BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-15
Company: Experian Information Solutions 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:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MI XXXX To whom this may concern, RE : Inaccurate and Unverified accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Violation Status following your investigation : Seriously past due date I am sending this letter in response to the results of your incomplete investigation. I want to inform you that this is NOT a refusal to pay but in accordance with my rights under the Fair Debt Collection Practices Act I am disputing these accounts and requesting a validation of debt. ( 15 USC 1692g Sec. 809 ( b ) ).

I am NOT requesting a verification, but I am requesting for validation. I request that your office provide me with evidence that I am obligated to pay you. Please provide me with the following information : 1. State what the money you say I owe is for.

2. How did you come to determine that amount?

3. Provide copies of agreements bearing my signature, stating that I agreed to pay what you say I owe.

4. Show me the proof that you are licensed to collect in my state ; provide your license number.

5. Provide me with proof that the statute of limitations has not expired.

6. A valid, legible copy of the agreement stating the debt and interest charges.

7. How is a closed collection account past due? This is a violation of the FCRA!

********DELETE THESE ACCOUNTS********** As you know it is against the law to report any information not proven accurate. If your company fails to comply or respond to this letter within the allotted time of 30 days from the date you receive this letter, this account must be deleted and removed immediately from my credit report. Also, all future attempts to collect this debt must stop. 

Thank you, 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 2021-05-31
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
Information obtained from Experian My former address has wrong dates

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 2022-11-15
Company: EQUIFAX, INC.
State: IN
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 TRIED TO SUBMIT THESE PREVIOUSLY TO THE CREDIT BUREAUS BUT HAVE NOT RECEIVED ANY RESPONSE SO I AM RESUBMITTING THESE NOW. I BELIEVE I HAVE RIGHTS TO RECEIVE FAIR TREATMENT AS A CONSUMER

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: TMX Finance LLC
State: TX
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Title loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
ALL LEDGERS FOR EVERY PAYMENT MADE, THEY REFUSED TO PROVIDE FOR ME. 
I ASKED FOR THE FRAUDULENT ACCOUNT TO BE REMOVED PER THE CHARGE BACK NEVER RECEIVED BY MY BANK. LEGAL ADV THAT THIS AMOUNT WAS ADDED DUE TO MY BANK DISPUTES. THE FIRST WAS XXXXXXXX XXXX THE SECOND WAS XXXX SOMETHING. XXXX XXXX XXXX, XXXX IN THE CORPORATE OFFICE AND XXXX XXXX ALL ADVISED OF ISSUE NOW THEY HAVE CONSOLIDATED THE CHARGEBACK AS A LOAN. WHEN I TRIED TO CONTACT THIS MANAGER I WAS TOLD SHE NO LONGER WORKED THERE. THE XXXX  GUY IS CALLING MY CELL PHONE LYING ON TODAY AS IF HE DIDNT SEE THE CHARGEBACK LOAN, AS PREVIOUSLY ADVISED. I HOPE EVERY BAD THING FINDS ITS WAY TO EACH OF THESE INDIVIDUALS : )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: World Acceptance Corporation
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:
World finance cooperation continues to report a Charge OFF debt that was sold to XXXX XXXX which I paid the debt in full as XXXX stated the debt would be deleted after I paid the account. World Finance constantly keeps reporting debt as charge off after debt was sold to debt collection agency. 


Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Secured Loan Payment summary XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX PAYMENT HISTORY LEGEND Status Paid in settlement. {$770.00} written off. 
Status updated XX/XX/XXXX Original balance $ 560 Monthly payment - Last payment date XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hello I went to get a personal loan so I can help with my mom 's meds and I was denied by the bank I've been with for 11 years. I got a copy of my credit report and there so items on there that are not mine. Please have these taken off my credit. I have already contact the FTC and the police Department. I am doing this on my own behalf. XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX. XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX AND 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 2021-05-31
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN
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 received a copy of my most recent credit report. Upon review, I found an account that is not mine and is being incorrectly reported on my credit report. The account is with WAKEFIELD AND ASSOCIATES with a balance of {$1200.00} and an original creditor of XXXX XXXX XXXX This account is not mine. It may belong to my father who has the same name. Since we are estranged I have no way of knowing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: EQUIFAX, 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:
I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint and I'm including it again. 
XXXX XXXX Balance : {$94.00} XXXX XXXX XXXX XXXX XXXX Balance : {$190000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: CL Holdings LLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
JEFFERSON CAPITAL SYSTEMS XX/XX/2022 {$430.00} All I wanted is that this of my credit report and boost my credit that it

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: WELLS FARGO & COMPANY
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I have been sending money with Wells Fargo through XXXX for several years to the same person. I sent the following amounts from my acct at Wells Fargo to my Fiance 's account at Wells Fargo. XXXX {$1000.00}, XXXX {$1000.00}, XXXX {$2000.00}, XXXX {$2000.00} These funds went to another bank and an identified person. Again, I send funds to her every month with no issues until this past XXXX. I made no changes to the XXXX account at any time. I called Wells to file a claim on XXXX. I received no confirmation, so I called again on XXXX and they stated a claim wasn't not logged on my previous call. So I made a new claim on XXXX. They denied my claim. I called their Complaint Dept on XXXX and was told I would receive a call back in 48 hours. I did not receive a call until XXXX. XXXX states XXXX is not their product and they do not back the transfers. I am a 100 % XXXX veteran and have been XXXX  6 times since XXXX and my XXXX affects my XXXX abilities. This {$6000.00} is my mortgage money. Wells states they have nothing to do with XXXX and it is not their product. Yet it is advertised and promoted through Wells. I feel this is not right to promote a product they do not back. All previous transfers went correctly until XXXX and they can not tell me what went wrong or who made a change to my zelle transfers. Wells is taking no responsibility nor can they give me a number to XXXX so I can research myself. {$6000.00} is nothing to Wells, but it is affecting my ability to live. Bottom line, Wells is stating you use XXXX at your own risk. I also asked for contact information for XXXX XXXX CEO, but they could not provide that information. I have been a customer for 21 years and feel I deserve a better explanation and some 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 2020-06-11
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
On XX/XX/XXXX I transferred {$200.00} USD from my chase checking account into coinbase as XXXX currency. I uploaded my drivers license to verify my identity and almost immediately ( after the transfer completed successfully ) they notified me that they were forcing me to close my account and I need to transfer my funds out right away. I have been trying since XX/XX/XXXX to transfer the funds out but an alert comes up that states I am unable to transfer and to contact support. I have contacted support over 5 times and they state they opened an investigation but I have not received any follow-up or update. I am able to log onto my account where it then alerts me I need to transfer my funds immediately because my account is being closed. I continue to email - as there is no number you can call to reach anyone - but no one will answer me. I desperately need to transfer my money out especially since XXXX  could drop value at any time forcing me to lose money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
A debt that I never had, has shown up in my credit report. A Capital One credit card ; showing over {$3000.00} worth of debt. I have Never had a Capital One Credit Card. They said this is from 2008 yet has just now showed up!!!! I want this off my credit report, now!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23
Company: Experian Information Solutions 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:
Experian said they looked into/confirmed a bankruptcy on my credit i disputed it and they claim they confirmed it with a company and i believe i have a right to know the name of said company and person [ s ] that confirmed it or were talked to. There are at least 3 things wrong on my credit 1 the bankruptcy 2 wrong spelling on my middle name 3 they say i worked for some company i have never heard of but? they removed that. i'm not calling them to get the run around and given fake excuses for not giving what i believe i have the right to know ow and one last little fact they have 2 late payment on my credit report but?  when i click to see details on theses late payments there is nothing no surprise here!

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 2023-11-02
Company: EQUIFAX, INC.
State: TN
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report. XXXX XXXX XXXX Balance Owed : {$280000.00} ; XXXX XXXX Balance Owed : {$23000.00} ; XXXX XXXX XXXX Balance Owed : {$5400.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-31
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There is a collection on my credit report from XXXX XXXX, with an address attached to the collection that does not belong to me. I have contacted XXXX XXXX and informed them that I am a victim of Identity Theft. Below are the account number and also the amount that was placed on my credit file. Thank you for your prompt attention to this matter Account Number Account XXXX Amount on credit reports ( Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX below is the letter I have sent in certified to XXXX XXXX Account XXXX XXXX XXXX Fraud Department To whom it may concern. I have received notification that a negative account has been reported to my credit file, this account does not belong to me I was recentlv a victim of fraud and the address for this account is and has never been a place of residency for myself, I have attached a copy of the police report filed for your review Please remove this negative account from all three bureaus XXXX, XXXX, XXXX Thank you for your time and consideration in regards to this matter XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-23
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
A few months ago, I was suddenly hit with an overdraft fee, from usaa. This was new as I had never signed up for overdraft, and if something came in towards the end of the month, it was sent back ( like say, XXXX, and it just sends you a reminder to update your payment method ). Suddenly I was hit with a XXXX XXXX overdraft fee. I complained and was told that whether or not I was enrolled, the overdraft would still be charged. I made complaints to the Texas AG, and the SEC. The next month, the account had gone back to if something came through before my compensation hit, it would just get declined. I thought nothing of it. Until tonight. Earlier this month I had planned to go to Hawaii and meet my fiance 's parents. I only have compensation so I watch my spending very carefully. As a precaution, I transferred {$400.00} from another account, before I purchased two economy tickets back. When we both returned, I transferred back {$100.00} to the account I had transferred the {$400.00} from, leaving {$60.00} to eat off of for the rest of XXXX. I had under {$3.00} in my checking account. I received an email stating that my spectrum mobile was paid and after investigating, found that USAA had overdrafted my account. So I called them, and after they tried to confuse me by saying that " I had purchased two tickets and that is when the overdraft started '' and I informed them that I had {$600.00} in there before the purchase and had transferred {$400.00} just in case, before the purchase, to make sure it went through, because my fiance and I had wanted our seats together, I didn't want the charge not to go through. So after a long wait, the associate returned to the phone and said " I was instructed to tell you this ... USAA is not responsible for the purchases on your account, unless you want to dispute the charge, and if you do not wish to dispute the charge, I am to end the phone call. '' I wished her a XXXX XXXX and hung up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: Affirm Holdings, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
This account reported me in XXXX I called that company to be able to solve the problem which reports me wrongly in my credit report since it does not appear in XXXX or in XXXX 

I called experian and they suggested that I file a complaint with you so that it can be resolved directly with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-12
Company: Healthcare Collections-I, LLC
State: AZ
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have had on my credit for 2+ years a charge of XXXX. I have questioned this balance numerous times and my response from XXXX hospital is ; payment in full is required. XXXX hospital accepted a negotiated balance from the XXXX XXXX via XXXX. Original bill was XXXX, XXXX insurance pd XXXX hospital XXXX. XXXX hospital then turned the diffency balance over to a collection agency, named Healthcare collections loc. Per XXXX insurance, when a claim is negotiated the balance is a write off. I have called XXXX hospital, they have since removed the charge from my credit, but they have caused me great financial distress to obtain any type of credit for 2+ years. 
XXXX HOSPITAL # XXXX Healthcare collections LLC XXXX Thank you, 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 2022-11-15
Company: EQUIFAX, 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:
Hello my name is XXXX XXXX and I have been a victim of Identity Theft! 

Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: Resurgent Capital Services L.P.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I checked my credit report to find several debts that I never even heard of. Contacted them to verify the alleged debt. I sent a letter stating I checked my credit report and they were on there as a derogatory mark. I wrote them and asked for proof of how they came to have this alleged debt. what they sent me was nothing I asked for to properly verify this alleged debt. After my own research, I am fully under the impression they are a scam company after reading reviews from ex-employees on XXXX and other victims of this company. I would also like to make a point that after sending these letters to the company and demanding they send me real and legitimate proof, I have also been receiving calls from " XXXX XXXX XXXX '' saying I signed up for them, also a lie. I speculate that since they couldn't scam me into paying for a debt that was not mine they started using a third-party company to further harass me.

Company response to consumer: Closed with explanation