knows the website is XXXX. I feel sorry for those who are elderly and are tricked into whatever scam they have waiting for them on that site.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-17
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
I have been making on-time payments in good credit standing with Value city for over a year. 
Last month they re-ran my credit score and based off that, they lowered by credit limit, XXXX my score went down because I just purchased my home in XXXX 2015. My issue is since they did that it has negatively affected my credit score because now I am using 77 % of my credit limit since the limit was decreased, where before I was at 67 %. Credit limit greatly affects your credit score. Not only did this do nothing for me but create negativity to my credit score, I am still making on-time payments and a great customer. They do not care how they affect people and the great customers they have.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17
Company: Experian Information Solutions Inc.
State: NC
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:
XXXX XXXX XXXX XX/XX/XXXX {$8500.00} SENT DISPUT LETTER XXXX XXXX  XXXX XX/XX/XXXX XXXX SENT DISPUTE LETTER

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 2016-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
My name is misspelled in my TransUnion credit report. I submitted a dispute form through their website today. The form directs those individuals who wish to correct or change the spelling of their name to contact the creditor who furnished the misspelled name. None of my current creditors have any records with the misspelled name. I have attached a statement to my TransUnion report reporting the misspelling. I have no letter J in my last 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 non-monetary relief
Consumer complaint received 2016-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have a past due payment on my credit report for XXXX and XXXX ( Transunion and XXXX ). I do not own this credit card.

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 2016-05-06
Company: Diversified Consultants, Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Telephone bill from XXXX sent to Diversified Consultants ( DCI ) for collection while I was disputing the amount owed. I was contacted by DCI and again, I notified them the amount owed was inaccurate. Eventually, we agreed on a settlement amount which was verified/confirmed via letter from DCI stating the terms of the agreement. Payment plan was arranged and agreed upon to settle the debt in 3 monthly payments. I was told if I agreed to automatic payments, no further action would be taken. therefore I agreed to ACH debits from my account. 1st payment was submitted at time of agreement, 2nd payment withdrawn from my account one month later ; however, 1 day prior to 2nd payment being withdrawn, DCI submitted this account as a collection on my credit report, which, in effect, caused financial harm by preventing me from closing on my home which was in escrow at time of occurrence.. I have spoken with XXXX different 'managers ' at DCI whom responded they will only update the entry to 'Account in Dispute ' which of course does n't change anything and is of no benefit in rectifying this situation..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17
Company: Experian Information Solutions Inc.
State: MO
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:
Im not accomplished anything as long as you keep my credit score so low. Im very hard working and not lazy but Im imprisoned by my credit score

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 2020-03-08
Company: Experian Information Solutions 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:
XXXX, experian and XXXX  has inaccurate information on my credit reports. they refuse to delete. this information is not mine and has been deleted from the other credit bureaus

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 2017-01-24
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
XXXX Reported I owed XXXX XXXX an apartment complex XXXX in XXXX XXXX. I had contacted the apartment complex to find out what this is about. I had lived in a single unit apartment XXXX from XXXX to XXXX. In XXXX before the lease was up I had adopted my two nieces and had to move to a XXXX bedroom XXXX. I was there until my lease was up in XXXX. XXXX XXXX is reporting i was evicted from XXXX when they just transferred me to another unit in the same complex. They never removed the collection account from 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 2020-11-11
Company: Allied Collection Services, Inc. (Nevada)
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received an email from Allied Collection Services Inc. ( ACSI ) om XX/XX/2020 about a unverified debt with XXXX in the amount of {$2800.00} The email stated I was previously contacted by mail but I have not received anything from this agency until they somehow got my email address. 
I responded by sending a Debt Verification letter by certified mail on XX/XX/2020. I asked for why yo thing I owe the debt and whom I owe it?, The amount and age of the debt, and detail about the authority to collect the debt. This is a summary but there are 14 bulleted items they were requested to respond to. I received a signed return receipt that verifies my letter was delivered. 
ACSI responded by sending a letter dated XX/XX/2020 that only provided the original creditor name and amount. The letter status '' Pursuant to your request, we have obtained verification of the debt ; provided the requested information to you as require by law and have as result resumed collection activity in accordance with Title 15 U.S.C. 1692 ( g ).

The letter from ACSI does not verify that this is my debt and belongs to me. There has been no additional information and documentation provided. The letter ACSI sent as verification is the exact same information provided in the email.

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 2022-03-16
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I'm having a very difficult time speaking with a LIVE AGENT about concerns I have in regards to my consumer reports with XXXX, Equifax, and XXXX. I haven't been able to get through to a rep for 3 weeks now. Every time I call I'm stopped by their automated phone service which doesn't have the ability to fix anything concerning a consumers needs. How is it that these 3 Consumer Reporting Agencies can profit off of millions of consumers personal identifying information which is aggravated identity theft, cause financial injury, ruin reputations, interfere with consumers ability to operate within commerce and consumers can't even speak with a LIVE AGENT??? Not to mention the countless errors, inaccuracies, violations of consumer rights, that are being committed daily. I thought the consumer reporting agencies were required to adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information. 
I have lost all faith in commerce it bothers me to know that millions of consumers across the country are suffering at the hands of these CRAs and the government allows them to operate above the law. 
" Americas credit reporting oligopoly has little incentive to treat consumers fairly when their credit reports have errors, said CFPB XXXX XXXX XXXX. Todays report is further evidence of the serious harms stemming from their faulty financial surveillance business model.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11
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:
I filed bankruptcy in XX/XX/2020, XXXX was on my bankruptcy and my contract was null and void, this debt was discharged in XX/XX/2020. Experian shows a collection in XX/XX/2020 from XXXX, I filed a dispute with Experian and the dispute indicated the debt was valid. I tried to file another dispute and the website will not let me file another. I contacted Experian via email and all I'm told is to file a dispute on line. This is turning into a vicious circle, the debt was illegal, XXXX may not attempt to collect when and after a bankruptcy they are on, Experian knows this and refuses to correct the problem. This is my consumer information about me and should reflect true and accurate information.

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 2022-09-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
XXXX XXXX is original creditor. Last purchase was on XX/XX/XXXX. Last payment was on XX/XX/XXXX. Portfolio Recovery and XXXX acquired on XX/XX/XXXX. Portfolio Recovery and XXXX hired law firm XXXX XXXX XXXX ) to sue me. XXXX XXXX XXXX signed Default Judgement on XX/XX/XXXX. Based on this information Portfolio Recovery and XXXX, XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX; all violated my rights and the following laws : violations of Section 392.307 of the XXXX XXXX XXXX : Failure to Notify the Consumer of the limitations period has expired & Title 12, Section 1006.26 of the Code of Federal Regulations : New rules from the XXXX Consumer Financial Protection Bureau prevent debt XXXX from suing or threatening to sue over time-barred debts. I formally request that Portfolio Recovery Associates , LLC XXXX XXXX XXXX XXXX XXXX, State of Texas XXXX XXXX XXXX XXXX XXXX stop any and all attempts to collect on this debt, rescind/vacate/set aside ( cancel ) Default Judgement immediately. 

Portfolio Recovery Associates XXXX XXXX XXXX acted in bad faith and failed to notify me of the statute of limitations while the law suit was at court.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-08
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
ARS ACCOUNT RESOLUTIONS HAS AN ACCOUNT ON MY CREDIT REPORT THATS NOT MINE. THEY REFUSE TO DELETE. I DO NOT HAVE A WRITING CONTRACT BETWEEN ME AND ARS ACCOUNT RESOLUTION. FOR OWING ANY SUCH DEBT OR COLLECTIONS.

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 2022-10-02
Company: ACIMA CREDIT, LLC
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 account is reporting on my credit report as a collection, and I did not open this account. This is clearly a result of identity thief and this need to be removed off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Credit card
Issue: Other fee

Complaint:
They charged me interest when my balance was negative, telling me that if I pay late, they can charge me interest for two months after my balance is XXXX. Charging interest the first month makes sense -- I pay late, so they charge interest. But I paid not long after the due date, and then the balance was not just XXXX, but negative. They told me they can charge me interest anyway, for two months. I am not worried about the money per se, just that it is a fraudulent practice that is hurting other people, as well.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief