BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-23
Company: Snow and Sauerteig LLP
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
COLLECTOR IS TRYING COLLECT ON A DEBT INCLUDED IN AND DISCHARGED XX/XX/2018 XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
Company: Medical Data Systems, Inc.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I disputed this account for a variety of reasons, and they have repeatedly verified it to the credit bureaus. They have violated my rights according to HIPPA by sending me information that was purely medical in nature. I don't believe this information should have been used as verification to the credit bureaus as I did not give them permission to share my private medical data with anyone. I am very embarrassed that they would have such a complete history of my medical episodes, and that they would willfully share that information, with anyone, let alone have it themselves.

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 2021-10-21
Company: ACIMA CREDIT, LLC
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: Was not notified of investigation status or results

Complaint:
This is a formal complaint against Acima Credit located in XXXX, UT. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, Acima Credit has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THAT THERE ARE MULTIPLE ACCOUNTS APPEARING ON MY FILE THAT ARE NOT MINE. THE ACCOUNTS LISTED BELOW UNDER ACCOUNTS TO DELETE, ARE NOT MY ACCOUNTS THUS REFER TO ATTACHED IDENTITY THEFT POLICE REPORT. 
I HAVE SENT DISPUTE LETTERS ON XXXX, XXXX, XXXX, XXXX, XXXX AND XXXX BUT TO DATE I HAVE NOT RECEIVED ANY RESPONSE FROM YOUR COMPANY. YOUR FIRM COMMITTED SIX 30 DAY VIOLATIONS IN DIRECT VIOLATION OF THE FCRA STATUTES. PLEASE DELETE THE BELOW ACCOUNTS AND REFER TO THE IDENTITY THEFT POLICE 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 2020-04-28
Company: PORTFOLIO RECOVERY ASSOCIATES INC
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:
To whom it may Concern : I XXXX XXXX notice that on my credit report there was account reflecting being opened on XX/XX/XXXX, with XXXX XXXX online as the creditor I immediately reported this as fraud to all three credit bureaus and also to you guys I would say maybe a month or so after it seemed to had been posted to my credit report back in XXXXI never received a response of the dispute when I first initially disputed the item.I again check my credit report to see that this item continued on my report I again dispute it this time by certified mail I finally received a response XX/XX/XXXX from Portfolio Recovery explaining what the item was etc.My initial certified letter states that this item be removed that i have not open any accounts on or around XX/XX/XXXX of XXXX. This is inaccurate information that's being reporting on my credit report. Regardless of the explanation that this account is a XXXX XXXX XXXX  account this account was never opened or closed XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Inquiries for the same purpose made within a short time frame are generally considered " rate shopping '' and not to be reflected twice on a credit inquiry. 
I did not authorize all of these inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21
Company: AFNI INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
AFNI, Inc. 
XXXX. XXXX XXXX  To : The Office of Registered Agent for AFNI, Inc. 

From : XXXX XXXX XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX XXXX XXXX You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX is authorized to administrate on the XXXX XXXX XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing XXXX XXXX XXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX XXXX XXXX. Courts require your contract for jurisdiction. 

Consumer disputes this debt and ALL claims in accordance of 16 CRF 433.2, Title 15 USC 1692, Regulations Z, Regulations M and ALL applicable UCC Articles. 

If you lack understanding of this paperwork, please forward to your ATTORNEY and LEGAL DEPARTMENT. 




By : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
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:
over the past couple of months, i have requested from all 3 credit bureaus that i need to see verifiable proof of what is being reported is 100 % accurate. i have asked for documents that bear my signature as proof. all 3 credit bureaus have failed to produce any documents or explain to me how these negative accounts on my file were verified and through what manner they were verified. all i am getting is a generic response from them that it was verified, and no reason or explanation on how, or who they spoke with or what documents were provided to verify the negative accounts that i have disputed.

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 2020-04-28
Company: EQUIFAX, 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:
over the past couple of months, i have requested from all 3 credit bureaus that i need to see verifiable proof of what is being reported is 100 % accurate. i have asked for documents that bear my signature as proof. all 3 credit bureaus have failed to produce any documents or explain to me how these negative accounts on my file were verified and through what manner they were verified. all i am getting is a generic response from them that it was verified, and no reason or explanation on how, or who they spoke with or what documents were provided to verify the negative accounts that i have disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
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:
I applied for a credit card and I got denied. I was not told the reason why I got denied, I went home and decided to get a copy of my credit report in XXXX  XXXX and I saw various items that had been open. These items are not mine. Someone has used my information to open up all these fraudulent accounts. Please take them off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17
Company: ERC
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:
A company Enhanced Recovery added a credit collection to my report stating this was opened XXXX of this year and I know which account this is ... it was opened 5 yrs ago or more for air time on a cell phone, and I tried to get them remove some of the erroneous charges on my bill for a long time back then. I had XXXX dispute it and they left on my report ... XXXX removed it from theirs ENHANCED RECOVERY  CO XXXX Original Creditor XXXX Open Date XX/XX/2019 Balance {$1500.00} Contact Information XXXX XXXX XXXX, XXXX, FL XXXX XXXX ( XXXX ) XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10
Company: EQUIFAX, INC.
State: NC
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: Investigation took more than 30 days

Complaint:
I as of late sent dispute letters to XXXX, Equifax, and XXXX  on XX/XX/2021, presently it's XX/XX/2021, and I have still not got any examination results from one of the other Department. The explanation I'm recording this grumbling against them is that Government Law expects them to react within 30 days yet they have neglected to react. prior to agreeing with these Government Guidelines by credit revealing offices are explored by the Federal Trade Commission.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-21
Company: Experian Information Solutions Inc.
State: WA
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:
XXXX XXXX XXXX XXXX is reporting a 30-day late for XX/XX/2018 on my RV loan which is incorrect ( to all 3 credit agencies ). I my payment on XX/XX/XXXX for {$220.00} as I have each month, and received a payment confirmation number. 

XXXX XXXX XXXX XXXX reversed my payment later that day saying the account information was incorrect and did not notify me. The customer service representative I spoke with informed me this happens a lot with their system. They sent me a confirmation email for my payment 's success! I have my confirmation email I received, a screen shot of the payment and reversal if needed. This is severely affecting my credit. I have disputed with the credit bureaus and XXXX XXXX XXXX XXXX just confirms the missed payment info is correct. When I call they provide me with very little information and wont let me speak to anyone in that department specifically.

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 2020-04-28
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Marcus by Goldman Sachs offered a {$100.00} bonus after opening an account and depositing {$10000.00} and maintaining that minimum balance for 60 consecutive days. The promotional bonus would be given within 14 days of fulfilling the bonus requirements. I opened the account on XX/XX/2020 and completed the minimum balance funding on XX/XX/2020. 60 days should be approximately XX/XX/2020. I contacted Marcus by Goldman Sachs today, XX/XX/2020, because I had not received the promotion and was told that I was ineligible for the promotion as they did not have a note of it on my account. Even though I signed up for the offer and completed the terms, Marcus by Goldman Sachs is refusing to honor a promotion that they had advertised.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21
Company: First Investors Servicing Corporation, Atlanta, GA Branch
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Rate shopping improperly reflected as multiple hard inquiries. 
I did not authorize this inquiry. 
I do not recognize this inquiry.

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 2020-04-28
Company: MRS BPO, LLC
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2020 my lender checked my credit ( since I am the middle of my last phase of the closing today!!! But I was rejecting due to an a collection in my credit .This account was paid to my provider XXXX  XXXX on XX/XX/2020. 

I tough was a mistake since I never recieved any notification, I called no complaint officer the manager she cant remove it. But when I ask about the days of report clearly the days doesnt much they never gave me the 30 days notice to either dispute o paid the account was place ( under the superviser statement on XX/XX/2020 they " gave me '' a 45 days before they report in my credit but my credit show otherwise less of 30 days. 

That is completely a violation I paid directly to XXXX XXXX attach proof of the last statement

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I have a total of XXXX  insufficient funds fee from XX/XX/2020 through the present date totaling an amount of {$1000.00}. Due to the coronavirus our household income has reduced dramatically and I am the only person with income in the household. I feel taken advantage of every time I attempt to rectify the situation because I am a senior. I was unaware of the amounts of fees being taken from my Social Security income deposited monthly to Chase. I have been a loyal customer for 10 + years and no other options have ever been presented to me by the customer service and no one ever seems to want to help. Again due to my financial crisis caused by this pandemic, I started looking into my account and noticed all the fees charged to me just in this year alone. 
I feel that the total amount of fees should be refunded as a financial hardship courtesy and other options to avoid these fees should be explained to me. 

XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-21
Company: ENCORE CAPITAL GROUP INC.
State: NY
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:
PLEASE REMOVE 1. Identity Theft 01 XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX Account Number : XXXX This is not mine. 

5. Identity Theft MIDLANDCRE Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21
Company: Exeter Finance Corp.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Rate shopping improperly reflected as multiple hard inquiries. 
I did not authorize this inquiry. 
I do not recognize this inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21
Company: Experian Information Solutions Inc.
State: NY
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 sent multiple letters to the credit bureau asking for validation of my accounts ( XXXX XXXX ACCOUNT # : XXXX, XXXXXXXX XXXX  ACCOUNT # : XXXX ) and have not yet received validation. I believe the information on my credit report regarding these accounts are inaccurate. My first letter mailed out to the credit bureau was dated XX/XX/2021. I have sent reminder letters dated XX/XX/2021 and on XX/XX/2021, a dispute letter dated XX/XX/2021 as well. I am losing my patience and am worried about my credit file reporting inaccurate information that can be affecting my credit worthiness.

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 2020-04-28
Company: WELLS FARGO & COMPANY
State: UT
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 paid off my car in full with a {$16000.00} balance. Wells Fargo failed to apply the funds and close the account. The daily interest continued to accrue. And they never alerted me to the fact that there was an outstanding balance of roughly {$25.00} which they then wrote off. They never told me that there was a discrepancy or gave me an option of paying the additional money to save my otherwise perfect credit. They reported this internal mistake as a write off on my credit. When i call in to discuss what happened, the customer service department acknowledges the time of the additional monies posting after my payoff, but they do not have the authority to approve removing it from my credit account. I have escalated this multiple times to a department that you are not able to talk to, but they have been less then helpful. They continue to report this and negatively impacting my credit

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 2020-04-28
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
After reviewing the credit file from Experian. Noticed credit report has two late payments from XXXX XXXX Auto Account : XXXX Account status Closed Date opened XX/XX/2018 Account type Auto Loan Balance Loan Amount {$0.00} Two late payments display incorrectly. I'm exercising my rights from FCRA to review inaccuracies from credit reporting

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 2021-10-21
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I have been trying to close this account for more than two weeks. I called Kabbage twice and was on hold for over 30 minutes each time. I sent in an email to close my account then the account was locked and I can't log on. I keep getting an email to call them. I emailed them and one representative gave me another number to call and it was an automated system which was a waste of time. I found another number to call and finally spoke with someone who thought it might be closed, but connected me with XXXX XXXX   who said it wasn't closed and to talk to Kabbage. I just want this account closed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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: Investigation took more than 30 days

Complaint:
To Whom This May Concern : I wrote a letter to all 3 Bureaus on ( XX/XX/2021 ) asking them to investigate some accounts. They have failed to respond that the account was verified. I asked for a description of their procedures on ( XX/XX/2021 ) and they have either failed to respond at all, on time or with the information requested.

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