BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-06
Company: Experian Information Solutions Inc.
State: CA
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:
The following accounts on my credit report are not mine : XXXXXXXX XXXX XXXXXXXX XXXX {$800.00} XXXX XXXX XXXX XXXX {$420.00} XXXX. XXXX XXXX XXXX XXXX {$260.00} XXXX. XXXX XXXX {$250.00} XXXX XXXX XXXX {$130.00} XXXX. XXXX XXXX {$750.00} XXXX. XXXX {$990.00} I have reported them to Federal Trade commission identity theft report # 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 2023-10-04
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am fighting against Portfolio against 2 accounts that appear on my credit report and they are trying to collect debts on. One is from XXXX XXXX that I have previously disputed with XXXX XXXX XXXX XXXX  got fined XXXX XXXX dollars for fraudulently opening accounts without the consumers knowledge and I have all that information with your company already ( they opened fake credit cards under my name when I only had a checking acct and debit cards, they created fake accounts showing I owed credit card debt then put the collections with Portfolio Recovery. When I submitted evidence that I did not open these accounts they sided with XXXX XXXX which is WRONG ). They did not care to hear the evidence that this was a fraudulent acct ). Now they keep reporting this as a NEW account with the credit bureaus so that the 7 year period begins anew each time I refute the account ). They are also claiming I owe XXXX money when I disputed an account with someone that bought an item from me back in XXXX  for under {$100.00} and claimed the product was faulty ( I used to sell on XXXX XXXX XXXX ). They refused to return the product for a refund but then claimed action against me with XXXX as they paid through paypal. I never got the product back and XXXX fined me about {$90.00} which I disputed. NOW, Portfolio Recovery says I owe them {$910.00} for this disputed amount. Portfolio is a sham company not caring for the truth only trying to scam people for amounts NOT OWED. This predatory practice is unconscionable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: Experian Information Solutions Inc.
State: IL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Experian continues to report negative information longer than 7 years for XXXX XXXX XXXX. XXXX XXXX XXXX have been reporting derogatory information longer than 7 years which goes against FCRA rules. Any derogatory information should be removed after 7 years. Experian is reporting negative information longer than 7 years. Reporting late payment since XX/XX/2016 and refuse to remove negative trade line.

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 2021-04-20
Company: WELLS FARGO & COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
so wells farro credit card closed my account and they didn't tell me whats the reason for them closing the account and my account was in good standing and i've had the account for over 1 year so they never told me why they closed my account so them closing my account ruined my credit as well

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 2023-10-02
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I DO NOT AUTHORIZE THESE INQUIRIES, PLEASE REMOVE. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-16
Company: Experian Information Solutions Inc.
State: NJ
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
XX/XX/XXXX about XXXX was taken from my account due to fraud and which Wells Fargo said it was handled i have papers saying it was fraud yet Im the one who got charged. I am still XXXX in the bank because they wont return it

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 2023-10-06
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I want these accounts to be removed from my credit report because they are not mine and they are hurting me. 

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 explanation
Consumer complaint received 2022-11-23
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act XXXX  XXXX, Account # XXXX has violated my rights. 

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 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

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 2019-12-05
Company: AES/PHEAA
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I recently decided to refinance my federal student loans. On XX/XX/19 FedLoan Servicing received a payoff amount of {$32000.00} from XXXX ( a third party refinancing service ). After receiving this payoff, FedLoan Servicing wiped all history of my payments made though the entire life of my loan. I can not access any payment history through my account. This is very concerning to me. I need access to my payment history for financial records as well as tax information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Public record information inaccurate

Complaint:
Hello my name is XXXX XXXX XXXX I am having problems with Items appearing on my credit report which I have filed a police report indicating this problem. I am also having problems with inconsistency with all three credit bureaus concerning slow credit. I feel myself and my husband have been targeted as minorities and discriminated against. No matter what we do it our credit is slow to move. It took so much for us to buy our house in XXXX, we did what credit experts said to do and still no movement. Actually, it goes back way in XXXX our credit has consistently stayed low. This has had a tremendous negative effect on our ability to obtain credit for our business which we badly needed especially during the pandemic. If not for our XXXX XXXX we would have lost everything. Please look into all three credit bureaus ( XXXX, Transunion and XXXX ) for myself and husband XXXX XXXX. 
XXXX XXXX XXXX ss # XXXX XXXX XXXX ss # 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 2022-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX ; XXXX, XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XX/XX/202XXXX XXXX XXXX XXXXXX/XX/2022 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2023-05-05
Company: BANCO POPULAR DE PUERTO RICO
State: PR
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:
Unauthorized credit inquires and fraudulent accounts opened without my consent. 

Inquires 1 XXXX XXXX XXXX XXXX XXXX 2 ) XXXXXXXX XXXX XXXX XXXX XXXX 3 ) Popular Auto XXXX XXXX 4 ) Popular Auto XXXX XXXX XXXX 5 ) XXXX XXXX XXXX XXXX 6 ) XXXX XXXX XXXX XXXX XXXX XXXX  Accounts 1 ) XXXX XXXX XXXX XXXX XXXX 2 ) XXXX XXXX XXXX XXXX XXXX 3 ) Banco Popular PR XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX ; but I never received a response from them. These items must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX Bankruptcy XXXXXXXX XXXX  XXXX Bankruptcy XXXXXXXX XXXX XXXX XXXX XXXX SELF-REPORTED XXXXXXXX XXXX SELF-REPORTED XXXX XXXX SELF-REPORTED XXXXXXXX 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 2022-11-23
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:
Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX ; but I never received a response from them. These items must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX Bankruptcy XXXXXXXX XXXX  XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX SELF-REPORTED XXXXXXXX XXXX SELF-REPORTED XXXX XXXX SELF-REPORTED XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: FinCo Services Inc DBA Current
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I had a bank account open with current banking online and my bank account was suddenly closed when my account got closed they told me I was going to get a check issued to me because I was receiving my income tax refund to my current account and it was sent to my account on XXXX XXXX Today is XX/XX/2022 I have been sending emails back and fourth since XXXX I had finally received my check and it wasnt for my full amount that it was supposed to be they sent the check and it was for {$640.00} it was suppose to be {$720.00} and the check that was sent was INVAILD!! And I emailed them to let them know the check was invaild and no one has responded to any of my emails since then

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: Upstart Holdings, Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have contacted these companies numerous times and the credit bureau XXXX and provide reports

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09
Company: Bread Financial Holdings, Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: Experian Information Solutions Inc.
State: CA
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:
Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and XXXX XXXX XXXX XXXX were reflected as late payments on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.

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 2023-05-18
Company: Collection Associates, Ltd.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Request For Debt Validation Pursuant to 15 USC 1692g Be Advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act ( FCRA ) [ 15 USC 1692g ] stating your claim is disputed and validation is requested. 
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. 
At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX, or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against and your client for the following : violation of the Fair Credit Reporting Act, violation of the Fair Debt Collection Practices Act, and Defamation of Character ( per se ). 
If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 calendar days to investigate this information, during which time all collection activity shall CEASE and DESIST. 
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of information to a credit reporting repository that could be inaccurate or invalidated. 
If your office fails to respond to this validation request within 30 calendar days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XX/XX/2022 I accepted an offer from fifth third for a balance transfer to the XXXX card with a XXXX percent interest for XXXX months, due to a processing error fifth third is now refusing to honor the rate. 
In early XX/XX/2022 I had an issue with my autopay where it paid the balance on my fifth third twice, deducting the statement balance that I had already paid. This took a long time to resolve due to the unresponsiveness of the branch XXXX at that time, I subsequently stopped the auto pay on the XXXX card because of potential errors and slow response from fifth third. I paid off the balances prior to the transfers so there would be no interest or payment required for the remaining promotional period. 

On XX/XX/2022 I received a notice from fifth third for insufficient funds, stating an auto payment of the full balance on my XXXX card can not be processed because it would overdraw my account for over XXXX to pay a balance that wasnt due for another XXXX months. I immediately contacted fifth third and was told the payment would be stopped. the payment ended up showing as processed then reversed even though there were nowhere near enough funds in my checking account to cover the payment. 

After waiting over a week with no response and contacting fifth third again I was told by fifth third because the payment is perceived by their system as balance paid and new credit issued, they started to charge me interest on the balance transfer and theres no way to remedy the error and refused to honor the XXXX percent rate. 

It's absolutely ridiculous to consider the return credit as new credit issued, I received email communication which i have can forward to you on request form fifth third clearly stating the payment was not made. So how can the act of correcting an error be considered a payoff of existing balance and new credit taken out if there were no funds available complete the payment in the first place?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-14
Company: Credit Bureau of Carbon County
State: WY
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Collection Center, Inc. XXXX XXXX XXXX XXXX Wyoming XXXX. On XX/XX/2020 I called the mentioned company and spoke to XXXX XXXX. I called to pay off debt that was on my credit report. I asked XXXX for proof of debt due to the amounts she said I owed did not sound correct. XXXX explained the medical accounts had interest added on, not once was I told I was paying court cost or attorney fees. I paid {$1700.00} I never received proof of debt as agreed. I was then told I had another medical account for the amount of {$480.00} I told XXXX that I have no knowledge of this account and I need proof I owe this debt. I never received proof and XXXX lied to me saying it was just a clinic visit. On XX/XX/XXXX I called and spoke to XXXX and paid off the account {$480.00}. On XXXX XXXX I received payment transaction history ( not proof of debt ). On the transaction history I found that I was taken advantage of, not only did I pay medical accounts, I was charged for the principal, interest, COURT COST, ATTORNEY FEES. I never received/ served a summons and complaint, and I did not have a judgment entered against me. I have confirmed with the courthouse no action has been taken against me. I will list the amounts : Payment made : XXXX Principal : XXXX Interest : XXXX Court cost : XXXX Attorney Fees : XXXX This company charged me for fraudulent cost.

Company response to consumer: Closed with explanation