BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-06
Company: Exeter Finance Corp.
State: NC
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XXXX, 2023 and on XX/XX/2023 I sent two certified letters to Exeter Finance asking them to validate debt that I have with them. I specifically asked that they provide me with any written or contractual agreement that I have with them regarding debt they say I owe while being in compliance with the Fair Debt Collection Practices. Exeter Finance responded with inaccurate information, they did not provide the requested information to prove and authenticate a debt that I have with them. I further explained in my letter that according to state and federal law as defined in consumer debt practices, I do not owe them a debt and they have yet to validate any debt owed. Based on their meaningless claim, they have my personal information and is using it without my my consent. Such actions, Exeter Finance has reported inaccurate information about me to each credit bureau. These actions defame my character which adds hardships to myself and family. I have attempted to resolve this matter with Exeter Finance and as of XX/XX/2023, they still say I owe a debt to them but they are unable to authenticate any debt or produce any signed contract that I have between their company XXXX Exeter Finance ) and myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: EQUIFAX, 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:
I have been in contact with each credit reporting agency since XX/XX/2022. After a few letters and a phone call to each I have decided to file this complaint. A overload of hard inquiries not authorized by me need to be removed. At no time do the companies nor the credit reporting agencies have permission to list this on my consumer report. The real fraud are the companies and credit reporting agencies not following consumer laws and taking the power from the me as the consumer. There is a invalid Bankruptcy listed that is not authorized. The agencies are in full violation of the law and I demand they abide by the consumer law as I am the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13
Company: PC LEGAL SERVICES, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On Friday XX/XX/2018 at XXXX hours a call was received at my employer from XXXX by an individual who refused to identify their name, business name, or nature of call. The individual asked to speak with a " manager or supervisor '' and explained the information related to the call could only be provided directly to a manager or supervisor. I then transferred the individual to the our chapter 's executive director who received my protected information from the individual. The caller provided my supervisor, my name, detailed information regarding the alleged debt, specific instructions for me to contact the company back within 2 hours to prevent escalation to the human resources department of my employer, and that documents would be served summonsing me to appear in court. Provided case number. Asked to return call to XXXX. 

On Monday XX/XX/2018 at XXXX hours a call was again received at my employer from an anonymous number by an individual who refused to identify their name, business name, or nature of call. The individual provided my colleague with my name, detailed information regarding the alleged debt, specific instructions for me to contact the company back within 2 hours to prevent escalation to the human resources department of my employer, and that documents would  be served summonsing me to appear in court. Provided case number. Asked to return call to XXXX. 

Outbound contact made to XXXX at XXXX. Receptionist answered and identified the business as " corporate offices ''. Inquiry as to the name of the business at XXXX and receptionist explained it was a switchboard and he did not know. Attempted transfer to XXXX but no one answered. No voicemail left. 

Received a call and voicemail from XXXX. Returned XXXX 's call who explained that my case was out for processing with a document service company, XXXX XXXX XXXX, and that he only worked for the XXXX XXXX XXXX XXXX. Inquiry was made as to the nature of the contacts made to my employer. XXXX explained he couldn't provide any information. I inquired about what documents were being processed and when I would receive them to which XXXX stated 3-4 weeks. He then proceeded to give me a balance of {$1700.00} owed but refused to provide the name of debtor. XXXX stated " Do you plan to resolve the balance today? '' and stated " We deposited {$1500.00} into your ( states name of bank ) on ( provided date of deposit ) so you can look in your account and find the name of the creditor ''. He perpetuated collection tactics and became abusive and aggressive when additional questions I asked to validate the debt. XXXX provided an address of XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX

Company response to consumer: Untimely response
Consumer complaint received 2022-03-18
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:
I have been in contact with each credit reporting agency since XX/XX/2022. After a few letters and a phone call to each I have decided to file this complaint. A overload of hard inquiries not authorized by me need to be removed. At no time do the companies nor the credit reporting agencies have permission to list this on my consumer report. The real fraud are the companies and credit reporting agencies not following consumer laws and taking the power from the me as the consumer. There is a invalid Bankruptcy listed that is not authorized. The agencies are in full violation of the law and I demand they abide by the consumer law as I am the consumer.

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 2023-07-20
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Despite my multiple attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue has yet to be resolved. The inclusion of these items has had a profound impact on my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2023-03-13
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:
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. 

Account Name : XXXX  XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 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 2023-06-06
Company: Harris & Harris, Ltd.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I'm called almost weekly by Harris & Harris about debt collection. The voicemail is always a prerecorded message from someone named XXXX XXXX asking for me to contact one of their representatives. I've checked my credit report multiple times and have yet to find any trace of collection notices. I'm worried to call back because I do not want to be taken advantage of. They've called on the following dates this year from multiple numbers : XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XX/XX/XXXX, XX/XX/XXXX. XX/XX/XXXX, XXXX, XX/XX/XXXX. XX/XX/XXXX, XX/XX/XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, 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:
XXXX Inquiry I did not authorize from XX/XX/19 XXXX XXXX Inquiry I did not authorize from XX/XX/19 XXXX XXXX XXXX Inquiry I did not authorize from XX/XX/19 XXXX Inquiry I did not authorize from XX/XX/19 XXXX XXXX Inquiry I did not authorize from XX/XX/19 XXXX XXXX Inquiry I did not authorize from XX/XX/19 XXXX XXXX Inquiry I did not authorize from XX/XX/19

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 2018-08-16
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have been disputing this debt for over 7 months. I have repeatedly asked this company to provide proof of this alleged debt as well as the contract where they are allowed to add additional fees being that they are a collector and that is illegal under the FDCPA. I do not agree with this account and they have Never responded to any of my disputes and have not provided verification even though they have been responding to the credit bureaus that the information is 100 % accurate.

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 2020-03-10
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX at XXXX I visited the Wells Fargo Branch located on XXXX XXXX XXXX XXXX XXXX FL XXXX. I made a deposit of {$2500.00}. Three {$500.00} checks and {$1000.00} cash, as the machine was processing I received error messages and the machine started to jam. It gave me back {$900.00} cash and kept {$100.00} cash & {$1500.00} In money orders. The machine printed an error receipt stating it was and error and theyll credit me {$0.00}. I contacted Wells Fargo and let them know what happened & I was credit back {$1500.00} on XX/XX/XXXX. Today is XX/XX/XXXX I logged into my bank account and seen I was over drafted {$1500.00} due to an adjustment. I contacted Wells Fargo and they were extremely rude, the agent named XXXX told me my checks had been lost and I need to figure it out on my own. He laughed at the fact that i was upset and then proceeded to hang up in my face. I called back and spoke to a woman who did the exact same thing. I am highly disappointed and I do not trust Wells Fargo back at all!!!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I contacted TransUnion and their customer service would not help and take care of the negative inquiries reporting to my credit report. I uploaded the affidavits from the FTC for the following. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Trans Union

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 2018-08-16
Company: TekCollect Inc.
State: MO
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: Problem with personal statement of dispute

Complaint:
TEK-COLLECT INC XXXX XXXX XXXX  XXXX XXXX XX/XX/2018 {$320.00} XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX This is a collection on my XXXX  credit report that is so in actuate, that it is fraud. I never had treatment from this Dr., nor do I owe any money. This Company " Tek collections '' tried to hit my other credit reports with the same charges and they where removed indefinitely. And placed under fraud. Please help thanks

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
TransUnion is continuously and knowingly reporting inaccurate, unverifiable information on my credit report and are in clear violation of the FCRA Sec 605 ( a ) ( b ). I have contacted them on numerous occasions with proof of identity theft and that my information was compromised in several data breaches, theirs included. I last made contact with TransUnion XX/XX/23 and advised a representative that I obtained a FTC Identity theft affidavit and had begun to see fraudulent accounts removed by XXXX, XXXX, and XXXX and was advised that they don't accept any affidavit from the FTC and that I would need to file ANOTHER dispute. TransUnion is showing their deceptive tactics by doing all to have me jump through hoops to get false information removed. I have mailed letters and copy of driver 's license and proof of address and proof of data breach to no avail. They claim to verify the information, yet all of my consumer reports are frozen. They have yet to provide proof that these accounts are in fact mine. My credit reputation has been seriously compromised and I am unfairly being denied for housing for my children due to these inaccuracies. As previously stated, XXXX and XXXX have begun removing the fraudulent accounts that could not be verified as mine. PLEASE assist me with having Transunion abide by the law. They have gone well over the 30-day time frame allotted by law to provide proof of debt and methods of verification. The following accounts are NOT MINE and need to be removed ASAP! I have to initiate another dispute however I have no confidence that Transunion will do the right thing at this point I have been attempting to rectify this for years. It is exhausting and embarrassing to be denied for accounts that are not mine. I am also uploading the FTC affidavit. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX 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 2023-06-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
Ive asked this company Bank of America to cease all communications. They agreed to do so, but Bank of America is still reporting to XXXX XXXX report, which is a form of communication.

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 2018-08-16
Company: Computer Credit, Inc.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
Continue to receive threatening communications from the collection agency after I notified them twice in writing that my only income is social security. last threating letter dated XX/XX/2018

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I am formally requesting the deletion and removal of the following accounts and information from my consumer report. The accounts and details listed below should not be reported on my consumer report, as it directly violates the FDCPA and FCRA. It is imperative that these accounts and information are promptly deleted and removed from my consumer report to comply with several laws. I expect immediate action to remove these accounts and information.

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 2022-03-18
Company: Affirm Holdings, Inc
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
I originally file a Complaint XXXX more than XXXX  days ago since then the Problem is between Affirm and XXXX. It appears XXXX Loans done on XX/XX/2021 and XX/XX/2021 where the XXXX was not available or Returned. The Loan company Affirm and the Retailer XXXX FAILED to zero out these loans since these dates. I have Uploaded Proof to your agency, Affirm from XXXX. It appears XXXX promised XXXX system and DID NOT have it ready for Affirm until currently in the store and XXXX. I can not tell you the hardship this causes us as consumers. XXXX CLOSED my online account due to " Suspicious Activity ''! What happen on XXXX order it billed Affirm and Our Credit Card? This error lied truly with XXXX as it also billed Affirm! I contacted XXXX and Affirm both have stalled for months doing nothing but threaten to report it to the Credit Bureaus for the errors they both caused by in XX/XX/2021. The Loans are Loan : XXXX which is order # XXXX and Loan : XXXX which is order XXXX. Both Loans Either Cancelled/Returned or Fail to Deliver Goods. But sought payment even though both Cancelled Per XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I contacted The President and CEO of Portfolio Recovery Associates LLC, via certified mail, twice in the past month. My mail is not being scanned as delivered and I have proof of sending it through USPS. I sent my complaint to the Attorney General of my state and PRALLC responded within 2 weeks. Now my letters are in limbo. I asked for debt validation and they sent me back invoices which isnt proof of indebtedness or obligation to repay a debt. Theyve also violated multiple FDCPA codes and Ive sent an Affidavit of Truth which still stands as fact as it was not challenged and even if it were, I have exhibits proving otherwise. I know my rights as a consumer and Im still waiting for verification/validation of the origins of this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Hello, I received my Transunion consumer report and noticed that they have an incorrect spelling of my name. I contacted Transunion to dispute/remove this, and they informed me that they couldn't do it. I understand that it is the responsibility of the credit reporting agencies to ensure that the information is accurate, as listed in 15 U.S Code1681. The spelling of my name has never been anything other than XXXX XXXX XXXX. Please remove the incorrect spelling of XXXX XXXX from my TransUnion consumer 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 non-monetary relief
Consumer complaint received 2022-03-18
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: Was not notified of investigation status or results

Complaint:
I sent in multiple letters on XX/XX/2022 addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action. 
15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability

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