BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-30
Company: Harris & Harris, Ltd.
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The debt collection company Harris and Harris out of Illinois was given a medical account from XXXX  XXXX XXXX XXXX in attempt to collection that debt from me. The total amount due was {$710.00}. On XX/XX/XXXX I contact Harris and Harris negotiated a settlement of this debt at a 20 % discount if I paid it over the phone with them immediately. Which I agreed to, gave them my credit card information and paid the negotiated amount of {$570.00} and was told that account with them was settled and would be closed out. 

Since the XX/XX/XXXX date I've received 3 different invoices from Harris and Harris stating my outstanding balance with them is {$140.00} ( the 20 %  discount amount ). I've called them numerous times about the outstanding balance being inaccurate, each time they confirm that the account is settled but was " not properly closed out ''. That is why I am still getting invoices. I also continue to ask about credit reporting and they said No,  this account is settled so it would not be reported. 

Fast forward now to today XX/XX/XXXX, I received an alert on my credit report stating that my first debt collection account has appeared from Harris and Harris on my report showing outstanding balance of the {$140.00}. I again called Harris and Harris today and the assure me the account has been settled as of XX/XX/2018 but wasn't properly closed out. The same message they've been giving me since it was paid. 

I am at my wits end because I am still getting invoiced, now it is on my credit report ( which I am disputing ) but I can not get Harris and Harris to  properly handle this matter and close out my account. I've attached the invoice details, and a copy of the line item from my credit card statement showing payment on XX/XX/18. 

Details on Harris and Harris Address : XXXX XXXX XXXX XXXX, XXXX, IL XXXX Phone : ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Over a decade ago, I was accused of " potentially '' running a business out of my home by JPMorgan Chase Bank. Even though my employer 's DIRECT DEPOSIT checks were going straight to the bank, I was asked to provide evidence that I was not running a potentially troubling business [ long story short ]. At that time, during the questioning I received at a branch, in person, the " red flag '' that was apparently setting off their system was that I had too much " money coming in '' and was also " spending too much money '' [ to the effect of ]. XXXX XXXX  I pay my mortgage and bills [ which I provided full evidence for, although I shouldn't have had to, XXXX XXXX XXXXXXXX ]. 

Finally, they had [ supposedly ] cleared my account and allowed me to continue banking. However, they continued to choose that I was a " risk '' and flagged my account as " undesirable '' without explanation. Whenever I tried to get an explanation, I was told that they didn't need to tell me. I, luckily, had an insider who was willing to show me that this was the case. My account was flagged as that I was curious as to why my account closed and that I was to be told simply that Chase was " exercising its rights '' and didn't " need to provide an explanation. '' My attorney had said I may have a valid complaint, but that it may take many, many years to see it come to fruition. I licked my wounds and bowed out. Someone else didn't. A class action filed against Chase for shutting consumers down without explanation while first insinuating wrongdoing on the consumers ' part was successful. 

I decided that, given the fact that I have a completely clean record, I may try to get a credit card. I applied for an XXXX XXXX XXXX, was approved, given a credit limit and I was off. I also have an auto loan that I am currently and faithfully paying. However, this didn't stop Chase from closing my credit card account, once again, without any explanation other than " previous undesirable relationship. '' I'd really love to know what I did wrong and why they continue to discriminate against my having business with them when the only evidence they can provide to me is " we don't need to provide evidence '' as to why they mistreat consumers with good records.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
Company: Experian Information Solutions Inc.
State: MO
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:
XXXX  ; Experian and XXXX should not be reporting a collection/chargeoff in the amount of {$1100.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account has been sold to XXXX. ( Please see page attached from my credit report. ) It is a violation of the Fair Credit Reporting Act ( FCRA ) to report a duplicate account showing a balance. I contacted XXXX and they can not access to this account and they can not locate any current account information. ( I have attached a copy of my correspondence with XXXX for reference. This XXXX account needs to be deleted from my credit report. This duplicate reporting of a collection/chargeoff is seriously harming my credit score. I have contacted the bureaus to fix this however, I have not been successful.

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 2020-06-12
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
After installing the XXXX  XXXX app my credit reporting was unlocked. The only way to relive it was to subscribe to their service. I tried calling and their IVR hung up after playing a long message. I sent an email and am waiting for a response. This seems like bait and switch or fraud.

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 2017-11-18
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This account have been remove from my credit XXXX XXXX and XXXX its showing on my credit report XXXX with in accurate information showing charge off since XXXX then showing paid in good standing XXXX of XXXX this information is inccurate I dont receive any information from anyone bout this I ask to please remove Santander bank immediately from my XXXX  credit report they are putting false information on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of thing that I have never opened in my life. The thing listed on my applications are not mine please remove these unknown items from my report.

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 2019-05-23
Company: ENCORE CAPITAL GROUP INC.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a garnishment summons around the XX/XX/XXXX from ASSET ACCEPTANCE LLC   COURT FILE NUMBER XXXX XXXX Virginia Court. for {$860.00}. I called this company before my first payroll check was to be garnished on XX/XX/19. I was told I didn't owe that amount instead I was told I owed {$490.00} which I paid the full amount that day with debit card XX/XX/2019 Withdrawal Debit Card MIDLANDCREDITMANAGEMNT - XXXX CA DateXX/XX/19 XXXX XXXX XXXX XXXX {$490.00}. I asked how long it would take for them to send a release to the court so my check wouldn't be garnished and was told they didn't know. My usual take home pay isXXXX. On XX/XX/19 my payroll check was for the amount of {$930.00}, {$350.00} garnished. My next payroll check XX/XX/19 {$930.00}. So far {$700.00} mind you I paid this debt off on XX/XX/19. As of today XX/XX/19 my payroll department has not received a release from the court to stop garnishing my checks. My next payday is XX/XX/19 and if nothing is done they will garnish that check to. 
The wonderful people at MIDLANDCREDITMANAGEMNT told me I would be reimbursed for the amount taken out of my check after debt was paid. I don't belive they will reimburse me unless some type of legal action is taken against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: Experian Information Solutions Inc.
State: GA
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 hope this message finds you well. I am submitting this CFPB Complaint for the 4th time in regards to the removal of the remaining unauthorized inquiries I had in my Experian Credit Report and had previously demanded verifiable proof bearing my signature / electronic signature from the bureau. I will repeat that I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604. This action was initiated without any proof from any of the companies reporting. Once again, these inquiries are not factual since I never authorized them. The FCRA requires Experian Credit Reporting Agency to follow up on these 2 unauthorized inquiries in question or to delete. Again, I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act sec 604 as well as a violation of my rights to privacy. Please remove the listed inquiries and prevent such occurrence from happening. Please see the list of the remaining Inquiries below : EXPERIAN : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022. The FCRA requires the Experian Credit Bureau to remove the remaining selected items within 15 days. The Experian Credit Bureau is obligated by law to remove the inquiries. There is a clear case of unauthorized inquiries here, and I urge the Experian Credit Bureau to remove them before I am forced to take legal action.

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 2023-05-30
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
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 my first class action lawsuits I filled out with CFPB. Sent paperwork that does not have the original signed copy I asked for they sent paperwork that Don't have my signature and the paperwork they sent has stuffed whited out and they only sent 2 of 3 items that is reported on my credit report. This is becoming and inconvenience to me and my credit I been dealing with this over a year so it needs to be removed off my credit report all 3 items and not added back I have sent certified copy 's and they are not doing what I have requested so now I am requesting money for the amount I paid for certified copy 's sent and my time dealing with portfolio recovery who has not done what was asked they are not the original owner of the accounts and they brought the accounts 3 party so no I don't owe them and I wanted off my credit report it is hurting me buy a home They are saying now that Portfolio Recovery Associates LLC now owns my account which this has been changed and now has started a new date on my credit report but been dealing with this for over a year all keep doing is selling this account over and over I am XXXX I can't get this taken care of

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
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:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate items in my report : XXXX  XXXX XXXX XXXX XXXX XXXXXXXX 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/2023

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 2023-05-30
Company: SUNRISE CREDIT SERVICES, INC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In XXXX XXXX XXXXXXXX  SUNRISE CREDIT SERVICE put an account on my credit report. This account was made without my knowledge, and as soon as I was made aware of it I paid it off in full. The representative advised me that they do not report to the credit bureau agencies to delete an account even if it was paid in full. The facts is that I found out about and paid this account all within 10 days, had they made me aware of the account i would have paid it before it was reported. They did not send me a letter and thru my contact with Sunrise Credit Service I know that they had my email address and they did not make any attempts to contact me there either.

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 2023-07-24
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: Information belongs to someone else

Complaint:
I want to inform the 3 Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) 3 CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXXXXXX 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 Balance : {$320.00} ; XXXX XXXX XXXX Balance : {$530.00} ; XXXX XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX Balance : - ; XXXX XXXX Balance : - ; XXXX XXXX Balance : - ; XXXX XXXX Balance : - ; XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXXXXXX Balance : - ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX Balance : - ; XXXX XXXX XXXX XXXX XXXX XXXX Balance : - ; XXXX XXXX XXXX XXXX XXXX XXXX Balance : - ; Bankruptcy XXXX XXXXXXXX Filed on XX/XX/XXXX Reference number : XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXXnquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  Inquired XXXX XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX : XXXX XXXX, XXXX ; XXXX  Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : 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 2023-03-06
Company: Experian Information Solutions Inc.
State: NC
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 confidentially under 15 USC 1681. I know I have the right to fair credit report there is alot of inaccurate information provided also stating that per FCR LAW is valid and that is false. I also know I have a right to privacy and a consumer reporting agency can not furnish a account without my written instructions. I also read that a consumer reporting agency can not furnish a account without my written instructions. 

1-DEPTEDXXXX  ACCOUNT # XXXX 2-DEPTEDXXXX ACCOUNT # XXXX XXXX XXXX, XXXX ACCOUNT # XXXX 4XXXX ACCOUNT # XXXX 5-XXXX  ACCOUNT # XXXX 6XXXX ACCOUNT # XXXX 7XXXX ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXX 9-XXXX XXXX  ACCOUNT # XXXX 10-XXXX XXXX XXXXCCOUNT # XXXX 11-XXXX  XXXX ACCOUNT # XXXX 12-XXXX XXXX  ACCOUNT # XXXX 13XXXX XXXX  XXXX  ( Original Creditor : 11 XXXX XXXX XXXX ACCOUNT # XXXX 14-XXXX  XXXX  ( Original Creditor : 10 XXXX XXXX XXXX ) ACCOUNT # XXXX 15-XXXX  XXXX ( Original Creditor XXXX XXXX XXXX  ) ACCOUNT # XXXX 16-XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX. XXXX ) ACCOUNT # XXXX 17-XXXX  ACCOUNT # XXXX 18-XXXX XXXX ACCOUNT # XXXX 19-XXXX ACCOUNT # XXXX 20-XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX  XXXX ACCOUNT # XXXX 22-XXXX XXXX  ACCOUNT # XXXX 23-XXXX ACCOUNT # XXXX 24-XXXX ACCOUNT # XXXX 25-XXXX  XXXX XXXX ACCOUNT # XXXX 26-XXXX  XXXX - ACCOUNT # 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 2020-06-12
Company: EQUIFAX, INC.
State: AR
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:
This is the first time I have encountered identity theft. I have no idea who could have done this to me. As I pulled my report I saw an outrageous amount of accounts under my name are not mine. Please delete these items from my report. XXXX {$2500.00} XXXX {$1500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I had to be quarantine in my home in XXXX Florida and work from my house and my computer and Purse were in my property and acquaintance of my daughter came over and he was able to get my debit card on my Social Security and credit and look on my computer and my passwords and he used my debit card and it was {$7000.00} and Wells Fargo would not communicate with me they wouldnt let me talk to anybody because I found out what happened and I gave them all the reports and everything and they denied my claim and they also gave me are the run around for two weeks I had Evidence and everything but they still wouldnt let me update would it happen it has been a nightmare

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 2023-07-24
Company: Experian Information Solutions Inc.
State: DE
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:
This is my 2nd request to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$2300.00} XXXX XXXX Balance : {$5500.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX  XXXX XXXX : {$960.00} XXXX XXXX XXXX XXXX Balance : {$190.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX : {$1000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1400.00} XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021

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 2023-07-24
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 see documents Attached

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