BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-17
Company: Hiday & Ricke, P.A.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I am writing to you in reference of a collection agency that is giving us a very hard time.The collection agency/ attorneys office is so named XXXX & XXXX XXXX. 

They were hired by XXXX XXXX XXXX XXXX XXXX # XXXX Case # XXXX XXXX We do not deny owing this establishment money. 

However, the problem we are having is with the paralegal, XXXX XXXX XXXX. XXXX is refusing to work with us in any manner. She, XXXX XXXX, was called by my husband, day after we received the letter in the mail over this debt. XXXX XXXX asked him how much he can pay monthly, and no matter what he told her, she stated, Come on, you can do better. so she then insistedhe make a monthly bill cost sheet. In which she rushed him through, so he missed a few different payments. She came up with saying {$300.00} a month, XXXX told her that was too much, it was going to set us back each month. XXXX XXXX told him, oh well, adjust your other bills. She, XXXX XXXX, told him oh well you can pay this {$300.00} a month, or we will go to final judgement.. 
XXXX told XXXX this payment is really going to hurt us, can she please work with us, point blank she says No!! 
At a later date, we gt a letter from IRS, informing us we had to pay in. So, once again, XXXX contacted XXXX XXXX, informing us of the IRS payments and we need the payment lowered. Again, she refused. 
So, because of her refusal to work with us, we had to adjust the payment ourselves so we could get gas and groceries. So now she sent us a message telling us, we are in default, and had 2 days to make a {$500.00} payment. for the 2 months we paid {$200.00} plus the {$300.00} for the upcoming month, or we could pay the overall payment which is roughly {$8000.00}. 
We have not missed any payments at all, we have been a cpl days late a cpl times due to the day XXXX check hit the bank. 
XXXX has each email saved that XXXX XXXX has sent him. 
XXXX XXXX sent us a letter on XX/XX/XXXX, mine was in the mail, XXXX was through email.. XXXX has requested again that she rewrite this debt payment, but she hasnt responderd. that was on Friday, XX/XX/XXXX. We have been under so much stress, due to all of this. Even the lady thru IRS, was easier to deal with.. 
Funny thing is, in the letter, she is claiming they have several types of payment plans, but refuses to work with us. If other emails or such are needed, let us know please Thank YOu XXXX & XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
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: Account information incorrect

Complaint:
I cancelled my credit monitoring services with Experian this month. I have XXXX days left to reactivate them, and now I have a ding on my credit from an " overdue bill ''. My Experian report only is showing a newly delinquent gas bill from XXXX XXXX XXXX. The collections company listed is XXXX XXXX, which is self reported as a company that works closely with Experian. I have filed a dispute with Experian on this supposedly overdue amount. Although I can not see the full account number for the gas bill on this account, the first XXXX digits that are visible do not match any gas bills from my previously held accounts ( which were closed in 2020 ). I have not lived in XXXX in a year, which can be proven with last years tax returns, my drivers license, paystubs, etc. I also have not ever received a collections letter from XXXX or any associated company prior to this ping on my credit.

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 2023-01-17
Company: Chime Financial Inc
State: TX
Product: Credit card or prepaid 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:
On the XXXX  day I had contacted them concerning a cosigner to help me and my family get into a house but on the first day they reached out what nothing never did I had to find everything myself and I end up not found a place to stay we're currently in a motel right now so we never found the place I haven't heard anything from them they didn't do anything they stated that they sent out something to the company well I was trying to get a place at but I never heard anything from them so I can explain more later but it's it's basically what happened

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
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:
FCRA violations : inquires not mine XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : accounts not mine XXXX XXXX XXXX XXXX XXXX negative Date opened XX/XX/XXXX Balance {$270.00} Status Account charged off. {$270.00} written off. {$270.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$4200.00} XXXX Account charged off. {$4200.00} written off. {$4200.00} past due as of XX/XX/XXXX. 
XXXXXXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance {$1000.00} Status Account charged off. {$1000.00} written off. {$1000.00} past due as of XX/XX/XXXX. 
XXXXXXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$4300.00} Status Collection account. {$4300.00} past due as of XX/XX/XXXX. 
XXXXXXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$5300.00} Status Collection account. {$5300.00} past due as of XX/XX/XXXX. 
XXXXXXXX XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$5400.00} Status Collection account. {$5400.00} past due as of XX/XX/XXXX. 
XXXXXXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$2000.00} Status Collection account. {$2000.00} past due as of XX/XX/XXXX. 
XXXXXXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$2000.00} Status Collection account. {$2.00}, FCRA violations : payments never late XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Open. 

FCRA violations : not my names XXXX XXXXXXXX FCRA violations : not my addresses XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Resident type Apartment complex XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX type Single family XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX type Single family XXXX XXXX XXXXXXXX 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 2022-10-21
Company: Experian Information Solutions Inc.
State: NC
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 believe that my information was stolen during the Experian data breach. I have incorrect information reporting.

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 2019-04-22
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello, I would like to complain about the debt collection from the agency Midland Credit Management. I was a cosigner for a former friend, who had a XXXX. She opened up an account to make payments on a credit on XX/XX/XXXX with the company, XXXX XXXX, but needed a cosigner just in case the payments were not met. She made it seem like she was responsible enough to make them, so I said yes.I was not aware of the documents and the requirements to be one, and she knew of this and took advantage of the situation and filled out my information. I was not aware she was supposed to hand me documents and she forged my signature. Saying yes to be a cosigner were just words, but it being signed and dated by the actual person or to have it in writing by my permission of course are two different things. What if I had changed my mind? I was young and was only saying it to be a good friend. I was not aware she topped making payments until the debt collection company, XXXX XXXX & XXXX XXXX contacted me in XX/XX/XXXX after she stopped making payments.The debt collectors turned to me and my information and started asking me for payments onXX/XX/XXXX for about {$9800.00}. I have called and spoken to people from Midland Credit and XXXX XXXX. I told them I did not sign any documents pertaining to the documents needed to sign for a cosigner and even disputed the account in XX/XX/XXXX, but it seems like they can not do anything to remove my name and my information from being a cosigner. I reached out to Credit people from XXXX  in XX/XX/XXXX, to explain the situation and they refused to give me any information on the account, even though I am the supposed cosigner, but because I am not the primary account holder, which would be my former friend in debt. They have been sending my letters in the mail with her name on it, asking for {$7500.00} and have called me on several occasions. Also, I do not know the company 's location where she got her XXXX, because they have refused to give me that information as well. Thank you for your time

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2023-01-25
Company: EQUIFAX, INC.
State: NC
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 Fraudulent Accounts on my credit reports for XXXX, Equifax, & XXXX I have disputed these accounts multiple times. 

Fraudulent Account : XXXX XXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Status Chargeoff Past due amount {$0.00} Fraudulent Account : XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Status Chargeoff Past due amount {$0.00} Fraudulent Account : XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Status Late XXXX Days Past due amount {$0.00} Fraudulent Account : XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed Open Status Late XXXX Days Past due amount {$0.00} Fraudulent Account : XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Status Chargeoff Past due amount {$120.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: TRUIST FINANCIAL CORPORATION
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:
In accordance with the Fair Credit Reporting Act, the company listed has violated my federally protected consumer rights to privacy. 

XXXX XXXX, XX/XX/2022.

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 2022-10-21
Company: CITIBANK, N.A.
State: TX
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:
Have Credit card from Citi Bank. I have intentionally kept credit limit at {$800.00}, expecting once the credit limit is reached transactions should be declined. Unfortunately, the credit card allows transactions to exceed the limit. Telephone number for customer service for credit card company is : 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 explanation
Consumer complaint received 2022-12-09
Company: Experian Information Solutions Inc.
State: KY
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and updated : MEDICAL XXXX UTILITY SELF-REPORTED XXXX XXXX SELF-REPORTED XXXX XXXX SELF-REPORTED XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. Itseems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on mycredit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soonas possible XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/2022 ; XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX : {$0.00} ; XXXX XXXX ( Original Creditor XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$280.00} ; XXXX XX/XX/2022.

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 2022-10-21
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I wrote to your company indicating my dispute of information in my credit report. Experian has not responded to my dispute and therefore must update my credit file. The late dates which are actually submitted on my credit report sound very inaccurate or deceptive. You should furnish confirmation that this assumed account was in fact past due and that you have taken the vital practices to be able to appropriately learn more about your allegations. I do not believe I was late on the date you are reporting. Please report the payment status as positive and update the late reporting on this account. 

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 explanation
Consumer complaint received 2023-01-13
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. Itseems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on mycredit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soonas possible XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/2022 ; XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX : {$0.00} ; XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$280.00} ; XXXX XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 submitted a dispute regarding my XXXX account : XXXX. The dispute was resolved by your company in XX/XX/2018. This caused a huge drop in my credit score. I want to know what fields were changed in my credit report on this specific account, after the dispute was solved from your end. What information was edited on this specific account and how it differed from what was reported prior to the dispute. Was the " status updated '' date changed? Was the " charge-off amount '' changed? Was the debt renewed? What additional comments or information was added to this specific account? 

Please reply with all the information that was edited after the dispute was solved.

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 2023-01-18
Company: Paramount GR Holdings, LLC
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I bought a solar/battery back up system for my home. The company that sold me the system is now closed and filed bankruptcy. The system is not as advertised. XXXX is the finance company that my loan is through. 

XXXX will not honor my state Attorney XXXX request to halt loan payments until the bankruptcy is finalized. 

I am making monthly payments on a solar system that does NOT save me any money on my electric bill.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25
Company: WELLS FARGO & COMPANY
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
Hello, We are part of the Wellsfargo class action settlement ; however, we are getting the run-around in a major way. In the fall ( XXXX ), we received a pre-settlement check ( 3 times ) for this class action that we DID NOT cash. We DID NOT accept the settlement amount. We have contracted Wellsfargo by phone and by email, and every time we are told that our inquiry is invalid, either because the lawsuit is for a specific issue, like them opening an account we didn't authorize, or that the lawsuit is closed and therefore we would not be included. At this point, we feel that Wellsfargo is stalling and providing false information on purpose, and we are being stonewalled. 

*In their final response WellsFargo gave us an update/finalize date of XX/XX/23 stating that we would receive payout of class action and/or contact by that date. It is now XXXX and once again WellsFargo is absent from the process.

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 2023-01-25
Company: EQUIFAX, INC.
State: OH
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:
I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over XXXX months.

Company response to consumer: Closed with explanation