BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-23
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 information incorrect

Complaint:
I have two medical collection accounts on my credit report that are showing the exact same amount from the exact same collections company. The accounts were opened on two different dates and has been disputed as a duplicate. The reporter and credit bureaus keep responding with verified sometimes in less than 24 hours. This should be one item on the report. 

Credit Bureaus : Experian Collection Company : XXXX XXXX XXXX Balance : {$1200.00} Dispute Dates : XX/XX/20 XX/XX/20

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 2020-07-06
Company: Experian Information Solutions Inc.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Dear Sir/Madam, Without my concerned, Since XX/XX/XXXX, The Experian credit report taking money from my account until XX/XX/XXXX. 

Started On XX/XX/XXXX = {$1.00}, XX/XX/XXXX = {$23.00}, XX/XX/XXXX = {$23.00}, XX/XX/XXXX = {$23.00}, XX/XX/XXXX = {$23.00}, XX/XX/XXXX = {$23.00}, XX/XX/XXXX = {$21.00}, XX/XX/XXXX = {$23.00}, XX/XX/XXXX = {$23.00}, XX/XX/XXXX = {$23.00}, XX/XX/XXXX = {$23.00}, XX/XX/XXXX = {$23.00} and XX/XX/XXXX = {$23.00} Total= {$270.00} Last XX/XX/XXXX, I first time when I checked my statement, I found out EXPERIAN CREDIT REPORT XXXX XXXX XXXX *CA was collecting money every month from my account.I never authorized and I never use them for anything.

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 2022-12-16
Company: Gurstel Law Firm, P.C.
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Gurstel Law Firm, with an office in XXXX XXXX, XXXX, has threatened to take me to court over a debt that is now beyond ten years from the original filing. 
I sent a letter clearly and precisely stating Minnesota State Statutes regarding debt collection limitations, but they ignored that. Theyve now claimed theyll take this back to court. 
Im XXXX, due to a major bike wreck. Im living on a limited income. I also deal with XXXX. 
I explained this in my next correspondence, which included a letter of Cease and Desist, which I sent thru the mail with signature confirmation. 

They once again sent a new letter demanding I answer questions for a law suit they claim will go forward. 

They violated the rules set by the State. 

I dont need more stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05
Company: EQUIFAX, INC.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
You will see in my attachment I have no way to verify who or what this debt even is reporting on equifax. What I know for FACT is I owe no medical debt in any way shape or form. 

This account needs to be removed as its not accuracy. It provides nothing in the way of a contact.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 did not consent to, or authorize nor benefit from any of the following inquiries. Please XXXX and remove it. 
XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX/ Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry 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 2023-04-30
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:
XXXX XXXX XXXX XXXX XXXX, XXXX Texas XXXX XXXX You are in direct violation of the Fair Credit reporting Act 15 U.S. Code 1662b - Advertising of downpayments and installments. 
( B ) that a specified downpayment is required in connection with any extension of consumer credit, unless the creditor usually and customarily arranges downpayments in that amount.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-12
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
Account ending XXXX & XXXX On XX/XX/2019 I spoke with XXXX about the numerous incidents in which Chase is sending questionable mail to an address Ive never resided. After speaking with XXXX about my concerns of my information being sent to another address, she recommended that I monitor my credit report. Ive contacted Chase twice by phone and given two sets of answers as to why the XXXX address continues to receive mail directed to me. 

I sent a letter on XX/XX/2019 letter directed to XXXX XXXX in reference to sending my non public information to XXXX XXXX XXXX XXXX CA XXXX. My letter was in reference to account ending in XXXX in which I am being informed of a change in my card. I did not get a response. 

Chase sent a letter to me on XX/XX/2019 confirming that my address on file was always reflected as XXXX XXXX XXXX XXXX CA XXXX. 

I sent a letter on XX/XX/2019 letter directed to Chase Bank USA,  N.A. in reference to sending a Marketing piece to XXXX XXXX XXXX XXXX CA XXXX. I did not receive a response. 

Chase sent a letter to me XX/XX/2019 to XXXX XXXX XXXX XXXX, CA XXXX letting me know that youve updated my address and that you also mailed a letter to my previous address Chase sent a two letter to me XX/XX/2019 to XXXX XXXX XXXX XXXX, CA XXXX, referencing accounts ending in XXXX & XXXX letting me know that youve updated my address and wanting me to verify the request. 

Please have someone respond in writing and assure me that my private credit card information has not been compromised based on Chases actions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-26
Company: TD BANK US HOLDING COMPANY
State: CO
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:
I purchased two XXXX smart phones using XXXX XXXX which is run by TD Bank. I paid both of these phones off in full. 
My wife 's phone had a rebate offer of {$220.00} if we traded-in her previous XXXX phone. 
It was sent as agreed to XXXX in the packaging and box they provided. Although it was mailed in pristine condition ( I have XXXX records showing that it was used until we started using her new phone ), it was severely damaged during the shipment process ( it looked like someone has actually stomped on it and it was totaled ). 
At first XXXX revoked the rebate. I diligently paid the off the {$220.00} debt to TD Bank on XX/XX/2018 while my dispute proceeded forward. However, after I wrote XXXX they agreed to refund the {$220.00} charge. The refund was placed in my XXXX XXXX ( TD Bank ) account. I saw my refund sit in my account for several months in " Pending Transactions '' as a credit to me until I complained about not receiving my refund. I sent TD Bank as proof the email I received from XXXX XXXX refunding my {$220.00} asking for my credit. It of course has now disappeared from " Pending Transactions '' all together now! 
I talked to TD Bank 's customer service at length about this, and the department managers ( note plural ) agreed with me that I had paid the {$220.00}, but that that it was out of their hands. I just want the {$220.00} owed to me. 

Thank you very much!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-27
Company: Bright Capital Inc
State: MD
Product: Debt or credit management
Sub-product: Student loan debt relief
Issue: Didn't provide services promised

Complaint:
I was utilizing Bright Money to help pay my student debts. In dealing with them, I have found that their level customer service ( which is poor and non-existent ) is not what I want in someone whos handling my money or my financial affairs- especially with an important debt like student loans. After numerous emails dating XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX requesting a refund- {$740.00} which has been withdrawn from my personal checking and was held in a account with Bright Money. I cancelled my account with Bright Money on or around XXXX and I have yet to receive my refund of {$740.00}. When you contact them XX/XX/XXXX times, you get an automated VM stating to contact them via email. Then, you if you do manage to get someone ( XXXX ) XXXX they can not do anything and always state theyll escalate your concern to the next higher level. My question is if youre a reputable financial institution, how hard is it to refund someones money when its so easy for you as a company to withdraw the funds from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: WELLS FARGO & COMPANY
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I am a single father in the military. While deployed from XXXX to XXXX, I left my children in the care of my sister with the vehicle I purchased using Wells Fargo Dealer Finance. I continued making payments on the vehicle throughout the deployment. I returned in late XX/XX/XXXX. I was activated again in XXXX. Again, I left my sister in charge of taking care of the payment. Upon my return, I discovered the payments were 60 days past due. Wells Fargo Dealer Finance was threatening me with the repossession of the vehicle. I had pleased and beg them to reconsidered charging off the account. I told them I could restart the payment and took care of the charges that were late. I explained that I was on XXXX XXXX orders and the person I left in charge to make sure the bills were paid did not perform as agreed upon. I was told, the account has been charged off and I would need to pay the charge off amount or the vehicle would be repossessed. I paid almost {$14000.00} they requested and charged off the account. The charged-off account is still on my credit report for which I am paying dearly.

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 2023-09-26
Company: Experian Information Solutions Inc.
State: TN
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 am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2019-10-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
This debt was originally with XXXX XXXX. 
Portfolio Recovery Associates / XXXX has violated FDCPA. They are illegally reporting incorrect information on my credit report and taking advantage of me. I never used their service. XXXX XXXX XXXX was a loan for dental work in XX/XX/15. I signed for a loan and I did not ever receive any dental services, and so I did not use the loan. I was called by the XXXX XXXX, and tried to explain this to the receptionist. It was not resolved and I did not know what to do, so I left it as it was. Later, I received collection notices and I finally got educated on disputing debts on a credit report. So, I wrote a letter to the Debt collector stating that I did not use the loan and would not be paying for services I did not receive. They sent a statement with the loan total, but not an itemized list of any services I received. I responded by writing that this statement did not prove that I received any services. Recently, I received a letter stating that the debt would be dropped if the debt collector did not respond by XX/XX/2019. I have learned my lesson since then, and have taken no other loans out. I had dental work and paid in payments and I have no other debts at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: Experian Information Solutions Inc.
State: VA
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: Their investigation did not fix an error on your report

Complaint:
The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the XXXX credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2023-11-22
Company: EQUIFAX, INC.
State: AL
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 have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On XX/XX/XXXX @ XXXX CST I received a call from a private number saying I was contacted by a " debt dispatch '' company regarding a debt that was about to reach legal action, in the form of a summons. The lady had no information about the debt ( such as amount, type of debt, the company it was associated with or the age of the debt ). However, they gave me a # to call ( XXXX  ) XXXX and a accnt # XXXX. I called the # that was supplied and the gentlemen who answered told me the debt was from bank of America, of which ive never had an account with bank of America, nor have I ever received a letter regarding such a debt or account. The gentleman, who refused to give his name called me " A Liar '' and stated " Legal proceeding were occurring XX/XX/XXXX-XX/XX/XXXX to collect this unheard of debt. Now, I assumed maybe my identity was stolen. Quite possible, but then when I asked for more information, he said " the account # is XXXX, and that it was from bank of America. I asked for the address of his agency, he refused to give that information. All he said was " This is the XXXX XXXX '' As I was concerned because I have great credit, cleaned it up over the past 7 years, I contacted BOA this morning and spoke to a rep who could not verify any of this info. Now I'm filing a complaint and would love to know how my name and number was accessed and why are they saying I owe a debt, when I don't?? especially without ever receiving any written notice for an account if never had?

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 2023-04-30
Company: Experian Information Solutions 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:
I XXXX XXXX the consumer has contacted the reporting agencies and creditor multiple times about this violation. XXXX XXXX XXXX XXXX has reported late payments an transaction on my consumer report without being authorized by me the consumer. As stated in 15 u.s.c 1681 ( 2 ) Exclusions.

Except as provided in paragraph ( 3 ), the term consumer report does not include -- ( A ) subject to section 1681s-3 of this title, any -- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; As you see a late payment will be considered as a transaction.

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 2022-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 USC 1681. 

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 an 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 1681 s-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. 

XXXX - ACCOUNT 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 non-monetary relief
Consumer complaint received 2023-10-24
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The credit card company ( XXXX ) was reporting the month of XX/XX/XXXX  as late on my credit report. After speaking with them about this reporting they reversed the late charge and assured me the reporting would be corrected and suggested I dispute it with experian for faster results on my report. I disputed the reporting with experian and provided documentation showing the reversal for 2 late payments. Experian gave me an update claiming the merchant ( XXXX ) validated the late payment. I then contacted XXXX and they informed me that they have already reversed the late charges and they no longer have it in their account history as a late payment. I contacted experian to inform them of XXXX response and they had me file another dispute with the same documents as the last. It seems neither experian or XXXX can make sense of why this late payment report is still showing so I am contacting you all in hopes of a resolution.

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 2023-10-24
Company: Experian Information Solutions Inc.
State: TX
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 not liable for this debt with XXXX XXXX for {$310.00}. I do not have a contract with XXXX XXXX and was not provided the original contract as requested. My request to remove this illegitimate account from my credit report has already been honored with by another credit bureau XXXX as of XX/XX/2023. Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. This company has no permission to report anything using my personal information pursuant to 15 USC 1681 4.

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