BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-27
Company: Rubin & Rothman, LLC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I was sent a letter from a lawyers office Rubin and Rothman stating I owe them a debt. I did not recognize it. I sent them a debt validation letter and it was certified I have the proof they received letter. They never sent me back what I asked for. Today I got served and the letter was taped on my door for everyone to see.

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 2023-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-10
Company: EQUIFAX, INC.
State: IL
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I first contacted Portfolio Recovery in XXXX, XXXX to dispute this account because I never received notice of this account being placed with them, which is a violation of the FDCPA, and furnishing this information to ANY credit reporting agency. Portfolio Recovery and I, the consumer in this transaction, never had any business dealings or contract. XXXX XXXX, whom is said to be the original creditor, stated in their terms and conditions, that they would not sell my information to any third parties, and Portfolio Recovery is a third party that has violated my federally protected rights. 

I requested documentary evidence as it relates to IRS publication XXXX, that I owe Portfolio Recovery this debt. I also requested proof of authorization that this company is able to collect on this debt. None of the requested information was supplied by the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Company: WELLS FARGO & COMPANY
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2021, I ( the seller ) was selling a product. The buyer, interested in the product, wanted to complete the payment through XXXX Banking. This was my first time using XXXX Banking, in which I used it through the Wells Fargo Banking app, thinking it would be a safe choice. The total for the buyer came to {$1000.00}. On XX/XX/2021, the buyer said she processed this payment. I received an email minutes later from an imposter. I thought this email was valid and reliable as it was sent using XXXX 's email and had their logo. ( Refer to Attachment # 1 for the first email received ). This email stated that my account should be updated to a business account, but a minimum of {$2000.00} is required. The difference of {$970.00} was 'paid ' by the buyer, and I would refund that account. Once all payments have been made from both parties, both parties would receive their money. This fraudulent email forced me to take action. 
I stated to the buyer that I did not want to follow through with this, however, she said it was too late, she had already paid the {$970.00}, and we need to follow through. ( Refer to Attachment # 2 ). The next day, XX/XX/2021, I received an email from the fake XXXX email saying the buyer was charged {$970.00} XXXX times, and I would need to send it once more to refund her account. Once again, once all parties have paid, I would get my money refunded, and she would get hers. Therefore, the fraudulent email made me take action of paying {$970.00}, again. ( Refer to Attachment # 3 for the second email received ). 

In all, this means I lost a total of {$1900.00} toward fraudulent activity. 

I asked the 'buyer ' to please send back the money since it was a fraudulent attack. The buyer refused to comply with the request. 

After discovering this was fraudulent activity, I immediately contacted Wells Fargo and explained my situation. They filed each claim ( each payment as its own claim ), as told me it would be credited in XXXX to XXXX business days. The tenth business day came, and I have heard nothing from Wells Fargo. When I called the bank to ask the status of my claims, the banker answered they were closed out because " there was no banking error. '' Minutes later I contacted the claims department directly to get more answers. I later found out that Wells Fargo reached out to XXXX to let them know there was fraudulent activity using their banking and the receiving financial institution asking for the funds to be returned. I was told that if the 'buyer ' had already withdrawn the funds, there was nothing else that could be done, despite any type of consumer protection.

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 2023-08-26
Company: EQUIFAX, INC.
State: IL
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I've reached out to this merchant to resolve the dispute to no avail

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 2021-06-28
Company: AES/PHEAA
State: MD
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:
There is a discrepancy in the number of qualifying payments for my loans. I spoke with XXXX ( XXXX ) from myfedloan on XX/XX/XXXX at XXXX who informed me that they are unable to confirm payments made with direct loans from the periods of XX/XX/XXXX through XX/XX/XXXX as well as from XX/XX/XXXX through XX/XX/XXXX because direct loans no longer exist. 

I have not been given credit for payments made when XXXX XXXX was my loan service provider.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely repaired : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
XXXX XXXX XXXX is reporting a settled and closed account as open almost 2 years after the settlement took place

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 2019-07-31
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I get a credit to be paid in one year without interest to do a dental job on XX/XX/XXXX. I was sending my monthly payment to XXXX for my XXXX XXXX XXXX Credit card, and I sent my last and pay in full payment on XX/XX/XXXX to prevent any interest. ( Check XXXX number XXXX, bur XXXX XXXX XXXX from XXXX XXXX XXXX, XXXX XXXX TX XXXX, still sending me bill to pay " previos Balance '' all ready paid. I send them a letter but they say that I mus paid interest from the credit. 

Please help me to resolve this problem and their abuse, because I do not have any balance with them Thank you so much XXXX. XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-23
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts please investigate the unverifiable accounts : XXXX XXXX XXXX Balance : {$670.00} XXXX XXXX XXXX Balance : {$23000.00} XXXX XXXX Balance : {$340.00} XXXX XXXX Balance : {$260.00} XXXX XXXX XXXX XXXXXXXX Balance : {$7400.00} XXXX  XXXX Balance : {$310.00} XXXX XXXX XXXX Balance : {$23000.00} XXXX XXXXXXXX Balance : {$0.00} Consider this as a follow-up to my prior complaint dated XX/XX/2023 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 2022-03-16
Company: HW Holding, 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: Account status incorrect

Complaint:
There is a collection account on my credit report that is posted in error from Hunter Warfield collection agency due to a poorly written contract between XXXX XXXX XXXX and my son. I am the co-signer on my son 's behalf. 

The property manager of XXXX XXXX started harassing me for more payments after I have already paid XXXX towards the 2-year term of a total {$8600.00}. After the manager requested more payments, we informed her we had already overpaid. She stated that the amount owed was XXXX per year. The contract stipulated that the term was for 2 years not one. At this point we discovered there was discrepancy in the agreement regarding payments. The total amount owed was worded confusingly. At this point around XX/XX/2017 my son moved out of the fraternity residence because we could not afford the new amount. After my son moved, we received constant calls and emails to pay the balance of what they thought we owed for 2 terms which would be XXXX per year. After many unsuccessful attempts to resolve this issue, we hired a lawyer who extensively explained to them Washington State law and how it works in favor of those who did not draft the contract, " if there's an internal conflict/discrepancy/ambiguity in a contract, it will be interpreted against whoever wrote it. '' Despite my attorney 's efforts, the property manager took this case to Hunter Warfield Collection Agency. This has impacted my credit score severely.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28
Company: CITIBANK, N.A.
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/21 I purchased 6 storage bins online from Home Depot using my Home Depot credit card. The order number was : XXXX, and the amount of the purchase was {$220.00}. The Home Depot store that was supposed to fulfill the order and ship to me did not do so, even though I paid an additional {$35.00} fee for next day expedited shipping with a shipping window between XXXX and Noon. When the order didn't arrive as scheduled I contacted both the store and the Home Depot Credit Card company to cancel the order. The order was cancelled and I was told that a credit in the amount of {$220.00} would be applied back to my Home Depot credit card within 3-5 business days. When a credit was issued, someone from Home Depot Credit Services made a typographical error and entered the credit wrong as {$2.00} instead of {$220.00}. I called and was bounced around between the customer service department, disputes department, fraud department, and security operations department. They all knowingly admitted that someone on their end made a mistake in entering the credit amount wrong, and that it would be corrected within 3-5 days. It was not corrected. I filed a formal dispute online and within days received a letter saying the issue was resolved in my favor and the {$220.00} credit had been issued and the dispute closed. It was not fixed. Nearly a month later and multiple calls later and a trip to the Home Depot store have provided no results and no fixes to their error. I want this fixed and my credit issued asap. This is wrong and I as a consumer shouldn't have to make sure the credit card company does their job properly. In addition to my credit being issued, I would like a letter of apology for the extreme inconvenience and stress this issue has caused me. Based on all of this I probably will never shop at Home Depot again. I have attached a copy of the letter from Home Depot Credit Services showing the dispute was resolved and a supposed credit of {$220.00} issued but it was not. I also included a screenshot from the Home Depot website showing that the Order # XXXX was cancelled.

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
Consumer complaint received 2023-10-17
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Under the provisions of the Fair Credit Reporting Act ( FCRA ), I am entitled to certain rights with regard to this account, and I am seeking your assistance in ensuring that these rights are upheld. 

Account Details : XXXX Name : XXXX XXXX Account Number : XXXX Collection Agency : Florida Department Of Revenue Date of Initial Collection : I believe that the FCRA allows me to request the following information regarding the aforementioned collection account : Verification of the Debt : Please provide me with detailed information verifying the existence and validity of this debt.

Copy of Original Contract : I am requesting a copy of the origin
al contract or agreement that supposedly gave rise to this debt.

Payment History : Please provide a comprehensive payment history for this account, including details of any payments made, charges, and interest. 

Name and Address of the Original Creditor : Kindly furnish me with the name and mailing address of the original creditor associated with this debt.

Proof of Ownership of the Debt : I am entitled to see proof that the collection agency indeed owns the debt and has the legal right to collect it, which should include a signed application with the consumer 's wet ink signature. 




The above Case # XXXX number is depriving me of inherent and indefeasible rights, privileges, and immunities secured by the federal and state constitutions. According to a recent Supreme Court ruling, child support has been declared unconstitutional under Article 3, Section 1. In light of this ruling, I firmly believe that all prior child support orders and associated arrears should be vacated, I contacted the agency and no response, this has affected my way of living, been placed on my credit profile and according to the FCRA section 607 ( a ) requires that consumer reporting companies, among other things, must require that prospective users of consumer reports certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. 15 U.S.C. 1681e ( a ). 13. 15 U.S.C

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 2023-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-17
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting 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 this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. 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