BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-05
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX 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.

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 2021-07-17
Company: WELLS FARGO & COMPANY
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. 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. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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 2022-06-14
Company: First Credit Services Inc.
State: RI
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I initiated the MONTH TO MONTH membership XX/XX/XXXX XXXX XXXX XXXX  located at XXXX XXXX XXXX XXXX  Pennsylvania. I spoke to the " manager '' named XXXX. I explained to her that I didnt want to use the Gym equipement but only required the use of the showers. I then explained to her AGAIN that I only required the use of the showers for a month maybe two at the very most. She said yes I could do this on a month to month but I still had to agree to the automatic payment withdrawl from my account. I used the facilities approximately 4 or 5 times!! Each time I was there the bathrooms were not clean .... in fact they were terrible. There was a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.. upon 2 returns to the facility it was still there. Very nauseating to say the least. My final visit there Itold who ever was on duty.. some other unhelpful person.. that I was cancelling my MONTH TO MONTH agreement and he said I would have to talk to XXXX. I then called XXXX and she said I had to come in. To accomadate her wishes I came in. I believe it was the last week of XXXX or first week in XXXX only to have her say that I would have to pay for the whole year because of cancellation. 
Well ... ... ... ..I completely and utterly disagreed with her as to what agreement I had made and which she agreed to. I said FIRST of ALL XXXX! ... ... .I said emphatically in no way shape or form would have agreed to a full year member ship ... .as I SPECIFCALLY SAID I DO NOT WANT A YEARLY MEMBERSHIP. Finally after all this in her infinite wisdom pulled up my account on the computor ( which should have been immediate! ) As to when she finally agreed that in fact YES these were the terms of the agreemnt. To which she offered no apologies what so ever... the only reply was that shes " busy dealing with hundreds of people during a week ''. Which in my opinion is a very poor representation of this company and absolutely the poorest of customer relations. I then after reviewing my bank statements this is what I have for the dates involved. 
XX/XX/XXXX {$49.00} withdrawn for initial agreement XX/XX/XXXX {$29.00} withdrawn for montly agreement XX/XX/XXXX yet YET ANOTHER {$29.00} withdrawn???? 
I then see a charge for another {$29.00} withdrawn from my account on XX/XX/XXXX. 
This is the point as to where I had called my bank and put a STOP payment on my account and the result was a demand payment notice from First Credit Services Inc . 
for the amount of {$260.00}. This is not my bill. They are now trying to scam me out of monies not due to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-23
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT. 

DELETE AND REMOVE. DO NOT REPORT, RE-REPORT, TRANSFER OR SELL. SEND PROOF OF A ORIGINAL CONTRACT BETWEEN ME AND SAID CREDITOR/COLLECTIONS SO THAT I MY INSPECT MY " WET INK ; SIGNATURE. IF NO CONTRACT. NO NEED TO INVESTIGATE, RE-INVESTIGATE PLEASE DELETE, REMOVE AND UPDATE TO ALL 3 CREDIT BEAUS WITH PROOF OF SERVICE.

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 2021-07-17
Company: ENCORE CAPITAL GROUP INC.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Contacted company I have a membership with as well as the creditor who sent a debt collection of {$310.00} on a credit card fraudulently opened or was due to identify theft. I never opened a credit card with XXXX  Wholesale the only card I ever opened with them was a Military Member ID. Neither XXXX or XXXX XXXX can provide me information in regards to the credit card I never applied or authorized and I have no information on my account through XXXX Wholesale

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-22
Company: EQUIFAX, INC.
State: TN
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 sending letters to the credit bureaus for months now and I have repeated myself over and over again. I am extremely concerned about the actions they are having on my life..I am attempting to apply for credit and the accounts are keeping me from moving forward on my transaction.. I do not own XXXX XXXX  XXXX ... Step up CFPB and remove it from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: Chime Financial Inc
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2023 @ XXXX inside XXXX ( XXXX XXXX XXXX XXXX, CA ) I attempted to use a XXXX ATM to withdraw {$40.00}. After entering my pin and all other options the ATM was taking an exceptionally long time to process. As if it was frozen or something. So I asked the XXXX employee ( XXXX ) if the machine has had any problems. He came over and stood their with me and stated he wasnt aware of any issues, but was witnessing it not processing. After about another minute or so it finally said " dispensing cash ''. It dispensed my receipt and sounded as if it was counting the cash for an extended length of time, but the door never came open to dispense and then the screen just flashed back to the main screen you get to begin a new transaction. By this time there was also another XXXX employee ( XXXX ) standing with us as we are all standing there confused scratching our heads. I grabbed the receipt that it dispensed and it showed that the {$40.00} was withdrawn from my account but the three of us saw that it did not dispense and funds at all. As I am asking them who I would call the machine on its own went to a reboot screen or something like it was being restarted or something. At this point XXXX wrote an " out of order '' sign and placed it on the machine. Calling the number on the machine only leads to a recording telling you to contact your financial institution. Well when I reported it to Chime on XX/XX/2023 they initiated a dispute, i submitted my receipt and a statement and within 2 days got a claim denied resolution from them. I opened a rebuttal with them, submitted a selfie pic holding my ID and photo of my ID as per their request and within 12 hours they denied that rebuttal. I never received anything from them showing what their investigation involved. I do know they never tried to contact the witnesses. But if they only go by documents I sent then, yes, it would look as if i received the funds seeing as how that is what the receipt shows. But how can i have a document that shows the machine did not in fact dispense the funds? Since their denial of the rebuttal Chime doesnt reapond to my emails at all. When i call you cant get transferred to the investigation department and the customer service rep you talk to claims they can not see anything in the investigation and if i dont have any new documents then they will not do anything else involving this claim. ( Claim # XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
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:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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 am so confused why XXXX XXXX is being reported as late when I always make my payments on time. Please take this error off my credit report. It is unfair when I am paying this account on time

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 2023-09-14
Company: Experian Information Solutions Inc.
State: FL
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:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

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 2019-04-02
Company: NELSON AND KENNARD
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
In order for me to figure out how much I owe them, I requested credit card statements for the life of the account which is from XXXX. I'm not going to take their word on the amount owed since banks are crooks. Initially they sent me XXXX to XXXX statements. I called again and asked I needed all the statements. A few weeks later, they sent me XXXX statements. I called them and requested again I need all the statements and left a message for them. No response back. I called them back two weeks later as I noticed a letter from them in my mailbox showing that they filed a lawsuit and billed me the {$510.00} filing fee for the court. I called them again and asked why is there a lawsuit. They said because there was no settlement. I repeated again I need all statements so that I can figure out how much is owed. The new person that I spoke with which is different than my contact on the forms said he can send out XXXX to XXXX statements and try to get the older ones. He then said once you have them call us so we can figure a plan for you. 

My question is, how can I make any decision if I don't have all the statements showing what I truly owe them? Regardless, I have no details and they file a lawsuit against me. 

That is not right. I should be given all the details needed so that I can make an informed financial decision on the debt I owe them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25
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: Account status incorrect

Complaint:
Regarding XXXX XXXX : This is a cellphone carrier account. Cellphone carriers don't report unless the account is in delinquent or collection status. I've never received any communication via email, mail delivery, or phone notification from XXXX XXXX saying this account was on the verge of going into a Collection Status This closed account has never been in collections, has a XXXXbalance owed on it, and has been closed out.

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 2019-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
I have been sending letters on and off to TransUnion since XX/XX/2019. I have attached all letters sent along with the certified mail receipts. I filed a complaint with the CFPB on XX/XX/2019 ( complaint # XXXX ). TransUnion responded After careful review, we have determined your complaint includes a dispute of information appearing on your credit report ; therefore, we have forwarded your complaint to our customer relations center for processing. You will receive your results within sixty ( 60 ) days from the date you submitted your complaint to the CFPB I am still yet to receive a response for my complaint or a response from any of my dispute letters. TransUnion has not followed through with their responsibilities and I have wasted a significant amount of time trying to get them to respond. This is my last attempt at contacting them before reaching back out to my Lawyer, I have done everything he recommended.

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 2023-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-20
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I opened early this month XX/XX/2023 an Inquire against CITIBANK VISA. XXXX Today I got its response Still stating they can't assist/ help me with this dispute against the merchant for {$1000.00} The reason as they stated is because " The merchant has denied additional request for credit, stating that services were rendered, and support evidence was provided ''. 
So What's about the information I provided you after That I had to go a XXXX merchant to correct the errors done by the First Agent? I had to spend money and Time for the same repair. 

Because it doesn't make Sense having XXXX disputes against the same merchant and you were able to resolve the XXXX Dispute and not this main one. 

In another part of the letter it says. I NEED TO CONTACT THE MERCHANT DIRECTLY OR BY OTHER MEANS TO OBTAIN CREDIT. 

Basically " you are throwing me under the bus '' I stated this because I didn't pay with Cash or Check to the merchant so I can deal directly with them, I paid with a CREDIT CARD you provided me and because of it You supposed to deal directly with them in order to get your money back, By all means even consider legal action against them. 

Under the FAIR CREDIT PROTECTION ACT that's my consumer right I'm invoking at this time I would like to have the CFPB Ombudsman to make CITIBANK VISA To pursue this Dispute even to take legal action against the Merchant bank. Because other ways it would an Indirect way for CITIBANK VISA saying to the consumers as myself " We can't resolve your problem you deal with them, and you need to pay us regardless, Thats your problem not us ''.

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 2023-12-31
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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 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 2023-09-20
Company: Central Portfolio Control Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Electronic communications
Sub-issue: Frequent or repeated messages

Complaint:
I received a text message from a debt collector with my name in regards to a debt collection. I am not aware of this debt and called to verify the debt and to request how they got a hold of my information and what it was in regards to. They refused to inform me and instead asked me to admit that my name in order for me to be given any information on the debt. The problem is, I havent seen anything on my credit report in regards to this debt which is why i asked for information on the debt for verification.

Company response to consumer: Closed with explanation