BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-28
Company: Experian Information Solutions Inc.
State: SC
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 validate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX Balance : {$570.00}, XXXX XXXX XXXX XXXX Balance : {$18000.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$29000.00}, DPT EDXXXX XXXX Balance : {$0.00}

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 2019-03-25
Company: NELSON AND KENNARD
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
NELSON AND KENNARD should be fined for their illegal practices .... I initially contacted them last year asking to validate the judgment from them for XXXX   XXXX. First of all I was never served properly I had no idea about this complaint. I wish to fight the entry of a default judgment obtained based on lack of notice. service of the summons did not result in actual notice in time to defend the lawsuit, the entry of default was the result of " mistake, inadvertance, suprise or excusable neglect ''. I reached out to XXXX XXXX the original creditor who stated they do NOT have any pending dues from me there was no debts to them from me. I served this notice to Nelson and Kennard who ignored the letter and now went through with judgement and garnished my bank account where I receive my social security income. I contacted Nelson and Kennard to inform them that my income is except from garnishment and that XXXX XXXX stated in writing that I do not owe them anything .... they AGAIN ignored my request and now froze my accounts. I contacted DAs offices and now preparing my complaint to them will file this week if this is not resolved and lien this false judgement is not released ... 
NELSON AND KENNARD also issued a false statement to XXXX XXXX in their attemps to renew this debt stating that " LAST PAYMENT WAS RECEIVED ON XX/XX/2017 '' IT IS A LIE, FALSE AND FRAUD. I never made a payment to them this should not be ignored ...

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
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'm sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The items listed below were not mine : XXXX XXXX XXXX XXXX, MA XXXX ; XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$390.00} ; XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
There is a address in XXXX for me on my report. I never lived in XXXX, or had a PO box in XXXX. I lived in Minnesota all my life.

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 2023-02-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I made a dispute about the negative item listed on my credit report by XXXX XXXX. I contacted all three bureau and no reasonable investigation conducted. This company list the account as an open collection account. This item violates the FCRA 15 U.S code 1681b permissible purposes ( 2 ) ( a ) ( i ) ( ii ) the company nor the credit bureau had permission to procure a report. 

A 1099C form the was sent to me by the company, as cancellation of debt in which I had to file as INCOME on my IRS tax return, and cant be considered debt. The 1099C states the this company no longer seeks collection yet they still report it as open debt collection with a different amount the shown on document.

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 2021-12-28
Company: U.S. BANCORP
State: MT
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
My neither, sister and I received {$100.00} XXXX  gift cards for XXXX from our grandmother. The cards were sealed in the packaging and required activation. 

Upon activating, all three cards ( which were mailed to us to separate addresses ) had pending activity prior to activation. One card was completely cashed out. All three had initial transactions at XXXX XXXX, a store we'd never heard of, for XXXX. This was before we ever received them. We also found out another relative, in another state, had also their XXXX gift card maxed out before they ever used it. 

I called XXXX, the number on the card, to alert them and cancel the charge. They stated they couldn't do anything with a pending charge, were very rude ( making remarks about how it was only XXXX on my card ] and when I asked how a sealed card could have charges prior to receipt or activitation, I was told that they don't have a way to know that and that there was no one to escalate my complaint to in order to avoid future fraudulent charges or scams with their product. I was also concerned that any remaining balances are now compromised. The agent offered to cancel my card. I asked to confirm that I would just lose my money if I cancel, and she said yes. That is an unacceptable response to a fraud concern.

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 2022-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Credit inquiries on your report that you don't recognize

Complaint:
When i checked my credit report on XXXX XXXX, i found inquiries I didn't authorize, so I called transunion and told them what was going on, but they did nothing, they didn't even put a fraud alert on my account I would like transunion to do better when it comes to protecting their customers ' account 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 2023-02-18
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: Their investigation did not fix an error on your report

Complaint:
I made a dispute about the negative item listed on my credit report by XXXX XXXX. I contacted all three bureau and no reasonable investigation conducted. This company list the account as an open collection account. This item violates the FCRA 15 U.S code 1681b permissible purposes ( 2 ) ( a ) ( i ) ( ii ) the company nor the credit bureau had permission to procure a report.

A 1099C form the was sent to me by the company, as cancellation of debt in which I had to file as INCOME on my IRS tax return, and cant be considered debt. The 1099C states the this company no longer seeks collection yet they still report it as open debt collection with a different amount the shown on document.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28
Company: Blackhawk Network Holdings Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I was approved for the NYS Excluded Worker 's Fund after being denied regular and Pandemic Unemployment. This comes after being out of work for over 14 months. XXXX Bank XXXX XXXX XXXX XXXX ) sent me a prepaid debit card and I used this card for several transactions related to work including paying overdue bills. I was reviewing my transactions online and noticed that over {$9000.00} was stolen off of my card from merchants in Illinois when I was in New York at the time each and every XXXX of the identity theft charges was made. I sent in the proper forms to XXXX Bank XXXX XXXX XXXX XXXX ) and was assigned Case Number XXXX. I was asked to file an Identity Theft Report which I did and sent in a copy to the XXXX. I also sent in additional evidence explicitly proving that my identity was stolen previously and numerous credit cards were opened in my name with XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX. 

On XX/XX/2021, I received an email from the XXXX stating that my case was resolved and that I would receive another email with the status of the resolution. I was only credited back close to {$900.00} of the over {$9000.00} of fraudulent charges. I did not receive an additional email regarding the resolution. 

Since I was out of work for over 14 months and denied any XXXX related unemployment, approval from the NYS Excluded Worker 's Fund came as a much needed relief to My Family as well as myself. The funds that were stolen off of my card were going to be used to pay our late credit card and other monthly bills including our past due rent. 

I reported all of the fraudulent transactions within the time frame as set forth by applicable law including but not limited to reporting the identity theft charges on the card within 60 days. 

Under applicable law, I request that the XXXX provide me true copies of the documents which were used to investigate these matters.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-07
Company: Experian Information Solutions Inc.
State: TN
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:
XXXX XXXX Complaint XXXX XXXX XXXX XXXX XXXX {$5400.00}, XXXX XXXX XXXX : {$2100.00},, XXXX XXXX XXXX XXXX {$780.00},, XXXX XXXX  {$0.00}, XXXX and XXXX : {$170.00}, XXXX : {$15000.00}, 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 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 non-monetary relief
Consumer complaint received 2021-12-28
Company: MERCHANTS ADJUSTMENT SERVICE, INC.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX reported on XX/XX/2020 COLLECTION AGENCY ; MERCHANTS ADJUSTMENT SERVICE, XXXX XXXX XXXX XXXX, XXXX AL XXXX ; ORIGINAL CREDITOR IS XXXX XXXX XXXX, {$430.00} THE CONTRACT RELATED TO THIS ACCOUNT HAS BEEN CANCELLED!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20
Company: Continental Services Group, Inc. d/b/a ConServe
State: PR
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have a debt with XXXX Dept. of Education because I had a deferment and I divorced an moved to a different part in PR. During that period they use Debt collectors to find me. XXXX XXXX has now my account but they give it to Conserve. Conserve is asking me to make 9 payments of {$5.00}. They asked me for information that I am not willing to give since I am able to pay monthly to XXXX. I asked them to please return my account to XXXX or XXXX XXXX so I can start making my monthly payments but they refuse. I even tried to tell them that I can pay the {$45.00} dollars in XXXX payment to make this fast and they refused. I am able to make the monthly payments to XXXX  again ... I don't like people asking me and harassing me with calls if I don't agree with them with a reason and it should be another company ( XXXX XXXX ) the one contacting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: EQUIFAX, INC.
State: NY
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:
My credit report is showing late payments to XXXXXXXX XXXX XXXXXXXX. XXXX. 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 XXXX XXXX XXXX customer service representative.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-07
Company: EQUIFAX, INC.
State: VA
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:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22
Company: WELLS FARGO & COMPANY
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: Account information incorrect

Complaint:
I had previously reported on my issue with Wells Fargo on another dispute in which they had replied with an attached document and I responded because much of their statement was full of inaccuracies or lies. You folks at CFPB had closed this dispute which should have been further investigated but I had pulled my full Credit report and just noticed some additional inaccuracies or erroneous reporting on behalf of Wells Fargo regarding the dates in which they are reporting when I made payments on this account. 

I am requesting verification of cashed checks or debit transactions from Wells Fargo on these dates in which they claim I made payments on the account in question. I only made a payment in XXXX of 2018 while this account was in dispute and not on any other date. This would prove my claim of Wells Fargo 's erroneous reporting or lies to manipulate clients credit files to solidify their case. There were no payments made from XX/XX/2018 until XX/XX/2018 in which one payment was made and no other payments were made on this account what so ever while in dispute before or after XX/XX/2018.

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 2021-12-28
Company: Resurgent Capital Services L.P.
State: UT
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
A collection was started on a credit card account in XXXX of 2017 i was XXXX  and never received notification of the collection it just appeared on my credit report I have disputed it as well as informing them I am on a XXXX  widows pension and the account was setup with my information but I did not set it up the account was opened XXXX XXXX ( XXXX ) I was XXXX effective XX/XX/2017, i am receiving XXXX  WIDOWS SSA BENEFITS the reason for becoming XXXX  was the death of my husband and I was XXXX for 3yrs

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
This is to inform you that I XXXX XXXX am submitting this complaint and report of ID theft on my own behalf there is no third party involved in this complaint. The following was not submitted in error. This is not a complaint to open or dispute and of the following accounts listed in this here complaint. Pursuant 15 U.S. Code 1681c ( 2 ) ( a ) Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of. Included you will find FTC identity theft report, Identity theft Affidavit, Police Report, copy of ID, Utility Bill and Social Security Card. I ask that you comply with Federal Laws in place, and swiftly and permanently block the accounts, addresses, inquiries, and other information that you are reporting listed on the Identity Theft Report List of Fraudulent Accounts pursuant to FCRA Sections 605B, 615 ( f ) and 623 ( a ) ( 6 ), and mail me a new credit report to my address of record below and place EXTENDED FRAUD ALERTS on my credit report if you have not done so already.

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 2023-05-17
Company: EQUIFAX, 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:
I am requesting that you will make further actions regarding this matter. I called XXXXEquifax after I purchased a credit report from XXXX XXXX on XXXX XXXX XXXX After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there were inaccurate informations on my credit report which are UNKNOWN to me. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time. One of the staff told me to visit https : //www.ftc.gov/ and Report the Fraudulent accounts and have them removed from my credit file. Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The following items needs to remove : XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$180.00} XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$8900.00} ; XXXX XXXX XXXX Balance Owed XXXX {$180.00}.

Company response to consumer: Closed with explanation