BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-26
Company: Experian Information Solutions Inc.
State: NC
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 XXXX XXXX XXXX XXXX Nc Last 4 of SSN:XXXX Date : XX/XX/XXXX I recently obtained a copy of my credit report, and you are currently reporting debt to my credit report as allowed under the Fair Debt Collection Practices Act, I am requesting that you allow me to validate the alleged debt. Please provide me with a breakdown of all charges, dates of service, and procedures given including fees associated. 
Additionally, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ), to protect my privacy and medical records from third parties. I do not recall giving permission for ( XXXX XXXX XXXX ) to release my medical information to a third party I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patient 's authorization, therefore my request is twofold and as follows.

Validation of Debt and HIPPA. Authorization Please provide a breakdown of fees including any collection costs and medical charges Provide a copy of my signature with the provider of service to release my medical information to you. Cease any credit bureau reporting until the debt has been validated by me. Please send this information to my mailing address listed above and accept this letter as my formal debt validation request, which I am allowed under the FDCPA Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FIDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the prov of service in connection with this alleged debt. Additionally, reporting of this debt to the credit bureaus prior to allowing them to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from your collection agency. I will await your reply with the above-requested proof. Per the standard you have 30 days in which to respond to this request, or this debt will be considered invalid removal from the credit bureau 's expected or damages will be sought after. 
All accounts in dispute listed below. 

XXXX XXXX XXXX XXXX Balance : {$2000.00}. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX Balance : {$920.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 2023-03-04
Company: Experian Information Solutions Inc.
State: IL
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 countless request to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX PL XXXX, IL XXXX XXXX XXXX XXXX PL XXXX, IL XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$9700.00} XXXX XXXX  XXXX XXXX Balance : {$2900.00} ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$3300.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2021-06-14
Company: SYNCHRONY FINANCIAL
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: Account information incorrect

Complaint:
I have reach out to the creditor and the credit bureaus advising them that the accounts are outdated and Paid in Full. The tradeline should be removed from my credit profile because it exceeds the statue of limitations on credit card and medical debt in the state.

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 2023-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
I wanted to know if you have received all my letters since the month of XXXX because it seems that Im not getting any response nor resolutions from here. Ive been patiently sending you letters. I spent a lot of time, effort, money and energy explaining to you guys my complaints, inquiries and disputes. I never missed to inform you how these inaccuracies affect my scores and my name. I needed resolution and I need your assistance to help me reach out to these Consumer Reporting Agencies.

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 2023-04-05
Company: Global Processing Services, LLC
State: CO
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
XX/XX/ {$380.00} Called relatives about a pending legal matter with a case number and that I needed to call back immediately. 
They called me and left a message. 3 different numbers, one private number. 
They know where I live, and work and will be filing charges against me within 24-48 hours. The caller also stated that they demand a face-to-face interaction, will go to my place of employment ( on VM which is saved ) and will talk to my supervisor, and will visit my home. 
If I paid {$380.00}, they would consider the debt a " charge off. '' Even if I had a debt, it would have occurred in Michigan over 12 years ago. I have lived in Colorado since. Both states ' statute of limitations of 6 years has been met. 
I called 2 of the numbers. Same office, same questions & answers. Both asked for my SSN and DOB. I refused to give either. Said they couldn't release information without those numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30
Company: JPMORGAN CHASE & CO.
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/2019 at approximately XXXX XXXX ( est ) I contacted Chase Bank regarding an email I received and thought it to be suspicious. The email stated that my personal phone number had been deleted from my account and if I did not request this change to contact Chase immediately. I did not request my number to be deleted so I contacted Chase. I spoke with one representative and to a supervisor regarding my concerns. The supervisor for online was XXXX and she could not answer me if this email was indicating fraud on my account. I told her repeatedly that I did not request my number to be removed but she kept saying she could not confirm that it was Chase or someone else that removed my number.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: Experian Information Solutions Inc.
State: PA
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 take appropriate action to investigate and remove them from my credit 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 explanation
Consumer complaint received 2022-10-02
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit act XXXXXXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 15 U.S.C 1681 section 602 A States I have a right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2021-01-15
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: Information belongs to someone else

Complaint:
I Have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!

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 2022-10-14
Company: EQUIFAX, 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 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16
Company: Tower Loan of Mississippi, Inc.
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I received a process of garnishment from XXXX XXXX for the company named XXXX XXXX XXXX XXXX. I had told them several times that I had got injured at work back on XX/XX/XXXX and had been off work since then. I had a XXXX XXXX  on XX/XX/XXXX and on Thursday I had this document delivered to me for garnishment. Several employees from this company have been to my place of residence and was aware of my condition. I just was released by the doctor to return to work on XX/XX/XXXX. The amount that this company is asking for is more than the contract amount that I received. I was given a loan in check form in the amount of {$2000.00} or it could be a few dollars more or less. I had been paying on this loan up until I was injured and I am trying to figure out how could he sue for {$2700.00} when I have indeed been paying on this loan before I became injured. It seems as if this loan company want money that I already paid towards the loan too. And I thought since the pandemic was going on companies are not able to collect on debt.

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 2023-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
Delete all hard inquiries : How you delete everything on your credit report statement : ( collections ) They also violated my rights under 15 U.S.C. 1681 Section 604 A Section 2. The law clearly states the credit bears have 5 ] days to notify me from when they receive my disputes.

They also violated my rights under 5 USC 1681 Section 611 ( 6 ) ( a ) ( i ) ( ii ). The law clearly states if items are found inaccurate or can not be verified the consumer reporting hall prompts delete the information from the file of the consumer. The credit Bureaus never did a preparer investigation according to the FCRA. 
The term investigate consumer report means a consumer report or portion thereof in which information on a consumer 's character general reputation personal characteristics or mode of living is obtained through personal interview with neighbor 's friends, or associates of the consumer reported on or whom he is acquainted or who he may have knowledge concerning such items of information. 
They did not do this. 

XXXX XXXX  Balance updated {$37000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Important dates Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX Important dates Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Delete 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 non-monetary relief
Consumer complaint received 2023-04-06
Company: Genesis FS Card Services, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have filed two police reports due to identity theft. This has been going on for almost 3 years now. A police report was filed with XXXX XXXX XXXX XXXX XXXX in XXXX office when i first discovered the identity theft & then again with the XXXX XXXX XXXX XXXX XXXX in XXXX. A copy of the XXXX XXXX report was sent to the FTC in XXXX, ICE ( FBI ) report was done in XXXX. I have gone to the social security office but was told they can not help me and sent away. Most recently a tag has been registered in my name in the state of Texas & two credit cards taken out in my name. With the newest card account I did contact the creditor directly and spoke with a XXXX she advised they could not do anything until another report was filed with the FTC. Please see both police report number below. case # XXXX : XXXX case # XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: Experian Information Solutions 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 urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great 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 non-monetary relief
Consumer complaint received 2023-05-23
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX  OK XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2021 I deposited a check issued by the Department of Industrial Relations stamped and sealed with The Great Seal Of The United States of California and State of California XXXX MA CPA Treasurer to my account mentioned herewithin Capital One 360 Checking account. Upon successful signing over, submitting photo copies of front and back with proper endorsement to the receiving bank, Capital One 360 Checking account, the account was temporarily adjusted with two installments of {$1000.00} ( pending ) and {$4000.00} ( pending ) with a deposit {$5000.00}. I, XXXX XXXX, later received a email notice that since the check was received after their processing time on Eastern Standard time, the check will be processed the following business day which is why the account now reflects XX/XX/2021 instead of XX/XX/2021. Still to this date and forward, the check has not been issued. This account that has been mentioned herewith is not a newer account less than 30 days but almost a year old. No suspicious activity has never occurred on this account whatsoever nor have I ever made any negative balances that would ring the additional provisioning. Attached hereto you will see Exhibit A, B, and C of Screen shots of the pending transactions. After communicating on the Phone with them directly and even requesting them to no longer process the check which they happily declined as well, I was told that by it being submitted digitally, they supercede the Federal Laws on availability of funds. 
" Banks can delay the availability of funds on Treasury checks when people deposit them into accounts less than 30 days old, or into accounts not owned by the payee. Proceeds from large dollar checks are split, with the first {$5000.00} not subject to delay. But balances in excess of that are held for up to seven business days. '' Again, what seems to be the problem?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I am having ongoing problems with wellfargo often I got claim after claim that I'm at no fault and reimbursed but more how often as we speak I'm fighting they keep double charging my account I have to get three hours repeating my problem to get disconnected told I'm a liar just belittle as if I am not telling truth finally I do claim wait no money get letter I am not at fault and close claiinmbut it I'd happening now I'm at my XXXX XXXX is crazy the tell me no supervisor is around and won't put to fraud or complaint I had bank people tell me they don't see me negative I got proof of the XXXX paid alreadyvgoing on twice I'm totally abudrd hours calling back passed off im noe three claims have to wait for money again what do I do

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 2022-10-14
Company: Consumer Portfolio Services, Inc.
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
Consumer Portfolio Services , IncXXXX hired XXXX & XXXX XXXX XXXX {$12000.00} on a car Consumer Portfolio repossessed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

On XX/XX/2022, XXXXXXXX XXXX XXXX reached out with loan documents and a history transaction in a corrupt file. I responded back requesting the information showing how much the car was sold for via e-mail on XX/XX/2022. 

XXXX & XXXX sent me a notification explaining the settlement conference was canceled, the matter is resolved and the case is dismissed. 

I have never received an accurate balance regarding this account. 

I have disputed it with all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: Experian Information Solutions 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 want to emphasize that I did not authorize the opening of these accounts, and I am convinced that they are fraudulent in nature.

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 2023-05-29
Company: CITIZENS FINANCIAL GROUP, INC.
State: RI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
The Citizens Bank XXXX XXXX Credit Card has stopped allowing online login 's to my account for the better part of a year now, possibly longer. Each time I try to log in, their website claims to send a code to my email which never arrives. The website says to wait a few minutes, check spam, and try again if nothing happens. This is never-ending and is most definitely a predatory way to have customers miss payments and lose sight of their balances. Here is the website : https : XXXX Because I can't log in I can't access my statements since I elected for ( and want to keep for privacy reasons ) paperless statements. I have had this credit card for almost 2 years now ( XXXX opened ). I set up online access to the credit card on XXXX. For as long as I can remember I've had to resort to transferring funds from my Citizens Checking account over to this credit account just to make the payment. This is done through the Transfer feature on my Citizens Bank account. Not only is this a roundabout way to make a simple payment, it also leaves me blind because I can't seem my statements ( nor can I reference them later ). But again, obstructing the customer seems to be a tactic this company is using to make money off us. I recently paid the card down to zero but I am once again blind to any statements.

Company response to consumer: Closed with explanation