BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-10
Company: Centralized Business Solutions Company
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received contacted by a Mr. XXXX, of Centralized Business Solutions Company at XXXX. XXXX XXXX XXXX XXXX, OH XXXX regarding a XXXX medical debt back in XX/XX/XXXX. He reported that I owed a medical bill from XXXX XXXX in the amount of {$140.00}. I never indicated that I owed this debt, but I paid the amount. However, three days ago Mr. XXXX placed this debt on all three of my credit reports indicating that it was a new and unpaid debt of XX/XX/XXXX. I contacted Mr. XXXX and he refused to discuss this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My name is XXXX XXXX. My husband, XXXX XXXX, and I have a joined account of Chase ending in XXXX. Unauthorized personnel ( s ) withdrew money from my checking account ending in XXXX. 
On XXXX XXXX, {XXXX} and {XXXX} were withdrawn without my authorization. 
On XXXX XXXX, {XXXX XXXX and XXXX were withdrawn for three times without my authorization. 
I left the United States on XXXX XXXX, XXXX, for XXXX, and returned on XXXX. XXXX, XXXX. 
My husband left the United States on XXXX XXXX, XXXX, for XXXX, and returned on XXXX XXXX, XXXX. When he returned to the United States, he realized those unauthorized withdrawals, and immediately contacted with bank clerk working in Chase. That chase bank is on XXXX XXXX XXXX, XXXX, NY, XXXX. 
The bank clerk, ID XXXX, who receipts me told me on XXXX XXXX, someone else used checks with signing my name to withdraw {XXXX} first, and then {XXXX}. That bank clerk showed me the check on a computer screen, but I recognized that it is not my signatures. 
Besides, I was told on XXXX XXXX, someone withdrew {XXXX for three times from ATM. These withdrawals were also unauthorized by me. 
The bank clerk reported the case immediately after my husband complained these unauthorized withdrawals. 
However, on XXXX XXXX, a letter was sent to my home stating that the bank denied my request for investigating and reimbursing my account. 
It is clear that my account was withdrawn for multiple by unauthorized personnel ( S ) for multiple times. My ID are not lost or stolen. I completely believe it is the responsibility of the chase bank to ensure the security of my account. I dont understand how others withdrew from my account with using bank check but I have no bank check with me at all, and how others using a fake signature on a fake check to withdraw from my account. 
The bank is not cooperating with my request and acts negatively on my proper requests. I hope CFPB could involve to figure out how I can get my stolen money back. It is the responsibility of the bank to protect my account but since they dont help me, I have no other choice. 
Please contact me if necessary. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: Experian Information Solutions Inc.
State: TX
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. 

XXXX XXXX XXXX # XXXX #, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX # XXXX ), XXXX XXXX XXXX # XXXX ) ; XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX ). 
15 U.S.C 1681 Section 602A. States I have a right to privacy 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 conviction 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 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 2021-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
On XX/XX/2021 I disputed the balance of my mortgage with XXXX XXXX to Transunion through XXXX XXXX. Instead of updating the balance, XXXX XXXX was totally removed from my credit report. I have been going back and forth with XXXX XXXX and Transunion. XXXX XXXX says Transunion has to request information to put XXXX XXXX back onto my credit report and Transunion says the XXXX XXXX has to report my mortgage to Transunion. I was also told by XXXX and by XXXX at Transunion that even if I send a letter to Transunion from XXXX XXXX stating my mortgage is in good standing along with my mortgage statement, they will question the validity of the documents because they are coming from consumer ( me ) and not from actual creditor, XXXX XXXX. Pease help. My credit score is affected.

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 2022-04-03
Company: AmerAssist A/R Solutions, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
PLEASE READ THE ATTACHED DOCUMENTS FOR FURTHER DETAIL OF THE SITUATION. THIS IS A COMPLAINT OF THE VIOLATION OF MY RIGHTS AS A CONSUMER.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25
Company: Experian Information Solutions Inc.
State: AL
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:
In accordance with Fair Credit Act, everything has to be 100 % accurate on my credit report. The credit bureaus said my accounts were properly investigate ; however, there are many inaccuracies such as date opened, number of months ( term ), payment status, and last reported date. This is grounds for removal and they have also violated my rights under 15 U.S. Code 1681. Please remove XXXX Account # XXXX Thank you, 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 2017-03-29
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I asked Experian to investigate the listed accounts on XX/XX/XXXX, my request was granted they immediately started to investigate all accounts listed. Two months passed before I received a update. On XX/XX/XXXX I received my updated credit report stating that XXXX out the XXXX accounts in question we 're deleted. I have uploaded the original request that started the investigation and the updated credit report. I called Experian a few days later because I had a few questions about my credit report and that 's when I was informed that the reason the accounts we 're deleted was because the creditors did not reply in a timely fashion. On that same call I was also informed that on XX/XX/XXXX the XXXX deleted accounts we 're added back because the creditors wrote requesting the accounts added back, even after the allowed time by law had passed. I think Experian broke the FCRA. Please advise.

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 2019-08-08
Company: Experian Information Solutions Inc.
State: IL
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:
XX/XX/2019 received and email alert from Experian that my credit score decreased by 25 points. 
I called them right away and first numerous attempts I could not get past the auto/robo menu. finally figured out how to contact a human but got hung up on 3 times and after that transferred 5 times. 
I asked for a manager and talked to " XXXX '' about my credit score dropping by 25 points for no reason. 
balances were XXXX, no late payments ( always on time ), not crossing the 30 % balance. no new accounts/inquiries nor old accounts that have been closed. 
He informed me that he could not do anything and that I should call all my lenders, FICO and a licensed adviser.

My lenders, FICO and adviser all stated that Experian should definitely be able to look into this and to see why my score dropped so significantly, FICO even mentioned this was incorrect information and 'bogus '. 
I called Experian immediately after all this information. and luckily ( or oddly ) enough I got the same supervisor on the phone and he again stated the same thing and that he could not do anything for me and it's blamed on the FICO ( Fico8 ) algorithm.

" talk to a financial adviser '' Strangely enough my FICO 8 score at other credit report agencies have not seen a huge decrease, they actually remained stable or increased versus what happened at Experian.. 
Tried to call once again for last time to see if I could get any information but to no avail.

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 2023-04-03
Company: Absolute Resolutions Corp.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
After reviewing my credit profile on XX/XX/XXXX. I identified discrepancy with account listed under ABSOLUTE RESOLUTIONS INVESTMENTS and validation was requested as this was an account that I did not recognize. I reviewed my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a 2nd validation letter was sent on this day. After reviewing credit report again on XXXX there have been no updates and account is still reflecting on the report. I do not believe the account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-27
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
In XXXX, without notice, XXXX force closed XXXX of my accounts without any notifications, reason, or consent. When I asked them for a reason, they said I would receive mail detailing the reason ( which I have not received ). They did not tell me I still had a {$25.00} balance on XXXX of them. 

Fast forward today, I noticed a derogatory mark on my XXXX report. I called into XXXX today asking why there was a derogatory mark on my credit report. They initially claimed it was because I failed to make payments for 60 days. When I pressed with information that it was closed in XXXX, they claimed it was closed without my consent for some " internal reasons. '' The account was set up to auto-pay {$25.00} each month until the balance reached XXXX. After running my second to last payment in XXXX, they closed the account with {$25.00} remaining and provided no way for me to see what account was closed, what balance remained, and any methods to pay off the remaining balance. 

XXXX offered to submit a form to expunge this record from my XXXX report, but stated that because it was in collections, I could not pay off the {$25.00} to XXXX but instead needed to go through XXXX to find the collection agency and pay off the balance there. I called XXXX to file a dispute of the record and find the collection agency responsible for the {$25.00} debt. XXXX claimed that the balance was not in collections. 

Lo and behold, XXXX also failed to notify me that they reported the " delinquency '' to Experian as well. Now I am not sure if they reported it to XXXX or any other agencies. After spending an hour with Experian to dispute the mark, I found it ridiculous that I had to clean up XXXX 's mess. This should be XXXX 's responsibility to clean up the mess they caused. They intentionally harmed my credit report and provided no means to settle the remaining balance, which I could happily do right now. 

I am in the process of purchasing a house and XXXX is costing me both opportunity costs and higher interest rates as a result of their mistake. Please CFPB, set XXXX straight.

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 2022-04-29
Company: Experian Information Solutions Inc.
State: TX
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 following companies have violated my rights : Collections XXXX XXXX XXXX Opened XXXX {$300.00} XXXX XXXX Opened XXXX {$990.00} XXXX XXXXXXXX XXXX XXXX Opened XXXX {$1200.00}

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 2022-04-29
Company: EQUIFAX, INC.
State: TX
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 following companies have violated my rights : Collections XXXX XXXX XXXX Opened XXXX {$300.00} XXXX XXXX Opened XXXX {$990.00} XXXX XXXXXXXX XXXX XXXX Opened XXXX {$1200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
Company: BMW Financial Services NA, LLC
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:
THE BMW ACCOUNT WHICH WAS OPENED WITHOUT MY CONSENT DOES NOT BELONG TO ME. I NEVER REQUESTED THIS ACCOUNT TO BE OPENED. SOMEONE STOLE MY INFORMATION AND OPENED THIS FRAUDULENT ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
I sent a letter out to XXXX XXXX to Equifax, Here is my tracking number XXXX however its been more than 30 days and the credit bureaus failed to send me my investigation back .This is not making any sense.

According to the law 15 U.S Code 1681i -procedure in case of disputed accuracy.if the completeness or accuracy of any item of information contained in a consumer 's file at consumer Reporting agency is Disputed by the consumer and the condoner notifies the agency directly.or indirectly though a reseller.of such dispute .the agency shall .free of charge .conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of disputed information.or delete the item from the file in accordance with paragraph ( 5 ) before the end of the 30-days period beginning on the date on which receives the notice of the dispute from the consumer or reseller.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: Experian Information Solutions Inc.
State: NY
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 XXXX  Account # XXXX XXXX XXXX Dept of ED/XXXX  XXXX, XXXX, Ally financial XXXX, U.S. DEPT OF ED - XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as violated my rights.

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

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 2023-09-18
Company: EQUIFAX, INC.
State: NY
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:
This is not accurate. 
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-22
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In 2010 I was involved in a period for loan modification with Wells Fargo. 
I paid payments each month during the process, to the amount of approximately {$10000.00}. 
Initially denied loan after many months. 
Upon complaint was finally refinanced and got new contract adding all money missed back into contract with no mention of {$10000.00}. Ever being applied to balance. 
I am a part of the claim on Wells Fargo Settlement process. 
I have all of the paperwork, letters, correspondence from that time. 
Please contact the settlement claim for me. 
Or tell me how to proceed. My account was sent to 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 2017-02-27
Company: ENCORE CAPITAL GROUP INC.
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Midland Funding , LLC has continually contacted me about a debt I know nothing about. I informed them when they contacted me via phone on XX/XX/XXXX that I had no knowledge of this debt. I had my identity stolen in XX/XX/XXXX, which this could be a result of, but I do not know. This company was hostile toward me when I simply asked them what this debt was for, where it was obtained, when the account was originally opened, and the original creditor. For this reason I sent a certified letter requesting proof of debt, amount, etc. They responded with a letter ( dated XX/XX/XXXX ) stating they were " investigating '' and would provide me a response when finished. As of XX/XX/XXXX I have not received a response, however Midland reported to the credit bureaus on XX/XX/XXXX " Account information disputed by consumer, meets FCRA requirements ''. This is not possible as they have not shown any proof that this debt was indeed incurred by me, or what this debt is for ( loan, credit card, product? ). Even if it was my debt the time allowed by law to report it to the credit bureaus has been exceeded. The letter Midland sent me shows that the debt was charged off from original creditor in XX/XX/XXXX. At the very bottom of the letter sent back to me they included " Because of the age of your debt, we will not sue you for it. If you do not pay the debt, we may continue to report it to the credit reporting agencies as unpaid. ''

Company response to consumer: Closed with non-monetary relief