BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-30
Company: Rausch Sturm LLP
State: OK
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This company has not provided validation of the debt, nor proof of purchase for the debt to show that they are authorized to collect on it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: Incomm Holdings Inc.
State: MA
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
- Our son purchased a {$50.00} gift card for us as a Christmas Gift. ( XX/XX/XXXX ) - The first time we activated it was on XX/XX/XXXX. 

- Immediately upon activation, 7 very similar charges popped up, all for just a few dollars, and all within a few cents of each other. ( {$3.00}, {$3.00}, {$3.00}, {$3.00}, {$3.00}, {$3.00}, {$3.00} ) We immediately called customer service to report this, but we were told that they could not officially put in a dispute until 1 month later ( end of cycle?? ). 

- On XX/XX/XXXX, we again called, and an " official '' dispute was entered. 

Also at this time, our account STILL read these charges as PENDING, which seems to indicate that they had not yet been processed ( much like a credit card ). 

- Our card was frozen pending the investigation. 

- We repeatedly called, and got no results until XX/XX/XXXX, of which was a generic letter stating that based on the evidence provided, they could not approve the dispute. The letter had NO phone number to make inquiries. It only stated to email their disputes department for any questions. 

- We called the general customer service number and was told to wait for the new card to be mailed to us, and that it would be for the full {$50.00} amount. 

- The card arrived with only a {$23.00} balance. 

- We emailed the disputes department on XX/XX/XXXX & XX/XX/XXXX, but have received NO response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: EQUIFAX, INC.
State: IL
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 checked my credit report and noticed unauthorized inquiries on my credit profile listed as follows : 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: In progress
Consumer complaint received 2023-10-30
Company: CREDIT WORLD SERVICES, INC.
State: KS
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In accordance with the Fair Credit Reporting act Credit World Services 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 also states a consumer reporting agency can not furnish an account without my written instructions.

This debt collection does not match on all credit reporting bureaus. XXXX has reported it and XXXX has not, proving invalid and inconsistent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Portfolio Recovery Associates , LLC, has been calling me, non-stop, at minimum, five times a day since XX/XX/2023. They NEVER leave a message ( voice mail ). They also have tried using multiple phone numbers, sometimes trying to " spoof '' a local number to trick me into thinking the call is local.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-10
Company: EQUIFAX, 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 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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
My name is spelled XXXX XXXX any other way is in correct There are also addresses on my Report I never lived at. 

I uploaded my XXXX  XXXX bankruptcy discharge letter from XXXX any negative credit reporting before or after should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: Experian Information Solutions Inc.
State: AZ
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've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as unverified information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  & XXXX 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 2018-11-28
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
This is a more important matter than what it may seem because I have excellent credit and have never had a 'past 30 ' or a late pay of any sort in 25 years. HSBC 's inability to correct their mistake has lowered my credit score significantly. I have tried since XX/XX/2018 to get HSCB to  correct this simple error. I have tried by phone, online chat, email and a written dispute with HSBC directly. I have filed this dispute with all major bureaus. My last attempts were between XX/XX/XXXX - XX/XX/XXXX. I  opened their credit card In XXXX and closed it within 5 mos. because HSBC 's online autopay system was unable to process payments. A person has about a 30 % chance of reaching HSBC, hearing a human voice, being routed in less than 3 attempts to the right department, not being disconnected, being given correct advice, or having their issue resolved. HSBC is well aware of the above issues. Out of 387 complaints recorded within a 7-month period of time from XX/XX/2018 -- XX/XX/2018 approximately 80 % were related to the above. I want HSBC to remove the negative mark on my credit ASAP because they were unable to collect my payment automatically from my bank account. I would also like HSBC to directly apologize to me and the 10s of thousands or millions (? ) of other consumers affected by their inexcusable lack of service and concern

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: EQUIFAX, INC.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The fact that I always make timely payments on this account is causing me a great deal of XXXX I have never missed a payment and I am very diligent about it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-07
Company: Nationwide Recovery Systems, Ltd
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I tried to verify any debt I may have had with XXXX XXXX XXXX by calling the company, which is listed as original debtor. XXXX XXXX XXXX told me on the phone that they have never had a debt listed in my name. I tried calling NATIONWIDE RECOVERY SYS. They could not provide me with an original signed document I have with the original debtor. I dont know why its listed on my credit report severally damaging my credit score. I am a XXXX Veteran who suffers from XXXX and living on a fixed income. I'm deeply concerned that this erroneous debt listed in collections on my credit is hindering my future financial or even employment opportunities. I've never owed either company money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-23
Company: CITIBANK, N.A.
State: TX
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:
This issue started when I reserved a room at the XXXX XXXX  in XXXX, Tennessee. My travel plans were altered, and I needed to cancel the room, but I could not find the reservation under XXXX. My normal provider. 
The next event was when a charge appeared on my Citibank Master Card as a charge to XXXX XXXX XXXX. I contacted Citi, and they said I should cancel my card and dispute the claim as fraud. I followed the instructions. I received a new card. 
I received an email from XXXX with a copy of an email confirming my reservation, and I responded that I would be happy to pay for the first night as a no-show, as stated in the hotel 's policy. I contacted Citibank, and they said they understood the problem and that women from the dispute department would contact me. 
My next experience was a letter from Citi saying they had disclosed the dispute because I acknowledged the charge with XXXX. I explained the problem, and an agent tried to open a new dispute. He later told me it was impossible. I called Citi back, and another agent told me she opened another dispute for me. I received communication from Citi saying the new dispute was closed because it was duplicated. I called citi back on XX/XX/XXXX and a representative in Florida named XXXX said she resolved the problem and would call me on the XXXX to confirm. I did not receive a call, so I contacted Citi again and spoke with another agent in Arizona named XXXX. She finally told me there were so many documents in my file that she could not find the one I was referencing and that I should mail or fax a new file to XXXX XXXX XXXX XXXX The issue is simple. I want to pay for one night at the hotel as a no-show as specified in XXXX policy. That seems to be out of the grasp of the Citibank 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 monetary relief
Consumer complaint received 2023-08-10
Company: EQUIFAX, INC.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-21
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On or around XX/XX/2023, I filed an EFTA claim with Wells Fargo Bank in the amount of {$1600.00} against a merchant " XXXX XXXX '' On XX/XX/2023, I called Wells Fargo to inquire regarding the status of my fraud dispute and they told me that they denied my claim because the investigation revealed that I authorized this charge with XXXX XXXX  Please be advised that I provided a police report to Wells Fargo 's fraud department shortly after ( few days ) i filed my claim. I advised Wells Fargo and the police that I suspected my brother of stealing my passport, driver 's license and Wells Fargo debit card and made this unauthorized charge at XXXX XXXX. Thereafter, I called XXXX XXXX and explained to them what had transpired and they provided me with a few sheets of paper that my brother had filled out and signed. The handwriting and signature on this paperwork looks to be my brothers and appears to be a forgery of my signature. I'm asking Wells Fargo to please refund me my money as this is a lot of money and I desperately need it as the holidays are here. I did not authorize that charge at XXXX XXXX. Thank you in advance for your cooperation in this matter and your kind and prompt response.

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 2023-07-28
Company: DISCOVER BANK
State: FL
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 feeling deeply distressed, extremely disappointed, and unwell due to the inaccurate information you provided to the credit bureau regarding the late payments on my consumer reports. This misinformation is damaging my reputation and has a detrimental effect on my health. Late payments, as you know, should not be included in a consumer credit report, as it is against the law. These inaccuracies regarding late payments are a clear violation of the Fair Credit Reporting Act, and I insist that you take immediate action to remove them from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20
Company: Westlake Services, LLC
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I noticed unauthorized inquires on my credit report and wish to have them removed. references include. 
XXXXXXXX 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 15 U.S. Code 1681 section 604 A SECTION 2 15 U.S. Code 1681 section 602 A - Congressional findings and statement of purpose ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

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 2019-09-07
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
in XX/XX/2019, I signed up to put a freeze on my Equifax credit account to prevent fraud. 
Today, XX/XX/2019, I contacted my phone company to add service. They asked if it was OK to check my credit report, using Equifax. I said fine, but I would need to sign in and temporarily unfreeze the account. 
When I went to the " XXXX '' website and signed in with my email address and password, the site responded with an error message, stating to call the customer service number. 
My first call was transferred 3 times, then after 24 minute was disconnected. 
My second attempt, I was routed to and " American agent '' XXXX, who said he would correct the issue. After 53 minutes, he told me that my account does not have enough lenders information to authenticate me, and that I would have to send, by mail, photocopies of my driver license and SS card for authentication, then wait a week or two before Equifax would respond. 

He also told me that it would not help my future attempts to access my account after 30 days, and that I would have to, again resubmit the same information, then wait again for week or two before Equifax would respond. 

Equifax has had an account on me for 32 years with impeccable credit. ( XXXX score ) I have no debt, no car loan, and no mortgage. I have 4 active credit cards paid in full monthly, with NO carried balance. I owe no-one and have no lenders. Other than my credit cards, my residential utilities are all I have as monthly dues. 
These are all listed on my credit history with Equifax. 

The CSR, XXXX, told me, that the only way for me to be able to be authenticated was to have lenders reports in my history and that I needed to take out some loans. He said that, In order for me to access my account ( to enable and disable a freeze ), I have to generate debt. I have worked all my life ( XXXX years old ) to get the monkey off my back, just to have this CSR tell me that the only way I can be authenticated ( to be able to manage my account ) is to take on debt. What kind of XXXX XXXX is that? 

So I am unable to log in to unfreeze the account so the phone company can process the order. Neither was XXXX able to do it. 

With the letter and documents he instructed me to send, It will still take a minimum of a couple weeks, then it will only be good for 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: EQUIFAX, INC.
State: DE
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:
The Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 and following ) requires credit reporting agencies to adopt reasonable procedures for gathering, maintaining, and distributing information. 
1 ) XXXX is reporting inaccurate information across all 3 BURAUS XXXX Equifax and XXXX starting with late payment XX/XX/XXXX late and XX/XX/XXXX late on 2 but 3rd bureau ok never reported under investigation gap on XX/XX/XXXX and XX/XX/XXXX nothing in box date last active all different please remove whole account or show proof of late payment if not update account to ok /good standing asap correct or delete any inaccurate, incomplete, or unverifiable information within 30 or 45 days of receiving notice of your dispute XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-26
Company: Experian Information Solutions Inc.
State: PA
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:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back.

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 2023-07-28
Company: SANTANDER HOLDINGS USA, 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: Account information incorrect

Complaint:
Inaccurate Credit Reporting ( 15 USC 1681s2 ) I am writing this letter to inform you that I have notified the credit bureaus of misreporting by your company in accordance with the Fair Credit Reporting Act. According to which as the furnisher of the information in question, you have a grave responsibility of maintaining the accuracy of that information. 
Account Number : XXXX is reporting a past due amount of XXXX DOLLARS when it is my understanding an reason to believe that because this debt was charged off by you that is was memorialized with a Form 1099C as proof or evidence thereof. And because of that fact, this debt is cancelled and at least should not reflect the balance that is currently showing of XXXX DOLLARS on my consumer file. This is beyond foolish. This would indicate inaccurate reporting on your behalf and therefore is a violation of the FCRA by you the furnisher to continue to report this inaccurate information. Especially with the actual knowledge, notice and confirmation of the errors. I'll be taking this as willful non-compliance by you the furnisher, and pure negligence against me the consumer as you are NOT following reasonable means to assure the maximum accuracy of information in my consumer file. Please provide me with the return of the time and form as prescribed by regulation or the Secretary of my name, my address, my TIN, the date, and amount of the discharged/charged off debt and any other information as prescribed by the Secretary. If not, then I would demand that the account be removed from my credit report completely to avoid any legal recourse or action on behalf of myself by retained counsel.

Company response to consumer: Closed with explanation