BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-07
Company: John C. Heath, Attorney at Law, PLLC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
XXXXXXXX XXXX is frauding me. They're not honoring their own services. I wasn't happy with their service so I asked for my money back XXXX I told them someone else is helping me. Not only did they not pay me my money back, but they send these emails like they're reaching out to me and that's not the case. Beginning of this month they kept charging my card until they were able to get something off if it. A sum of XXXX. I did not authorize this charge by far that they took upon themselves to charge me. It's not right and it's not fair. Due to mistakes on my credit report I been dealing with cfbp on my own over my credit report and removing items that I know not supposed to be there. I want my money back and for them to honor their policy of unsatisfied customer and refund my money on both accounts immediately.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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 accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2023-06-21
Company: EQUIFAX, 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:
When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-25
Company: CAC Financial Corp
State: NM
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
They allege I owe a debt on an account I never had... Anyone in XXXX or XXXX  NM can walk into XXXX XXXX XXXX and use anyones name.. They do not require ID. Where is some proof that i 1 used these services, and two owe this debt.. I have full coverage medical insurance with 0 copay.. If it was me walking into this hospital, my insurance would have covered the entire balance in full. If they continue to make this claim I will take legal action against them as this is fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: Experian Information Solutions Inc.
State: AZ
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:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. The following personal information is incorrect Account Number : EMPLOYER : XXXX 2. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX 3. The following personal information is incorrect Account Number : EMPLOYER : XXXX 4. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX 5. there is some inaccurate information reporting. 
XXXX XXXX Bankruptcy Case Number : XXXX Please remove it from my credit report. 
6. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
7. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX 8. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX 9. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ 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 2021-12-24
Company: EQUIFAX, 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 status incorrect

Complaint:
I recently disputed this account due to inaccuracy and it was REMOVED from Equifax, XXXX, and XXXX. 

The account just reappeared on my credit reports, which now its reporting 90 days of late payments, when the account has been CLOSED prior to XX/XX/2021. 

How does a CLOSED account report late payments? The account is not OPEN, which continues to make this INACCURATE reporting violating the FAIR CREDIT REPORTING ACT. 

This account continues to report inaccurately and MUST be REMOVED from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07
Company: Ad Astra Recovery Services Inc
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I wrote and mailed a dispute letter to XXXX, XXXX, and XXXX in XX/XX/2018 pertaining to a collection account that had been placed on my credit report from the collection company Ad astra recovery service for {$400.00}. XXXX, XXXX, and XXXX responded with a copy of my credit report stating that the account in question was verified by the creditor. Ad astra recovery service did not provide any documents or evidence to verify the account. I sent another dispute letter to XXXX, XXXX, and XXXX in XXXX asking again for proper validation of the debt, and instead of verifying the debt XXXX, XXXX, and XXXX   reported the debt was verified at the previous amount. Of {$400.00}. Under the Fair Debt Collections Practices Act. I have the right to request validation of the debt, therefore I am requesting that you investigate this matter and delete this account from XXXX, XXXX, and XXXX or provide me with physical proof. Such as a signed legal binding contract. Your immediate response will be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
I recently disputed this account due to inaccuracy and it was REMOVED from XXXX, XXXX, and Transunion. 

The account just reappeared on my credit reports, which now its reporting 90 days of late payments, when the account has been CLOSED prior to XX/XX/2021. 

How does a CLOSED account report late payments? The account is not OPEN, which continues to make this INACCURATE reporting violating the FAIR CREDIT REPORTING ACT. 

This account continues to report inaccurately and MUST be REMOVED from my credit report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-24
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: Account status incorrect

Complaint:
I recently disputed this account due to inaccuracy and it was REMOVED from XXXX, Experian, and XXXX. 

The account just reappeared on my credit reports, which now its reporting 90 days of late payments, when the account has been CLOSED prior to XX/XX/2021. 

How does a CLOSED account report late payments? The account is not OPEN, which continues to make this INACCURATE reporting violating the FAIR CREDIT REPORTING ACT. 

This account continues to report inaccurately and MUST be REMOVED from my credit report immediately.

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 2023-10-09
Company: WELLS FARGO & COMPANY
State: AZ
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:
On XX/XX/2023, my Wells Fargo credit card information for my account ending in XXXX was stolen. I have no idea how this information was obtained. They then made the following unauthorized, fraudulent, purchases : XX/XX/2023 {$7400.00} XXXX XXXX XXXX XXXX XXXX, CA XX/XX/2023 {$200.00} XXXX  [ store number XXXX ] XXXX, CA XX/XX/2023 {$50.00} XXXX  [ store number XXXX ] XXXX, CA XX/XX/2023 {$100.00} XXXX [ XXXX ] XXXX, CA XX/XX/2023 {$71.00} XXXX [ XXXX ] XXXX, CA I was unaware of these charges until I checked my balance online and was shocked to see a balance of over {$8000.00} instead of the much lower balance I was expecting to see. 

I contacted Wells Fargo, gave them the all the information they requested, and after much assurance from their representative I assumed they would remove the fraudulent charges. They did not. 

For a short time the fraudulent charges were removed, I do not know the reason. 

On XX/XX/2023 I received my credit card statement in the mail only to discover that the fraudulent charges had been reinstated. 

I contacted Wells Fargo again and was told my information wasn't stolen since I had used the card after the fraudulent charges were made. Since I never claimed to have lost the physical credit card I did not understand this line of reasoning. 

On XX/XX/XXXX & XXXX, XXXX, I reported the fraudulent charges and stolen credit card information to the local police and credit card rating bureaus. On XX/XX/2023, I filed an FTC identity theft report number ( XXXX ). 

I also appealed the Wells Fargo decision, providing them with copies of the above referenced reports on XX/XX/2023 via a fax number provided to me by an employee in the fraud appeal department. 

Again, I waited. On XX/XX/2023, Wells Fargo made their decision I must have authorized the charges I reported as fraudulent. In essence, they told me I had filed false reports with the police, credit bureaus, and the FTC. 

I am well aware that filing false reports is illegal and this is something I would never do.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-24
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:
Multiple accounts in collections that are reported as open accounts showing balances. This is heavily decreasing my credit score and preventing me from being able to get car loans or credit cards. The amounts are more than the original credit card balances and bills and the accounts should be closed and have {$0.00} balance on my credit report. I have attached screenshots from my XXXX, experian, and XXXX 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 explanation
Consumer complaint received 2021-12-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Multiple accounts in collections that are reported as open accounts showing balances. This is heavily decreasing my credit score and preventing me from being able to get car loans or credit cards. The amounts are more than the original credit card balances and bills and the accounts should be closed and have {$0.00} balance on my credit report. I have attached screenshots from my XXXX XXXX, and transunion 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 2023-08-21
Company: LJ Ross Associates
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This dispute is being filed in regards to my numerous attempts to dispute, remove any/all discrepancies associated with this account from my credit report by said furnisher, LJ Ross . 
The following inaccuracies are listed below : - First and foremost I would like to point out the fact that the the original creditor of this account, which is an energy ( utility ) company is located in XXXX, XXXX. I have lived in Arizona ( over XXXX miles away ) for over two years now. So it is quite clear that this debt does not in any shape, form or fashion belong to me. 
-an evident inaccuracy you will see in the attachment below regarding this account is the fact that its only reporting to two out of the three credit bureaus. 
-Another clearly noticeable inaccuracy is the fact that both bureaus have two different dates on which this account " Last Reported '' ( XX/XX/2023 and XX/XX/2023 ) -.and last but not least two different dates on which the " Date Last Active '' is listed ( XX/XX/2023, XX/XX/2023 )

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-24
Company: First Federal Credit Control, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXXXXXX XXXX XXXXXXXX  which is the name of the doctors office I have been a patient at for several years is reporting a collection in the amount of {$270.00} that I know nothing about. I have not had a lapse in insurance coverage. I am currently working for The State of Florida since XX/XX/2014 with no lapse in insurance. Before that I worked for XXXX XXXX XXXX XXXX XXXX  now known as XXXX XXXX XXXX XXXX for 15 years with no lapse in coverage. 

I have filed a dispute on the XXXX XXXX website which they send the response to me that the collection is verified. I am a person who pays ALL my bills on time as my credit report shows. My insurance premiums are deducted from my payroll. I am currently a patient with XXXXXXXX XXXX XXXXXXXX. When I question them they have no idea what I am referring to. 

First Fed Credit Control is the agency listed on my credit report that is handling this for XXXXXXXX XXXX XXXXXXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-24
Company: EQUIFAX, 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:
Multiple accounts in collections that are reported as open accounts showing balances. This is heavily decreasing my credit score and preventing me from being able to get car loans or credit cards. The amounts are more than the original credit card balances and bills and the accounts should be closed and have {$0.00} balance on my credit report. I have attached screenshots from my equifax, XXXX, and XXXX reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.

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 2023-05-17
Company: Experian Information Solutions Inc.
State: CA
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 account # XXXX, XXXXXXXX XXXX account # XXXXXXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXXXXXX XXXX  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 : 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 crime 's 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 2021-12-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Additional options to communicate. Written has been attempted as well. Only provided option by phone though that was earlier issue. Hearing impairment. Earlier attempts have failed. Identity theft report to Bank of America occurred when individual used phone to dial in automated system to change address, led to an overpayment several times and caused a refund that then they used to negate my account. Since I still owe and have failed to resolve. See attachments.

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 2023-05-04
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit 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 account was paid off by my credit union with an overpayment of {$900.00}. The claimed to have sent me 3 refund checks which I received 2. One which they issued a stop payment against which came after I contacted then and I have it in my personal possession and the other one I cashed. I have been trying to resolve this since XX/XX/2022. I received a dispute letter from them XX/XX/2022 saying they'd get back to me in 90 days and I've heard nothing and I've called and have all of the documentation to support my claim. They have been reporting me to the credit union as late and non payment and my credit score has dropped tremendously. Everytime I call I get rerouted and they say they are going to take care of it and they don't. They have ruined my credit. Please get them to do something about this and correct my credit as they have ruined it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-28
Company: Credit Karma, LLC
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I have a spend account with credit karma, and on XX/XX/XXXX there was an unauthorized transaction so credit karma closed my debit card and I have no access to my account. On XX/XX/XXXX I learned that my account was hacked, and someone linked their bank account to my spend account, and they have made over 30 attempts to transfer my money into their account. Credit karma refuses to close my account, and they have repeatedly said they would transfer me to the specialized department and then nothing happens. I have tried to change passwords and email addresses, but the representative at credit Karma told me the hacker has access to my account number and routing number, but they won't freeze my account.

Company response to consumer: Closed with explanation