BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-17
Company: Experian Information Solutions Inc.
State: GA
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:
I pay off this account and I did there's the same day I paid my other credit card off which was XXXX XXXXXXXX ironically make three months later I see that the account is still open and accumulating late fees in which I did not understand why the account was still open when I asked for it to be closed and pay it completely off way in XX/XX/2022 I don't know what in the scam is going on but these people are refusing to correct this information and forcing me trying to make me pay on this account when I reported back in XXXX maybe XXXX sometime that my card was stolen and I never got a replacement card or anything because I didn't want one because I was under the impression that this account was closed not by the the credit card company but by me because I did not know who had my card and I did not want my credit check up so I gave them the amount of money that I owe on the accounts including the balance they know they are wrong and they refusing to fix this and I need help because I am totally right and I have evidence for that it's up you can check my credit statement from the company and you will see that I have paid this account off these people have XXXX XXXX my credit I never been late on a payment and I have always paid my credit card before it was due and this is how they do me shame on them and also they refuse to and notice that I close my account way back in XXXX when I paid this off and they refusing to pick accurate information in my reports but I have a few to prove that I am tired of the running around when I called the company and fix this something has to be done

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 2023-01-24
Company: WELLS FARGO & COMPANY
State: CO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
My husband XXXX XXXX had a vehicle loan thru Wells Fargo in XXXX and the loan was under my husband 's name and my mother 's name but my husband never received a settlement check ... What do I need to do in order to find out if my mother got a check and not my husband my husband was first on thr loan... we received a letter stating they should be sending us money but that was in XXXX and never received anything ... our phone number is 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 2023-04-06
Company: Experian Information Solutions Inc.
State: GA
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 appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

XXXX XXXX  XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; 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 non-monetary relief
Consumer complaint received 2023-11-14
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My complaint IC system collection XXXX -- -- Sent a collection amount of {$340.00} for equipment owing. to XXXX XXXX XXXX. The collection agency thru XXXX placed it in collection. After contacting XXXX XXXX with XXXX  receipt attach to dispute the claim. XXXX XXXX kept the collection on my credit report. Unfortunately they didn't contact XXXX XXXX XXXX and verify the XXXX receipt. EQuipment was return and my XXXX receipt is there to proof it, so I am requesting XXXX XXXX to remove the collection from my credit report. IC system Collection phone number 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 2023-11-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
A letter was sent to my sibling in regard to a debt collection attempt. The letter required her signature for delivery. We live at the same address but she is not a listed party in regard to this financial matter and has no involvement whatsoever ; it was an inappropriate sharing of my financial information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: EQUIFAX, INC.
State: FL
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 has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2023-10-27
Company: Experian Information Solutions Inc.
State: GA
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:
OFFICIAL CONSUMER COMPLAINT and FORMAL DEMAND a thorough CHECK of the required CERTIFIED COMPLAINT REPORTING OF PHYSICALLY VERIFIED valid, true, accurate, complete, and timely of the reported alleged claims. Furthermore, I challenge you to provide evidence supporting these claims. As a consumer, I have the right to contest the reportability of any information that is deficient in any way. I demand that you promptly and PERMANENTLY delete any alleged claims of inquiries, delinquencies, or derogatory remarks if you are unable, unwilling, or fail to demonstrate lawful evidence as requested throughout this notice. This removal must be carried out without exception or delay. 

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 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 2023-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
Product: Credit reporting, credit repair services, 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 checked my credit report and found a hard inquiry on my credit report from a XXXX bank on XX/XX/2022. I have never done any business with a XXXX bank and do not know why they put a hard inquiry on my credit report. I contacted XXXX Bank and but they never gave me a clear answer why there is a hard inquiry on my credit report and asked me to contact TransUnion to remove the inquiry. I tried to contact TransUnion several times but never reached a real person.

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 2022-03-09
Company: BARCLAYS BANK DELAWARE
State: CO
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: Card was charged for something you did not purchase with the card

Complaint:
I have a Barclays Uber Mastercard. The card expired and I received a new card and did not activate it. I received a very rude call on XX/XX/XXXX that I owed {$700.00} + on the card for uber rides. I went into the system and indeed someone had stolen my card and gone on many trips. The card was expired and also I had the new one and had not activated it so I was not watching the charges. I spoke with Barclays and they assured me they would go through fraud with them. I made a {$71.00} payment to not go to collections as i was in the middle of getting a mortgage and needed to make sure my credit wasn't hurt but this. 
I received letters from Barclays showing that I was not responsible for these charges and they would credit my account. 
Today, I received an email that a payment was due. I went into my account and I still owe for all these charges. What is strange is every charge has a negative below it but they are not crediting me for this. I have wasted XXXX hours on the phone with Barclays, from time to time they disconnect from me and I have to call back. I believe they are not acting in good faith as I have said I want to cancel my card when this is all resolved.

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 2020-07-18
Company: Experian Information Solutions Inc.
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:
Please note that this is not a request for reinvestigation of disputed accounts, but request for evidence under the Fair Credit Reporting Act, Section 609. As per Fair Credit Reporting Act, Section 609 I have the right to request information from credit bureau regarding items that are listed on my consumer credit report : 1. XXXX XXXX XXXX  account # XXXX XXXX. XXXX XXXX Card account XXXX As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature, but have not received any response from the credit bureau 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 2023-05-03
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent certified mail for the company to verify the debt, verify they are legally able to collect the debt. They failed to send any verifiable information with my legal signature. They only sent a downloaded copy of one of my mailed bills

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
Company: EQUIFAX, 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX CARD XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: COMMERCE BANK
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I spoke to the supervisor XXXX XXXX on several occasions but the last time I talked to him was on XX/XX/21 and I told him that I could not pay the amount due that they were charging me interest every month which I was not aware of because I was supposed to be on a hardship program for 3 months and I was also being charged a late fee. He told me that all of the charges would be removed because I was on the hardship from XXXX, XXXX and XXXX. The next bill was due on XX/XX/XXXX and I should be paying {$61.00}. That is what I paid. Now this month I am being charged a {$40.00} late fee again. I call XXXX XXXX and another supervisor named XXXX XXXX. None of them return my calls and I have left several voicemails. Commerce Bank called me and I explained to the lady the problem and she said she would talk to XXXX. He also told me if I went on the payment plan I would pay 2 % of the bill which would be {$140.00} a month and the card would be closed. The problem is that I was only paying {$70.00} because I had the 0 % interest and now the interest is 13.24 %. They want almost {$200.00} a month I cant pay that. I had XXXX XXXX and I had to go to a lot of XXXX and XXXX and I told them I am on a set income. I cant pay {$200.00} a month. I dont know what I can do to have someone work with me to pay a cheaper payment or have the interest or some compromise. I have to be going for appointments the rest of my life because XXXX could return anytime the doctor said. I got real skinny and I have to gain back my strength not worry about 2 people that are supposed to be supervisors but their not working with the customer or returning my calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: Experian Information Solutions Inc.
State: IN
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: Problem with personal statement of dispute

Complaint:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

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 2023-02-03
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: Account information incorrect

Complaint:
To Whom This May Concern, I have spoken with customer service representatives from XXXX XXXX and i was informed that they did not know why the account was reported as late payments received.This is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 
Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 
The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the items must be deleted from the report as soon as possible : Inaccurately reporting Late payments on credit report when all payments were paid on time with XXXX XXXX Account The listed item is completely inaccurate and incomplete, and is a very serious error in reporting. Please delete this misleading information, and supply a corrected credit profile to all creditors who have received a copy within the last 6 months, or the last 3  years for employment purposes. 
Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within 15 days of the completion of your reinvestigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15
Company: CITIBANK, N.A.
State: OH
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: Card was charged for something you did not purchase with the card

Complaint:
I saw fraudulent charges on my Citi credit card statement and immediately called Citi to tell them about the fraudulent charges. There were two charges that were made on my account to XXXX on two consecutive days. The first charge was made on XX/XX/2018 for the amount of XXXX. The second charge, was made on XX/XX/2018 in the amount of {$110.00}. I have NEVER ordered anything from XXXX and when i called Citi i was transferred to a customer service department in XXXX and no one could understand what I was trying to tell them. I had to make them cancel my card because I told them someone had made fraudulent charges on my card. 

I got a letter from Citi saying they would investigate. They investigated and said the charges from XXXX was valid because the merchant said they were delivered in XXXX Florida!!!! I do not live in XXXX Florida and the merchant said the items were received by someone named XXXX XXXXXXXX!!! Last i checked i do not know anyone by that name! nor do I know anyone in XXXX! So, Citi card is trying to make me pay for the charges that I did not authorize, and I am highly upset because I shouldn't have to pay for fraudulent charges! I have been a Citi customer for 23 years and I have never had a problem like this before. I know what I charge to my card! If i had made those charges I would not have called and reported it as FRAUD! Please help!!!

Citi did not do a very good investigation. There were a lot of red flags that all point to fraud, and they have sided with the merchant because the good were delivered. So what if they were delivered! They are fraudulent! There was also an email on the merchant statement from the person who stole my credit card number and it says : XXXX This is not my email address! and with an email with that name, seems like something only criminal would create! 

So someone stole my number, ordered from XXXX, had the items shipped to XXXX Florida and signed for it by the name of XXXX XXXX! Also, they ordered a pair of tennis shoes and SEVEN pairs of some slides! i should not have to pay for these charges!

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 2023-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Please assist with fixing my credit report, see below response from a creditor, they advised that they are unable to pull my TransUnion credit report due to the file being too long, they advised that TransUnion can consolidate and correct. Please see below response from the creditor. 
Hello, It appears that we are unable to pull your credit with Transunion due to your credit file being too long. If you can please get in contact with Transunion so they can consolidate and correct or give us permission to pull credit with XXXX. 

Thank you, XXXX XXXX Loan Consultant XXXX # XXXX Email : XXXX XXXX p : XXXX ext 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