BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-29
Company: CL Holdings LLC
State: ME
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/XXXX I requested copies of my consumer reports from XXXX, XXXX, and XXXX, and as I was analyzing the reports I noticed that there was a collections account from : Account # : XXXX Debt Collector : Jefferson Capital Systems XXXX XXXX XXXX. 
XXXX XXXX MN XXXX stating that I owe them an alleged debt that I have no knowledge or recollection of owing them. I was never contacted about the alleged debt, nor was notified of my right to dispute. They opened the account on XX/XX/XXXX according to XXXX, but they never notified me of my consumer rights under the FDCPA. 
They then reported it on XX/XX/XXXX again without notifying me or communicating through mail, email, or in person. To my understanding, after XX/XX/XXXX debt collectors are suppose to let the consumer know that they have a debt, and record any proof of non delivery to the consumer. In my case this was never done. I never had the proper opportunity to dispute the debt they say I owe. This is the reason I did not contact the company. They've violated my consumer rights under the FDCPA. So I am filing a complaint with the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: WELLS FARGO & COMPANY
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I was contacted today by XXXX XXXX XXXX. Their phone number is XXXX. They informed me that they are suing me on behalf of Wells Fargo for a overdraft amount of {$900.00} that took place in XXXX according to them. I have no knowledge of this account, it is not on my credit report and I do not recall having a checking account with Wells Fargo during this timeframe. They informed me that they will be waiting for me at my home tomorrow in order to serve me with court documents and if I am not home they will come to my place of employment. The Account number they provided me is XXXX and case # is XXXX. I am concerned because I have no knowledge of this debt and am afraid of being humiliated at work. According to the person I spoke to this account charged off in XXXX and I have never seen it on my credit report? Does the statue of limitations apply? They said even though I am denying this account they are still going to sue me and contact me employer.

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 2023-09-20
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: Investigation took more than 30 days

Complaint:
I am writing to file a formal complaint against Experian, one of the major credit reporting agencies, for its failure to comply with the Fair Credit Reporting Act ( FCRA ) in addressing inaccuracies on my credit report. The purpose of this complaint is to seek assistance in rectifying this matter and ensuring compliance with federal consumer protection laws. 

I initiated a dispute with Experian on XX/XX/2023, reference XXXX XXXX # XXXX, XXXX, XXXX, challenging multiple inaccuracies present on my credit report. Under the FCRA, Section 611 ( a ) ( 1 ) ( A ), credit reporting agencies are required to conduct a reasonable investigation into disputes within 30 days of receipt. Furthermore, Section 611 ( a ) ( 7 ) mandates that they promptly notify consumers of the results of their investigations.

Despite my attempts to resolve this issue, I have neither received the results of Experian 's investigation nor any verification information confirming that an investigation has taken place. I sent my dispute via certified mail, with proof of receipt, Confirmation # XXXX and have diligently followed up with Experian on multiple occasions. Each time, I have encountered lengthy hold times, over two hours, assurances that a manager would contact me ( which never occurred ), and a lack of resolution or clarity regarding the status of my dispute.

As the FCRA stipulates, should a credit reporting agency fail to comply with the investigation timelines and verification requirements detailed in Sections 611 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 7 ), they are obligated under Section 611 ( a ) ( 5 ) ( A ) to promptly delete the disputed information from the consumer 's credit report.

I am seeking the assistance of the Consumer Financial Protection Bureau to rectify this situation. Enclosed with this letter are copies of my original dispute letter, certified mail receipt, and all relevant supporting documentation for your reference.

I kindly request that the Consumer Financial Protection Bureau investigate th
is matter and take appropriate action to ensure that Experian complies with federal consumer protection laws by promptly removing the disputed items from my credit report, as prescribed by Section 611 ( a ) ( 5 ) ( A ) of the FCRA.

I look forward to your assistance in resolving this issue and achieving compliance with the FCRA. Please feel free to contact me at [ Your Phone Number ] or [ Your Email Address ] for any further information or clarification you may require during your investigation. 

Thank you for your prompt attention to this matter, and I anticipate a timely resolution. 

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 explanation
Consumer complaint received 2021-08-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
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:
Bank of America just decides that the law does not apply to them. They have violated many state and federal laws and I have a list of violations noted that I will discuss with an attorney if this account is not removed. They are reporting different dates across different bureaus, they have removed payment information and the account looks to be re-aged. I have submitted well over 10 total disputes to Bank of America, XXXX XXXX, and XXXX  over about 18 months time. They say the information is " verified '' but that is impossible. If it was " verified '' they would see they are not reporting accurate or complete information, they would see they have deleted and re-aged payment history, and they would be able to provide me the information I ask for, but they have not. 

They have different account closed dates reporting for different bureaus, which means this information is not being reported accurately and complete as the law states. They are reporting different last payment history dates for different bureaus. They have completely taken away 2013 dates to re-age this account. They have holes in when they report so that they can re-age this account. 

All of these things are illegal and violations that warrant damages.

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 2022-08-18
Company: Nelnet, Inc.
State: WA
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:
Divorce decree awarded all student loans from NelNet to my ex-wife. There should be no debt in my name for NelNet. This is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
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:
I contact these companies to ask why my credit was ran and that my identity was compromised and that i have a ID SECURITY ALERT on my ssn .... and ask them to remove them ... .see below... and no one responded at all XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2023-02-01
Company: EdFinancial Services
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
XX/XX/2022 Payment Made {$19000.00} XX/XX/2022 Payment Made {$19000.00} My EdFinancial student loan account shows incorrect balance ( fradulent charges ) of {$39000.00}. I paid off {$19000.00} of this on XX/XX/2022 as a bulk payment. Then I made another payment of {$19000.00} of bulk payment on XX/XX/2022 and paid off my entire student loan balance of {$39000.00}. It should show XXXX balance. 

I have attached proof of the payments made during those days. 


Recently end of last year before my overseas trip i requested only XXXX balance to be put in for student loan forgiveness application. {$19000.00} was put in balance and was told refund check was attempted to be sent to me and was returned back to them. Then once back from overseas vacation. I did not receive any refund check in my mail since I was overseas and had mail stopped. I told edfinancial dont send refund check to me instead clear my XXXX balance from my account internally. They said ok and said finance team will fix it immediately. Now when i login and check I see {$39000.00} balance of fradulent charges in my edfinancial account. 

Please resolve this as soon as possible. I do not want any interest to accumulate at any point for these fradulent charges and want this entire balance cleared.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Last weekend I applied for on a " Rental Application '' to move into a brand new Apartment Complex. However, once the apartment " Leasing Consultant '' ran my " Trans Union '' credit report it false noted a home " Foreclosure '' that I supposedly had either in XX/XX/XXXX or XX/XX/XXXX. I was " Denied '' an apartment solely upon " Trans Union '' credit report on me. I called up " Trans Union '' and they refused to hear me out let alone to " Delete '' the false info. on my " Trans Union '' 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 explanation
Consumer complaint received 2023-06-14
Company: Experian Information Solutions Inc.
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:
I hope this letter finds you well. I am writing to draw your attention to certain discrepancies that have come to my notice in my credit file. Upon a thorough review of my credit report, I discovered that my file contains personal information belonging to another individual in error. As a responsible consumer, it is of utmost importance to me that my credit file accurately reflects my own information at all times. 

In light of the provisions outlined in the Fair Credit Reporting Act ( FCRA ), I kindly request your prompt assistance in rectifying the following inaccuracies within my credit file. As per the FCRA guidelines, consumer reporting agencies are required to address such requests within a period of 15 business days : Removal of references to XXXX  Removal of references to XXXX Removal of references to XXXX XXXX XXXX Removal of references to XXXX XXXX Removal of references to XXXX  XXXX XXXX XXXX XXXX references to XXXX XXXX Removal of references to XXXX XXXX I trust that XXXX, Experian, XXXX, will prioritize the resolution of this matter and ensure the expeditious removal of the aforementioned inaccuracies from my credit file. Your compliance with the FCRA regulations and your timely response to this request will be greatly appreciated. 

Thank you for your attention to this important issue. 

Sincerely, [ 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 explanation
Consumer complaint received 2021-08-10
Company: Credit Karma, LLC
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
hello. i opened a credit karma spend account well over a month ago. in this time ive added in XXXX $ increments XXXX to the savings and XXXX to the spend account. i tried to use the card and it was denied and has been everytime we try to use it. we cant internally transfer anything either. its locked. i called credit karma and asked for a supervisor numerous times. every time they say they cant help n have no support team for me to talk to everything HAS to be done on their time and through e mail. i read on there website that they used XXXX XXXX  XXXX so i called them. they also cant help and said she would send a email on my behalf. there website says all over it its fdic insured and use mvb banking. they refuse to help after 50 emails i have that prove everything ive done n everything said back to me. every reply is telling me i didnt respond. i have 4 kids n NEED my money. this card and entire process is insane. further into reading reviews it seems like anyone who has had this account opened is having issues. every card is locked and no one can get to their money. credit karma is holding on to sooooo many peoples money and wont give a reply or our money back. they claim to have a support team but at the same time there is zero contact information they will give you. they tell you its all emails. something HAS to be done about this. they stole XXXX $ from me as well as ALL of my information at this time. i thought i was doing something good and adulting and they definitely ruined that for tons of people in the US. i will never use credit karma again for anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09
Company: CURO Intermediate Holdings
State: TN
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The address associated with the account I have never lived at and the loan is not mine I spoke with ad Astra collections and explained to them that the address was not mine nor am I associated with the address and I want it removed from my credit repot

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: DISCOVER BANK
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:
FRCA Violation name XXXX XXXX  
FRCA Violation credit card
DISCOVER BANK
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

FRCA Violation collection

XXXX XXXX XXXX  Reported: XXXX XXXX XXXX
XXXX  Needs Attention XXXX XXXX XXXX
Reported: XXXX XXXX XXXX XXXX  Needs Attention
XXXX XXXX XXXX
Reported: XXXX XXXX XXXX XXXX  Needs Attention

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09
Company: EQUIFAX, INC.
State: LA
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:
These accounts, I feel, are having a negative impact on my credit score and costing me thousands of dollars in interest each year. This is not a regular dispute ; in addition, I have filed a complaint with the Federal Trade Commission and the XXXX XXXX XXXX since I am not aware of any of these accounts. I need this problem resolved as soon as possible ; I will not wait another 50 days for no response because you are clearly ignoring me. I demand that these accounts be removed immediately, or I will file for litigation as a result of the anxiety you have caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03
Company: JPMORGAN CHASE & CO.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I did not give consent or have any knowledge of the inquiry on my credit report XX/XX/2023 JPmorgan chase.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2017-04-06
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
This debt is OLD. Resulting from no payment since XX/XX/2009 with XXXX more than 7 years old. 
Should drop off by now.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have attempted to get the situation corrected for over a year. Over. A. Year. This will be THE LAST attempt to give XXXX  XXXX the chance to remove this erroneous account from my credit file, as I am tired of them playing this game with them. I have already secured legal counsel and will using their willingness to continue reporting incorrect and fraudulent information on my credit report as an admission of guilt. They have yet to provide proof in the form of a copy of the original credit application. A STATEMENT IS NOT PROOF!! It is merely record of someone with a name similar to mine, living at an address that I have never lived at, having an account with them. It's no secret as to why they have refused to provide LEGITIMENT PROOF in the form of the credit application because they know it will substantiate my point. I have never ( and will NEVER at this point ) do any business with XXXX XXXX or any of their affiliates. I contacted XXXX  XXXX multiple times between XXXX and XX/XX/XXXX, provided a copy of my ID that showed my date of birth, as well as the ONLY address I have ever lived at. I have even contacted their CEO and never received a response. The date of birth and address that they are reporting are not mine, yet they have refused to remove this account stating based on their records, it is my account. They continue reporting this fraudulent account with incorrect information which is harming my credit before I can even establish any. I contacted the number listed on the letter they provided to the CFPB as their " response '' and was not able to be assisted AT ALL by their reps. I continued to get the same run around and non-answers as I have been getting for the past year. I spoke to a XXXX on XX/XX/XXXX at XXXX AM at the number provided in the letter and explained why I was calling. She was clueless as to what the CFPB was and stated that the case numbers listed in the letter XXXX both XXXX XXXX and CFPB ) she was unable to look up. She then asked for my social and date of birth and stated that my date of birth was " not being accepted by the system. '' So ... ... ... .my question is again, HOW DO YOU SAY YOU HAVE VERIFIED AN ACCOUNT TO BELONG TO ME IF YOU DON'T EVEN HAVE MY CORRECT DATE OF BIRTH OR SSN???!!!! I was then transferred to the fraud department and spoke to XXXX ( Associate ID XXXX ) who also was clueless as to assisting me with following up on the letter that was sent from XXXX XXXX. No one that I spoke to was able to even pull up an account with my social or date of birth, so how are they " verifying '' this as an accurate account with the credit bureaus??

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
Company: Experian Information Solutions Inc.
State: NV
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:
i have made multiple attempts to resolve all the mistakes on my credit report with all three major credit reporting agencies. starting on XX/XX/22 i wrote letters to XXXX, XXXX, and experian i got no response at all first issue at hand is an account from XXXX XXXX being reported Soley to Experian and XXXX on my report its in complete violation of 15 U.S.C. 1681s - 2 ( A ) ( 1 ) A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO A CONSUMER TO ANY CONSUMER REPORTING AGENCY IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS INACCURATE highest balance shows different amounts account status shows paid on experian but show derogatory on XXXX last reported dates show different dates date last active shows different dates date of last payment shows different dates as well i would like this account completely removed from my credit report immediately please and 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