BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-06-09
Company: AMERICAN HONDA FINANCE CORP
State: IL
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
I have been an Acura car owner for several years, never once missing a payment, until I tried to sign up for Acura Financial Service 's auto payment on their website in XX/XX/XXXX. Apparently my autopay request did n't go through, even though I saw the confirmation on the website saying everything was complete. 30 days went past and a payment apparently did n't go through, and I never once heard from Acura saying there was an issue ( they claim they did n't have my phone number, even though Acura called me several times regarding another matter ). I finally realized from my bank statement that a payment had n't posted, and called AFS immediately. They said they noticed I tried to set up autopay, but it was still pending.had n't been finalized. I never got a notice stating this previously, through mail, email, phone, etc. I made a one time payment online at that time, AFS released the late fees ( essentially admitting their mistake ), and I finally got the autopay setup properly. I have n't once missed a payment since then. I called them to help me get this one-time error corrected and they refused, very rudely I might add. I spoke with an associate and then a supervisor - both were extremely unhelpful. I understand a late payment needs to be submitted to the bureaus ( even though their attempt to " try and get ahold of me '' to address the issue was laughable ), but they were very unwilling to work with me on having a credit dispute handled in a fair manner. I asked if they could touch base with their tech support team to verify that I had tried to set up autopay, and they were not interested in doing that either. Terrible experience.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This was a lease vehicle that was returned and fully covered. During the time I contacted XXXX when they stated this was due as per the tires and I was told it would be corrected that it was a mistake in the system as I paid for full coverage of all wear and tires within my lease agreement return.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: Kriya Capital, LLC
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My XXXX credit report continues to show an account that I did not open. I filed a police report in 2022 concerning identity fraud related to this and other accounts. 

This account/debt is with CREDENCE RESOURCE MANAGEMENT , a collection agency. 
account # XXXX balance : {$10000.00} XXXX XXXX listed as XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
See attached documents, the personal information you are reporting are not mine.

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 2023-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
i noticed many new inquires on my file... i called they told me the system was down and gave no further assistance

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 2022-12-31
Company: ENCORE CAPITAL GROUP INC.
State: MD
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:
I never recived any documentation from this debtor about legal actions being taken, debts being sold, or sold receivables being transferred to an affiliation of the parent company. I received a wage garnishment judgment that was addressed to a job I have worked at from XXXX - XXXX although my credit report said the debt was from XXXX. Also, the 2 debtors are the same company for different amounts and I have no idea who they are. I never received notice. I have a notice from the court that service was made in XXXX XXXX, MD to me on several occassions but on the dates listed I was at work in XXXX, MD. 
There is no account numbers listed in a correspondence I found through XXXX or listed in the complaints. Also, the debtor locations from the filings are in two states. One of the cases has a request to reissue a summons filed XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-03
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX / XXXX / {$6000.00} XXXX XXXX / XXXX / {$1800.00} XXXX XXXX XXXX XXXX / {$980.00} XXXX XXXX / XXXX XXXX {$1300.00} XXXX CARD / XXXX / {$4200.00} XXXXXXXX XXXX XXXX XXXX / {$0.00} XXXX  / XXXX / {$0.00} XXXX XXXX/ XXXX / {$0.00} XXXX  / XXXX XXXX {$0.00} XXXXXXXX XXXX / XXXX XXXX {$4400.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 2 ) PROMPT NOTICE OF DISPUTE TO FURNISHER OF INFORMATION ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 
( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).

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 2018-04-09
Company: ATG Credit, LLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have already contacted this company to state I never had a contract with them. 
They are stating I owe for things that have already been paid by my insurance company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
See attached documents, the personal information you are reporting are not mine.

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 2023-05-06
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 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. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX  XXXX XXXX XXXX {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX bankruptcy discharged Filed on XX/XX/XXXX Reference number : XXXX Court : U.S. Bankruptcy Court XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/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 2022-01-08
Company: Southwest Recovery Services, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I recently looked into my credit report and found that there was a collection by an agency called Southwest Recovery Services for the amount of {$450.00} for a company called " XXXX XXXX. '' I have never had any contact from or to Southwest Recovery Services, nor have I had any contact from or to XXXX XXXX. Upon further investigation, both companies are located in Texas. I have never lived or even stepped foot into Texas so the idea that I owe money to a power company in Texas is completely unfeasible. Address for the company as on my credit report : SOUTHWEST RECOVERY SERVICES, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. 

On my credit report, the " account '' was opened on XX/XX/XXXX and it went into collections on XX/XX/XXXX. As of today, XX/XX/XXXX, I have filed disputes with the credit bureaus and reported this to XXXX. I have also researched this online and it seems to be a common scam. There are other reports on XXXX with the exact same modus operandi. Other people have reported amounts in the hundreds of dollars on their credit report from Southwest Recovery Services for " XXXX XXXX ''. Clearly, this is fraudulent activity by the company and the fact that they are able to have this validated on my credit report is disgusting. They are trying to intimidate unknowing people into paying hundreds of dollars for a false item that is dragging their credit down.

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 2023-05-30
Company: Experian Information Solutions 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:
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 U.S.C 1681. ACCT Name : XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-06-13
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:
Transunion Credit Bureau is reporting inaccurate inquires on my credit report. 
The below letter was sent certified mail XX/XX/XXXX. 
XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX To Whom It May Concern : The following hard inquiries are FRAUDULENT.Please delete them. Since I have never given permission for them to inquire about my credit status, they are unauthorized by me.

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 2018-05-07
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Sears closed my account with out any notification to me prior to closing the account. 
A week before my card was due to expire, I called customer service and ordered a new card. 
They never mentioned the account was closed. 
The new card arrived after my account was closed with out my knowledge. 
When the new card arrived with the expired card date I called Sears Card Service. 
That is when I was told the account was closed. 
I had a very large amount of rewards points that disappeared when the account was closed. I demanded that they be returned. They quoted me that the request had to be made with in 60 days of the account closing. I was calling less than 1 week after the account was closed, well with in the 60 day period. 
I spent many hours on the phone between three different areas of the credit card company and also the rewards management company. 
They all stated they would follow up with the proper people necessary to restore my rewards points. They lied. That never happened. 
The rewards points have a cash value and I want them restored. 

Now I have another problem. 
I went in person to a Sears store to make my last payment. I now have no valid credit card but, I did have the bottom portion of my statement with my account information. 
I made a {$300.00} payment to the statement that was mailed to me 0n XX/XX/18. 
This week in the mail I received two statements.

One statement has a late charge and no payment shown. 
The other statement shows a {$0.00} balance with a {$300.00} credit. 

I am completely frustrated trying to deal with these people and need your help please. 
I have been trying very hard to restore my good credit rating. This company seems to be doing everything possible to help destroy my credit. 
They are also very dishonest as they promised that my rewards points would be restored. That never happened. No one ever bothered to follow up with my request.

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 2023-07-04
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My XXXX credit card ending in XXXX is showing an opening status on my credit reports. I called the automated system weeks prior to close my account yet the open-status remains on my credit reports.

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 2019-06-18
Company: Experian Information Solutions Inc.
State: TX
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:
two days ago a significant, unknown negative item appeared on my credit report. Experian made no attempt to verify the debt. I filed a complaint and they've done nothing. I confirmed that the alleged debt - reported by XXXX XXXX - was purchased from XXXX XXXX XXXX and is allegedly from 2013 - well past the time I could do anything about it. I have no records and neither XXXX or XXXX can provide any. No effort has been made to collect this alleged debt until now.

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 2023-07-24
Company: EQUIFAX, INC.
State: NY
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:
Hello my name is XXXX XXXX, I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the change. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: EQUIFAX, INC.
State: IN
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 ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please investigate the listed items and correct all errors. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-30
Company: Radius Global Solutions LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I receive at least XXXX phone call a day from this number : XXXX location supposedly, XXXX XXXX FL. 
Eventually, after a couple of months they left a voice mail.I had to call XXXX. He identified himself as XXXX XXXX from Radius Global Solutions. 
Finally, today XX/XX/2022, I answered the call. The same gentleman told me I owed {$240.00} dollars on an XXXX XXXX XXXX XXXX that I had cancelled XXXX years ago after I left my position at The XXXX  XXXX XXXX  XXXX department. He gave me the last XXXX digits of the card ( I have no idea what they were- it was. while ago ) and said the debt had been passed on to his company for collection. 
I told him this was nonsense and hung up.

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 2022-02-03
Company: Experian Information Solutions Inc.
State: TX
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:
On XX/XX/22, I XXXX XXXX attempted to dispute an inaccurate account on my Experian Credit File- The account in question XXXX list wrongful payment balances, amounts & other harmful inaccurate information that drastically affect my ability to acquire credit. I have saught resolution in several instances from Experian, however the account and its more than visible inaccuracies remain on my credit file. Dispite multiple calls to Experian and conversations with supervisors nothing has been done. Per section 501 FCRA I am entitled to written proof as to why this inaccurate account hasnt been removed. If account isnt updated correctly I will litigate Experian

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