BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-19
Company: Experian Information Solutions Inc.
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: Personal information incorrect

Complaint:
I have reached out to these companies to remove the fraudulent items and no help I am a victim of identity theft accounts were created please remove these fraudulent inquiries XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-19
Company: CCS Financial Services, Inc.
State: RI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I called me written a letter to Credit Collection Services and we agreed if I paid the debt it would be deleted from my credit report. Its been a few months no it still reporting to all 3 bureaus.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It's unreasonable, given that I've consistently made payments on this account promptly without any delays. Kindly adjust my account to reflect the correct payment history.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have disputed inaccurate information being reported on my credit report by paytomorow to transunion, XXXX, XXXX all companies came back and stated information has been verified and accurate this is inpossible due to the fact that 1. The amounts owed or past due are incorrect 2. The payment history is incorrect after XXXX days an account must be charged off or sent into collections currently they are showing that in 2022 for the months of XXXX I'm 30 days late XXXX is 90 days late and Dec 2022-Aug 2023 is showing 9 months of 120 days late how can I be XXXX late for 9 months in a row transunion reported this account as an auto lease which is incorrect and inaccurate and amounts due is also incorrect this is in violation of the FCRA and 15 u.s. code 1681 ( a ) ( 2 ) ( ai ) along with many other violations 15 u.s.c 1681 ( e ). 15 u.s c 1681 ( b ), 15 u.s. c 1681 ( I ) ( 5 )

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 2022-06-06
Company: U.S. Collections West, Inc.
State: AR
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:
I was taken to court in XXXX of XXXX by XXXX XXXX XXXX and the case was dismissed without prejudice but they turned it over to collections anyway. I didn't even see it until I went to buy a house and couldn't because I had an open collection on my report. I got in touch with the collection agency and ended up paying it so I could buy my home. 
Now the collection agency is saying I agreed that I owed it by paying it and that is not true. I had to pay it or not get my house. The collection agency and I came up with a settlement of {$290.00} to clear the debt. 
This was back in XXXX that I started trying to work with them on this wrongly reporting this to my credit report. Three years later and this collections agency has cursed at me, they have screamed at me, including someone who claimed to be the owner. I am appalled at how they get away with this. I sent the proof of the court document that states dismissed without prejudice and I get a response from them that says just because it was dismissed without prejudice doesn't mean I didn't owe it. Well the AZ STATE law states that the status of limitation is 6month from the date of the court hearing to refile and they did not do the law also says that it's like it never happened but here I am 6 years after court and 3 years from when I became aware it was on my credit report and they repeatedly refuse to remove it from my credit report stating I owed it. They did not refile with in the frame so the case is like it never existed. Well it does and this collection agency will not admit fault and remove it. 
I am attaching the court document, the information on azlaw that states the statues and what happens if they don't refile in this time frame. 
The collection agency owes me the money they made me pay to buy my home ( and battle later ) in the amount of {$290.00} plus remove this from my credit report immediately and I am expecting some kind of apology for having to go through all of this and them beating me down by intimidating me with cursing, yelling, rudeness every time I called. 
I even called XXXXXXXX XXXX and got nothing. 
I believe the collection agency is retaliating because I have gone to the XXXX, to XXXX XXXX, wrote a unpleasant review about it, contacted the owner who also was very, very unprofessional and I'll leave it at that, so now they are fighting me the whole way. 

Thank you for any help you can provide. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19
Company: Experian Information Solutions Inc.
State: NC
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:
They reuse to remove fraudulent information from my credit report I have already filed a ftc and reported it to the lenders as well

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 2022-11-28
Company: Experian Information Solutions Inc.
State: CA
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: Investigation took more than 30 days

Complaint:
I sent a letter to Experian, XXXX, and XXXX on XX/XX/2022 it's been well over 30 days, I still have not received anything back. According to 15 USC 1681i ( a ) ( 1 ) ( A ) Experian, XXXX, and XXXX have 30 days to respond to my dispute. This is a violation of my rights.

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 2022-09-19
Company: Stern Recovery Services, Inc.
State: NC
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:
STERN RECOVERY SERVICES IS REPORTING AND TRYING TO COLLECTED ON A FRAUD ACCOUNT. FIRST HEALTH HAS KNOWN AND HAS AMITED THAT THE ACCOUNT IS FRAUD. POLICE REPORT HAS BEEN REPORT AND UPDATED TO ADD STERNS RECOVERY SERVICES HAS FRAUD NOW NORTH CAROLINA XXXX XXXX HAS BEEN CONTACTED SINCE STERNS RECOVERY SERVICES HAD KNOWLEDGE FROM SEVERAL OTHER ACCOUNTS WITH FIRST HEALTH THAT WERE FRAUD ... IM A CHIEF FEDERAL JUDGE IN XXXX NC AND XXXX SC AND A INVESTIGATION WILL BE PLACED TO SEE IF THERE IS FRAUD WITHIN STERNS RECOVERY SERVICES.

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 2022-06-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
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:
Payment due date of XX/XX/XXXX -- I log in on XX/XX/XXXX to pay, but bank says it is past XXXX and my payment will be recorded the next day XX/XX/XXXX and in the process assessed me a late fee of XXXX dollars. 
-- I called the bank to verify that this is allowed, that a payment made on my due date can be late even though I paid on my due date, the agent says yes, and there is nothing that can be done about it. 
-- I want to verify from the CFPB, is this true, can I really be charged a late fee even though I paid before XXXXXXXX XXXX in my time zone on the payment due date? 
-- This has never been an issue with any of my other credit cards. I thought it was a due date, not due time. 
-- If this is allowed, I have already paid what I owe and will close all accounts with this company, but if this is not allowed, then the practice should be made to stop and my XXXX dollar fee refunded. 
-- Please see the time stamp on the screen shot I took after my payment on XX/XX/2022 -- Thank you -- late fee on due date

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-24
Company: Experian Information Solutions Inc.
State: PA
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: Investigation took more than 30 days

Complaint:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-25
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting act XXXX Account has violated my rights. 
XXXX. XXXX XXXX XXXX XXXX : amount of {$4400.00} XXXX. XXXX XXXX XXXX {$160.00} XXXX. XXXX XXXX XXXX XXXX XXXX {$140.00} XXXX. XXXX XXXX XXXXXXXX XXXX {$370.00} XXXX. XXXX XXXX XXXX {$110.00} 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: Mercedes Benz Financial Services
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I requested a 3 month deferrment XX/XX/XXXX ; due to temp being laid off. Payments pickked back up successfuly as of XX/XX/XXXX. After numberous calls, XXXX, emails and letters. The company is reporting 30 days late for the month of XX/XX/XXXX. i had a deferrment for the moths of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 
I was also informed that maybe we did not get your intial request in XXXX, or it didnt land in the appropriate department ; fill put paperwork and lets see what happens. I filled out paperwork again second time. 
Finally I was tol to write a leter to dispute in XXXX texas about the 30 day latenes of XXXX XXXX that letter was writtine XX/XX/XXXX. I have yet to hear any update. I cslled merceds financial service back to inquire about my dispute letter. I was told that theres no way they can XXXX to see if XXXX XXXX XXXX  in XXXX texas received my letter ; i was also told that there is no telephone number that they can provide me to see if they received my letter. I explaied to the representative, far as I know that this could be a ghost company im sendig letter too ; representative responded " pretty much '' overall, i was never late for any of my car payments since purchasing this vehicle XXXX. In addition i have been in XXXX XXXX the past XXXX yrs and never with any miss or late payment. I just dont undrstand why this matter can not be fixed within XXXX. 

i was also told by meredes to dispute with XXXX XXXX in which i did and they will f/u ; of course that never happended as well. Any assistance would be greatly appreciated

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
Company: Synovus Bank
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: Account status incorrect

Complaint:
FIRST PROGRESS CARD - incorrectly reporting as : Payment after charge off/collection Purchased by another lender. This was paid in full in XXXX of 2021, and I have made multiple written requests for evidence of the charge off/pay history for which there has been no response for more than 60 days now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I received a fraud alert from my credit monitoring services-XXXX XXXX and XXXX with concern that an account was opened in my name for XXXX 's Citibank with a {$500.00} limit on XX/XX/22. As of today, there is no balance being reported on the account. 
On XX/XX/22 I filed a fraud alert with the XXXX credit bureaus and contacted the company.

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 2022-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
The Credit Bureaus never did a proper " investigation '' on the XXXX XXXX  ACCOUNT # XXXX according to the FCRA. 

The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he/she is acquainted or who may have knowledge concerning such items of information. 

The Credit Bureaus did not do this : They also violated my rights even more. In accordance with the Fair Credit Reporting, everything has to be 100 % accurate on my credit report.

The Credit Bureaus stated that my account was properly investigated, but how is that possible if the date opened, credit balance, credit limit, last date reported, date last active and payment history are all inaccurate. This is grounds for removal They also violated the law because according to : 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. I did not give anybody 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
Consumer complaint received 2022-07-28
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 fraudulent accounts and personal info reporting on my credit report. It do not belong on there. I have documents of

SSN, DL, Fraud Report. Please remove negative accounts and personal information on the fraud report! In accordance with the Fair Cre
dit Reporting Act XXXX, the accounts listed on my attachments has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2022-06-25
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Citibank XXXX XXXX XXXX XXXX, XXXX XXXX, SD XXXX. We purchased a TV from Best Buy in XXXX. Citi bank was the lender. The bill was paid off in XX/XX/XXXX. 
XXXX we were charged {$90.00}. We had not purchased anything. in XXXX I received a bill with penality attached and I contacted Citi and told them there must have been a mistake because we haven't purchased any products or service from Best Buy for over a yearr and our statement should be XXXX and was XXXX starting XX/XX/XXXX. They said they would fix the problem because it was a computer error. The next month I received another bill plus penaltys. Once again I called and I was told they would fix it but they could only take part of the paymenty off. It is XXXX XXXX and I received a threatning letter. I called once again and was transfered XXXX  times to XXXX diffgerent people over an hour and fifteen minutes.. It was difficult to communicate because their connectiuon wasn't good going into their call center and most of the people weren't fluid in English and given instructions not to settle. That was from XXXX call..Please help and clear my account and I don't wish to do business with this FRAUDULANT COMPANY any more.

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