BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-16
Company: Resurgent Capital Services L.P.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Hello, To Whom It May Concern Ive been disputing the inaccurate account information, since XXXX, XXXX. The company has faild multiple times in responding, or verifying the debt. On XX/XX/XXXX XXXX added a derogatory mark on my credit report per XXXX XXXX. Upon further research, on XX/XX/XXXX I asked the company XXXX in writing to verify this account. In which the account stated I owed a balance of XXXX dollars. After the 30 days I than demanded for this account to be removed from my credit report, due to the fact debtor creditor states their verification process was completed stating Ive made payments to this account. In which I have no acknowledgment of. XXXX XXXX also sold this debt to LVNV funding the company has than sold the debt again to Resurgent without my acknowledgment this company is also reporting inaccurate account information, such as payment status, balance due, creditor name, I feel as I am not responsible for this account. There was no written form of communication, contract or signature for the accused Derogatory account at all. According to the FCRA XXXX/LVNV/ Resurgent has violated my rights as a consumer and Im requesting legal action to remove this public record off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
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: Their investigation did not fix an error on your report

Complaint:
Good day. I am soliciting your help on resolving this very important matter. On XX/XX/2022. I sent out a letter to Trans Union disputing the validity of the bankruptcy they are reporting on my credit report. They replied with a letter stating that they verified this item through XXXX XXXX. I went directly to XXXX XXXX myself to dispute the item in question and as a result XXXX XXXX could not verify this and as a result they removed it from their database. See attached documentation stating this removal. Also, I have attached supporting documentation from the United States bankruptcy court stating that they do not provide information to any credit reporting agencies. 
I went back to Trans Union on XX/XX/2022, with my 2nd dispute letter and showed them the deleted bankruptcy from XXXX XXXX as well as the letter from the bankruptcy court stating that they do not provide information to any credit reporting agencies. I informed them that if they could not reveal how they truly verified this item then it needs to be deleted according to the FCRA. They have once again refused to delete this item which is imploding on my ability to purchase a home as a single parent with XXXX XXXX and causing me to pay XXXX more a year in home rental and missed tax breaks incentives. Removal of this will help assist me in a situation that is much bigger and important then me. Thank you in advance. 
This item with all due respect needs to be deleted from my credit report within the next 30 days would make life better for me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-16
Company: STATE FARM BANK, FSB
State: AZ
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
On XXXX XXXX, 2015 at around XXXX I deposited cash and checks into the ATM outside of the XXXX on XXXX XXXX XXXX XXXX, XXXX, AZ XXXX. I deposited the checks and cash, but the machine broke down and did n't give me back my card or receipt. I called the number on the ATM, but was told that because I did n't bank with XXXX that I would have to notify my bank and have them file the claim. After hanging up with XXXX I then called my bank ( Statefarm bank ) and explained the situation. A young lady handled the dispute and told me that a provisional credit would be put on my account for the amount of money I deposited, and when the problem got resolved the provisional credit would be removed and it would simply show up as a deposit. Before I hung up, I asked for a confirmation number, but was told they did n't have one and that I did n't have to do anything but wait for the problem to get resolved. Since XXXX/XXXX/15 I have been calling StateFarm Bank so that I may have this problem resolved. Every time I called to ask about the issue, I was told that it was being investigated and to not worry that everything was going to be fine. On XXXX XXXX, 2015, StateFarm Bank withdrew the " Provisional credit '' from my account, but did NOT credit me back the money for my deposit. I called StateFarm to ask about what was going on and was told that XXXX had no history of my transaction and that is why my account was not credited back the money.I was also told by StateFarm Bank that they could not help me any further because time had been exhausted. The specialist instructed me to file a police report and go to XXXX personally to dispute the matter. I asked the StateFarm specialist if they had gotten the video footage from the cameras infront of the ATM and bank to prove that I had been there, but was told that XXXX did not want to release such footage. I have a video recording of when the incident happened as well as a couple of pictures proving I was there on XXXX/XXXX/15. I have also contacted XXXX of the XXXX persons that gave the check and found that it had not been cashed, also proving that the checks and cash stayed in the machine. I filed the police report as instructed and also went in person to XXXX and was told that because I do not bank with the that I could not dispute the issue. If you could please get back to me at XXXX with some answers as to what I need to do to get my money back I would greatly appreciate it. I am a XXXX student at XXXX University and can not afford to lose my money. 

Thank you for your time, -XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-09
Company: Paypal Holdings, Inc
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Date of Purchase : XX/XX/2020 I was trying to purchase a XXXX  online from a site I thought was a legit XXXX site, I learned afterwards it was not legit- the site was XXXX. When I went to purchase, I did not want to use PayPal tried to use another payment method but the site did not allow me to back out and it took my payment via PayPal. I logged into my PayPal account and knew immediately it was a scam. It went to a seller named XXXX XXXX attached to a XXXX account. I contacted PayPal to cancel the transaction immediately and they could not cancel it because of some unspecified reason. I went to my bank and informed them of the fraud. I have screen shots of the fake XXXX  site ( which does not exist anymore since the seller keeps swapping out the sites ). On XX/XX/XXXX PayPal sent me a message stating the seller shipped the item on XXXX, had a fake UPS tracking number and a message that the package was 'released by driver ' ( I never authorized any package to be delivered without a signature ). PayPal insists that I get an 'intranet form ' from XXXX XXXX XXXX is saying they can not track such a thing- and to complicate it further the package was sent via XXXX XXXX which states I can not put a tracking claim on this package. PayPal is participating in the fraud, by not honoring their purchase protection for consumers. They are protecting the seller and profiting off the scam since they take a cut of all transactions. Claim is the package was shipped on XX/XX/XXXX and was delivered to my town on XX/XX/XXXX to an unknown destination. I have attached screen scans of the XXXX  ad ( which I now know is not legit ) and the info of the whois attached to the XXXX site which is not up and running, it's attached to a web designer site.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-27
Company: AMERICAN HONDA FINANCE CORP
State: MD
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
Hello, I leased a vehicle through Honda Financial ( dba Acura Financial ) in XX/XX/XXXX. I paid that loan off in XX/XX/XXXX and the installment account was reported as closed and " pays as agreed '' on my Credit Report. In XX/XX/XXXX, I was contacted by Acura Financial about " toll fees '' that I accrued in XX/XX/XXXX and XX/XX/XXXX unbeknownst to me. At this point in time, the lease account had already been closed and paid for ... well over a year. I told them I would pay the fees and made a single payment over the phone. I admit that I forgot to pay them after that as I did not have an active loan or credit account with them. I also did not receive any correspondence about the rest of the toll fees. On XX/XX/XXXX, I was alerted to a credit alert on my report. I noticed that my old lease account, which was closed and was once " pays as greed '' had changed to " pays XXXX days ''. As a result, my credit score dropped XXXX points. I think this is highly deceptive to anyone looking at my credit. This change implies that I did not pay my lease agreement on time which is untrue. I was NEVER late paying my lease or any of my cars. I had NO idea about these fees until over a year later. If I accrued these tickets in XX/XX/XXXX and XX/XX/XXXX..why was n't this added to my loan? Why was I able to pay my lease off with unpaid tickets? Why a year later? I admit that I forgot to pay the fees after being contacted in XX/XX/XXXX, but it seems they also forgot to add these " unpaid tickets '' to my loan while it was still active. I also do n't see how it 's legal to " update '' a closed account with false information. 

I purchased another Acura at a dealership and we had to payoff the account before I could obtain possession of the new car. I have proof that these tickets were added to my closed account over a year after the payoff was sent. 

I 've been very loyal to Acura and Honda up until this year, all I have purchased is Honda and Acura cars ... .but it seems they do not share the same loyalty.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09
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: Their investigation did not fix an error on your report

Complaint:
I have a letter from XXXX XXXX stating they have no bankruptcy on file from me XXXX TransUnion continues to say they verified this account with XXXX XXXX is TransUnion verify this account when I have provided a letter from the vendor XXXX XXXX This is my 4th time send this 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 2019-12-11
Company: Experian Information Solutions Inc.
State: AZ
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 a victim of identity theft. I have tried over and over to have these accounts removed from my credit report. I have submitted all of the required information and yet Experian refuses to cooperate. This has been a financial burden on me and has been detrimental to my living situation. After finding out that someone had been using my information I filed an FTC report, which Experian received, and closed my account. My kids and I are now living with a family friend until I can fix this situation and move into a new home.

They are the only credit bureau not cooperating with the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I Have disputed with this company and they refuse to remove incorrect information from my report. I have reported this to the FTC and CFPB and nothing was done.

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 2022-08-17
Company: ALLY FINANCIAL 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:
From XXXX XXXX to XXXXXXXX XXXX XXXX, I have acquired multiple hard inquiries on my credit report that I did not authorize. Under the fair credit act section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : If you have no written signature from myself, please remove these items.

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 2022-05-13
Company: American Collections Enterprise, Inc.
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX XXXX  XXXX XXXX XXXX failed to inform me of balances owed after two appointments before sending the debt to collections, resulting in a negative impact on my credit score. 

XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX ) XXXX XXXX sent two bills to collections in the amount of {$370.00} for services between XX/XX/XXXX and XX/XX/XXXX. At no point did I receive a paper bill, nor did they attempt to contact me by phone, email, or their patient portal before sending it to collections. The hospital maintains a patient portal where outstanding balances can be paid, through which I have paid other bills, and neither of these charges was listed. The provider also had ample opportunity to inform me that I had an outstanding balance when I scheduled later appointments with the same office, and they did not mention it then. 

I received notification of this debt when ACEI placed a notice on my credit report in XX/XX/XXXX, causing me to lose XXXX points on my credit score. 

I have settled this debt with XXXX XXXX XXXX as of XX/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 explanation
Consumer complaint received 2016-10-14
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. 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 non-monetary relief
Consumer complaint received 2022-05-13
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On XX/XX/XXXX I applied in person for a XXXX XXXX credit card ( through comenity bank ). I knew I had a freeze on XXXX and asked the girl if they pulled through them as I still hadnt lifted the freeze. She did not know and proceed with the application. She stated I would receive a letter in the mail. I assumed that meant a decline or it was affected by credit freeze, since I know that if it was Approved I would have been notified right there. I waited 5 days for the freeze to be officially lifted. I received no notification from the bureau that an inquiry had been made, so I reapplied online XX/XX/XXXX. It said I would receive a letter in the mail. When I got the letter XX/XX/XXXX in the mail it said that they could " not process any additional applications received within 30 days of a previous application ''. I called Comenity Bank the week of XX/XX/XXXX and the gentleman confirmed they could not review the request within 30 days and also stated the application made XXXX in person was incomplete. My bureau does not show an inquiry made XXXX since the freeze was active. I never received any adverse action for a declination. My credit was pulled XX/XX/XXXX. I do not believe there should be a hard inquiry made if they cant accept an application. I believe that an adverse action should have been provided, or no credit hit. My score is high. There are 0 delinquencies. There is no reason to decline. The first application was not only incomplete per Comenity, but there was no credit pull therefore its not a complete application. I feel this is a violation of credit laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-25
Company: FIRST ADVANTAGE CORPORATION
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
In the previous response to the complaint, the company, First Advantage Corporation said that it revised the report to correct the error. However, I received the report today, and it has the same incorrect information. Under driving history, under accidents it says there was a " conviction date '' of XXXX. However, the driving abstract from the state simply says the accident was posted on that date. There never was a " conviction. '' Attached is the driver record again.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11
Company: Experian Information Solutions 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:
I have been disputing information on my experion credit report for several years now. XXXX for the amount of XXXX. XXXX   XXXX in the amount of XXXX. And XXXX  in the amount of XXXX. I noticed that these accounts were opened and delinquent in XXXX when i started getting calls from creditors. I made a federal trade Commission complaint in XXXX and took it to my local XXXX police dept and had the report notarized by them and sent it to all three credit places. I had no issues with XXXX   or XXXX  I had to hire a credit repair to help me with experion because they refused to help me saying my documents are not good enough. I have been waiting for seven years to pass because i just couldn't do nothing about it no matter how hard i tried. I called again to day and said its been over seven years since the fraud cards were opened and i want them removed. He said its from the first time the cards we're reported late and i have to wait until XX/XX/XXXX. I have been though XXXX with them i even did another FTC complaint on the fraud today thst they say is unacceptable. I dont know what else to do.

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 2021-11-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I was given a debit card from the Dept of Unemployment for a 3rd party Bank of America with no chip on it and I used it at a ATM during COVID Pandemic on XX/XX/2020 and then I was waiting on back pay from Unemployment did not know I finally got it due to that someone had copied my ATM card thru a reader at the ATM i used in XXXX, Ma and then went ahead and duplicated my card and made XXXX {$1000.00} different ATM transactions out of my account. I never lost my card or gave my pin to anyone. I reported this to the bank and police and the bank has not refunded my money still to this day. I have spent over 150 hours on the phone with the bank and claims and they still refused to refund the money even thu it was stated that there were issues at the ATM i used with other fraud victims. This has been a big problem with this bank for millions in a big XXXX fraud lawsuit court order to pay victims back I did not join this state wide lawsuit. I have been trying to get the money back my self. I have called all my state reps for help with no help in site, I have contacted unemplyment as well with no help as well. I am out {$5000.00} and I am over XXXX years old and this is horrible still now over a year long trying to get my money back with no sucess, I need 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 explanation
Consumer complaint received 2022-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX 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

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