BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-17
Company: Experian Information Solutions 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: Problem with personal statement of dispute

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: In progress
Consumer complaint received 2020-12-19
Company: CAVALRY INVESTMENTS, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Breach Of Contract, Many Businesses who have made Fraud misrepresentations, and false statements made false assertion Fraud debt. They're Intentionally used this method as tortious act to infliction of emotional distress. They are stealing my personal information, creating accounts through their system. Present i am grossly, affected by the Data Breach. and Fraudsters, using my personal information and is being passed on deception through Identity theft and XXXX  Data Breach files are being created in my names. Today received letter from XXXX XXXX XXXX XXXX. Referencing Calvary SPV 1, LLC and referencing XXXX XXXX  requesting {$1200.00}. Deliberate interference violated by the intentional torts of assault by calling repeatedly. I have never authorized this debt. My rights are being infringe upon. Over Two years ago, I am being taken to Court by XXXX XXXX XXXX, although, prevailed, in case they received a Judgement for this account in the amount of {$1900.00} on XX/XX/XXXX. Now they want more, I and being invaded by Debt collectors Data Base. I have been harassers ever since. I am being invaded by Debt collectors Someone attempting to collect a debt constantly calling phone calls on my cell phone. Constantly being taking to court by XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXXXXXX. Two days ago, received a box of XXXX XXXX with multiple transactions from multiple accounts that most are not mine file from XXXX ( stating I am requesting information ), which I didn't. Many Cases constantly being filed in court. Every day, I am being contacted for more money they say is owed in my name. What can I do? I do not own money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01
Company: PORTFOLIO RECOVERY ASSOCIATES INC
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:
Company keeps calling me.. The debt is far beyond the statute of limitation, does not belong to me, not on my credit and the company can't provide signed proof that tie me to the debt in anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Me and my mother was give some information from a family friend that said they were going through a similar situation and they had a Second chance company that helped them named XXXX XXXX.I was provided the contact information for XXXX XXXX. 

On XX/XX/XXXX I have reached out to XXXX XXXX and spoke to a representative named XXXX. I informed XXXX about me and my mother 's issues with finding apartments that we can get approved for, due to our credit issues. He assured me that he could assist, he discussed payment and what to expect. XXXX told me that their company would be the guarantor of the contract for whatever apartment I choose. 
I talked this over with my mom and we agreed to send the money. I talked to XXXX and filled out of a form of where me and my would like to be located with the needed amenities. He gave me all of the avaliable Payment methods. We figured XXXX would be the best option. I gave XXXX {$600.00} XXXX, to the XXXX account. XXXX told me that he would send an Apartment list with what is needed, with the Partnered Properties to me, so we can go visit the apartments within 48 Hours. 

I have yet to receive an Apartment list. I have tried reaching out to XXXX and I haven't not a received a response thus far. 

On XX/XX/XXXX I reached out to Chase to see if someone could assist. I spoke to a representative who stated that I would have to speak to XXXX regarding the manner ; and I was transferrred over. I spoke to another representative, who stated since I willingly sent the money to the merchant ; they could not do anything. I asked to be transferred back to the previous department. However, the representative stated that there was not much more Chase could do either. 


Also, I requested my money back from XXXX XXXX and it was rejected. 

I have not received the services that I have paid for and I would just like my money back at this point. 

On XX/XX/22 I received a Statement from Chase, stating, " As we discussed and agreed, no action will be taken ''. Also, they have the incorrect disputed transaction. The correct dispute was for XXXX XXXX for the amount of {$600.00}, as stated in the previous claim thatI have submitted. I am confused as to what did we " discuss '' because I only received a Voicemail from the XXXX at the Chase Executive office, stating that she was working on the case. If this can not be corrected I would like my account closed and I will be taking my money out.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for  dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

5. XXXX XXXX XXXXXXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- PERSONAL ACCOUNTS 6. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

7. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

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 2021-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 sent a letter to transunion because I noticed some accounta being furnished that are not supposed to be. in there response they asked for proof of identification so I sent them my license and social security card. I have not yet recieved a response from themm regarding these account that should be removed from my consumer report. it has been more than 60 days. I also got a copy of my report stating it's deleted but I still see it being reported online and again it's been more than 60 days

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: TransferWise Ltd
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I created a personal Wise ( formerly Transfer Wise ) account ( date unknown - early 2023 ) and the account was deactivated without any reason or notice during XX/XX/2023. On the XXXX of XXXX, 2023, I appealed the decision. The only response I received was an automated response that stated that the Wise team will reach out in XXXX working days. To this date I haven't receive any updates. I asked for an update on the XXXX of XXXX, 2023, no response from Wise. During this time, I registered an XXXX in XXXX and proceeded to open a Wise Business Account under my business email. This account was deactivated ( with funds in the account ) sometime this month, I only realised it when I tried to login on the XXXX of XXXX, 2023. Since it's been about 130 days since my first appeal and still no answer, I decided to contact customer support directly. The initial response was quick, stating that customer support can not provide any info and the only thing that I can do is to appeal. I responded and requested contact information for the manager and/or someone in the appeals department, since the appeals team doesn't respond within the stated 20 working days. I received no response and have asked for and update two times after that, still no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21
Company: Experian Information Solutions Inc.
State: CA
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 contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete. 
The following inquiry is unauthorized : XXXX XXXX XXXX  XXXX, Inquiry : XXXX XXXX, 2019.

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 2023-06-29
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:
Experian has failed to correct the erroneous account information, directly violating my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Refrenced accounts - XXXX # XXXX and XXXX XXXX account # XXXX This is my fifth and final attempt to address this issue before pursuing legal action. I want to emphasize the gravity of the situation and the severe consequences that will follow if Experian does not take immediate action to remove the erroneous account from my credit report. 

I urge Experian to promptly investigate and rectify this issue, adhering to the regulations outlined by the Consumer Financial Protection Bureau ( CFPB ) and the FCRA. Failure to do so will leave me with no choice but to escalate this matter through legal channels and seek appropriate remedies. 

I demand immediate action from Experian to correct the inaccurate information and restore the integrity of my credit report. I expect a timely response to this complaint, acknowledging the receipt of this letter and providing updates on the steps taken to resolve the issue. 

Please be advised that I am prepared to pursue all available legal avenues to protect my rights and seek appropriate compensation for the damages caused by Experian 's negligence.

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 2023-01-07
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:
This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX  XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; US DEPT ED XXXX Balance : {$2200.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-17
Company: Experian Information Solutions Inc.
State: NC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.

Company response to consumer: In progress
Consumer complaint received 2022-11-18
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: Investigation took more than 30 days

Complaint:
Mailed Certified to XXXX/equifaxXXXX and I asked for a verify/and or validate this alleged debt owed to XXXX. XXXX also requested the contract and signature that I provided to XXXX. XXXX ( which I never have had any business with this company ), also they are violating many consumer right code, they are violating my consumer right to privacy pursuant to 15 USC 1681 b this company has NO permission to report anything using my personal info pursuant to 15USC 1681 4. Also they are violating the consumer law by adding interest to this alleged debt This alleged debt is affecting my life and causing hardship, I am unable to move and on the verge of homelessness. 

Consumer rights that are being violated 15 USC 1681 b 15USC 1681 4 fair debt collection practices act, section 809 ( b ) : validating debts b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18
Company: Experian Information Solutions Inc.
State: NJ
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:
An account on my credit report has not properly been reinvestigated XXXX XXXX acct # XXXX according to 15 USC 1666B. I am challenging the timing of this alleged late payment and if you can not validate then please update to paid as agreed, never late

Company response to consumer: In progress
Consumer complaint received 2023-01-16
Company: CREDIT ACCEPTANCE CORPORATION
State: AR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
My car was repossessed XX/XX/2022.

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 2023-01-16
Company: Conn's, Inc.
State: LA
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:
Conns Account with Account # XXXX is not my account I have informed the company of the identity theft situation and the account is still on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Good Day, I sent the 3 credit bureaus letters well over 3 months ago and I haven't heard anything back from them saying they received my letters or anything. I wrote to them back in XXXX and just recently I sent over a 60 non comply letter and still no answer. Also I never authorized any furnishers to report on my credit and what they are doing is illegal and I will have no choice but to fill for litigation because they are in the wrong. Thank you for your time and I hope this get handled quickly.

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 2023-06-29
Company: Resurgent Capital Services L.P.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to bring to your attention that my credit file contains a collection entry from your agency. However, I have never received any prior notification regarding this collection. Furthermore, I strongly believe that the debt being claimed is not accurate. According to the Fair Debt Collection Practices Act, I am entitled to request and receive validation of the debt. Therefore, I kindly request that you provide me with the necessary validation and take appropriate action to rectify this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28
Company: EQUIFAX, INC.
State: OH
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:
XXXX XXXX is reporting on all 3 of my credit reports I never have opened any accounts with XXXX XXXX I reached out to XXXX XXXX asking them to remove this account from my credit reports. They were unable to locate any accounts with any of my information. Was told they are a prepaid card and dont report to credit bureaus but yet they have a account posted on my bureaus that is negative affecting my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02
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: Account status incorrect

Complaint:
I noticed my credit score had dropped over 120points at the end of XX/XX/2019 so I did some further research to determine why. 
XXXX  credit card company automatically applied a XXXX dollar charge for membership renewal in XX/XX/2019. 
The issue is, the credit card charged was never activated by me and no bills of any kind were sent to me, e-mail, letter or otherwise. So XXXX, XXXX, XXXX, XXXX, XXXX and XXXX no communications of any sort were sent to me, all the while accumulating penalty 's and interest. 
I called XXXX and they told me XXXX had to take care of the situation, so back and forth we went. XXXX said they would credit one months interest back as I refused to accept their version. XXXX eventually refunded all monies due and I closed the account and requested all information supplied to the credit agency 's be rescinded. 
As of this date no such action has been taken.

Company response to consumer: Closed with explanation