BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-21
Company: Ability Recovery Services, LLC
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I checked my XXXX report and noticed that I was being penalized for owing a debt that did not belong to me. The representative from XXXX informed me that the debt was in the name of a " XXXX XXXX '' and my name is XXXX XXXX. They told me that I could dispute the claim and that they would get in touch with Ability Recovery Services , LLC to correct the issue. I also called ARS and gave them my name, DOB and Social Security number and they informed that there were no debts that I owed them. They also told me that the " XXXX XXXX '' did not have a birth date nor social security number on file. I received an email from XXXX today saying that ARS replied to my dispute and stated that there was no error and that I owed them money. I am struggling to understand how it is ethical to ruin someone 's credit report when there is no bill with my name, DOB or social security anywhere in their records but they report to XXXX that I owe them money with absolutely no proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: Experian Information Solutions Inc.
State: CA
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:
See the attached documents. I want the bureau to start teh investigation on these accounts on these accounts. I am never been late in this account.

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 2022-09-06
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/2022 at XXXX received missed call from USAA On XX/XX/2022 at XXXX returned call to USAA operator informed me that USAA was closing my account due to an event occurred 6 months prior. I had no problem with terminating business with USAA. 
Afterwards I tried to move my founds to my other Financial Institution and I wasn't even able to log in to my account. 
On XX/XX/2022 at XXXX called back to USAA and talked to XXXX XXXX ( XXXX at XXXX Department ). I told her USAA closed my account and illegally withhold my founds including my XXXX Pay that I need for my monthly bills. She informed me I would received a check within " '' ' '' '60 DAYS!!!!!!!! ' '' '' and that they wouldn't change their mind or was anything else she could do to help me access MY MONEY, then she proceed to hang up on me. 
As I already said I am completely fine terminating my XXXX years with USAA but I am not ok with USAA withholding my founds without previous warning or opportunity to move my founds and putting my credit and whole financial situation in jeopardy. I do not have any overdrafts or delinquencies to justify holding my money and it is illegal to appropriate my founds and play with them for 60 days. I need my bills paid now and that is my money.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: Experian Information Solutions Inc.
State: IL
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 am very disturbed to find public records on my credit report without any apparent reason, and I can not tolerate this. I request you to eliminate these records and update my credit report accordingly.

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 2023-08-11
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:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is 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 2018-02-20
Company: Experian Information Solutions Inc.
State: FL
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 SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XXXX Closed : XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX Closed : XX/XX/XXXX - The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL 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 2023-08-11
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 did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2023-04-13
Company: Radius Global Solutions LLC
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I got a XXXX collection notice in mail today about a lab that I had done. They did not do all the labs that needed done so I had blood drawn 2 time s and they did not send it to insurance first.

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 2022-09-06
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Credit inquiries on your report that you don't recognize

Complaint:
I received a letter from Capital One, XXXX stating they were furnishing inaccurate information on my Consumer Report. After identifying this fraud, I was informed by Capital One, NA that they would be sending a request to the Consumer Reporting Agencies to have this inaccurate information removed. However, it has been over XXXX XXXX and this negative, inaccurate information is being furnished. I contacted the Consumer Reporting Agencies and was informed that they never received the deletion letter. Capital One, XXXX is continuing to ruin my financial reputation and shall be fined {$1000.00} per day upon receipt of this notice for willful and negligent noncompliance pursuant to 15 U.S.C 1681n and 15 U.S.C. 1681o.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-13
Company: SANTANDER HOLDINGS USA, 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: Credit inquiries on your report that you don't recognize

Complaint:
There are inquiries on my credit report that I did not authorize or know anything about. Most of the companies I never heard of. On XX/XX/XXXX I called all companies to ask about the inquiry on my credit reports and they stated that they did not have me in the system and that I was not a client or customer of theirs. I asked for a written form in the mail stating so and they would not comply. I then called XXXX and told them about the issue at hand. They told me that they will submit my complaints in and to wait 30 days for a response but I havent received one. Fast forward to today XX/XX/XXXX I decided to call XXXX again and they couldnt help me so they referred me to CFPB. I first called CFPB at XXXX spoke to the representative and told her what the issue was. As soon as I stated the issue, the rep hung up on me. I say that she ended the call purposely because I provided her with a call back number in case we get disconnected and she never called back. DATE : XX/XX/XXXX COMPANIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Santander Consumer USA XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: Experian Information Solutions 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:
Ive been going back and forth with XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX and Experian information solutions llc since XXXX or XXXX of this year upon looking at my credit report, I tried to explain to them that I am the victim of identity theft and I disputed them two, three maybe four times a week for them to keep coming back telling me the information was verified, XXXX XXXX I sent a copy of my license, informing them that I do not live at that place but to no avail they still sent me the same information back as if it was a robot repeating the process, ive sent you the fair laws in a complaints on all three already im tired of fighting alone I need for all three credit bureaus who violated my privacy to remove all inaccurate information off my credit report Im trying to move and they have my credit report looking like shredded wheat and I dont have that much credit, its not fair to me to keep looking at my credit report seeing closed accounts that were paid for and one account that wasnt mine. Im asking for your help to get those inaccurate reports off of my credit report so I can move on.all three credits bureaus keep sending information to put and keep me in debt but wont help with the real issues..

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 2022-09-06
Company: WELLS FARGO & COMPANY
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Called me more than XXXX times within XXXX consecutive days, Called me within XXXX consecutive days of having had a telephone conversation about the debt, Called me at an inconvenient time before XXXX XXXX  or after XXXX XXXX. I have tried to setup payment plans but financially can't keep up. They call me XXXX times a day.

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 2021-02-13
Company: Santander Consumer USA Holdings Inc.
State: GA
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:
Ive tried to dispute it but its closed and not off my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-01
Company: Square Inc
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Square Recovery contacted me, by letter dated XX/XX/2019, about an unpaid balance on an account. The letter states that there is a negative balance of {$17.00} on the Square account ; and that I agreed to a digital invoice plan but they have not received my payment. Further, the letter stated that the account could be sent to a third-party collector.

I contacted Square after receiving the letter, and told them that I do not have a Square account ; and that I don't have a digital payment plan with them. They stated that I needed to file a police report and contact the FTC.

I did file a police complaint to indicate the fraud ; however, my complaint is against Square for creating a fraudulent account for someone else ; sending past due invoices to my home address ; and stating that they are going to involve a third-party collector for a fraudulent account. I asked them to resolve the balance by closing the account because it does not belong to me or my home address, but they would not.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
after submitting the complaint against Experian, I received a call from them when it was not convenient for me, and I told them. They would not give me any contact information for me to call the back when I was at home with the information in front of me, again resulting with me not being able to file a dispute.

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 2022-09-06
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 accounts have violated my rights : XXXX. XXXX XXXX XXXX {$2100.00} - inaccurate status, remarks and payment history XXXX. XXXX One/Walmart- {$1200.00} - inaccurate status, remarks and payment history XXXX. XXXX XXXX XXXX {$2600.00} XXXX inaccurate status, remarks and payment history XXXX. XXXX XXXX XXXX XXXX XXXX added to account were incorrect XXXX. XXXX XXXX XXXX {$1600.00} - inaccurate status, remarks and payment history XXXX. XXXX XXXX XXXX XXXX {$880.00} - inaccurate status, remarks and payment history XXXX. XXXX XXXX XXXX {$1000.00} - inaccurate status, remarks and payment history XXXX XXXX XXXX XXXX XXXX XXXX {$2200.00} - inaccurate status, remarks, and payment history XXXX. Finwise/OppLoans - {$2800.00} - inaccurate status, remarks and payment history XXXX. XXXX XXXX {$1800.00} - inaccurate status, remarks and payment history XXXX. XXXX Department XXXX- {$3200.00} - inaccurate status, remarks and payment history XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX pay status and payment history XXXX. NC XXXX- {$7400.00} - inaccurate status, remarks and payment history XXXX. XXXX XXXX XXXX- {$9300.00} - inaccurate status, remarks and payment history XXXX. XXXX XXXX- {$4700.00} - inaccurate status, remarks and payment history XXXX. XXXX XXXX XXXX XXXX remarks and payment history XXXX. XXXX XXXX - {$2400.00} - inaccurate pay status, remarks and payment history XXXX. XXXX XXXX XXXX XXXX XXXX {$2700.00} and {$1000.00} - inaccurate pay status, remarks and payment history XXXX. XXXX XXXX XXXX XXXX credit card- {$9700.00} - inaccurate balance and credit limit and payment history XXXX. XXXX XXXX XXXX XXXX XXXX {$660.00} - inaccurate status and payment history XXXX. XXXX XXXX XXXX XXXX XXXX XXXX remarks and payment history 15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681, Section 604-A, Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/2020 I obtain copies of my credit report. I noticed LVNV Funding, LLC were listed as a collection on my credit report. I sent a certified verification letter to the company to verify the debt. I haven't received any correspondence from the company verify the debt that owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: Credit Karma, LLC
State: WI
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:
My student loans are affecting my Credit score on two credit reporting websites including XXXX and XXXX. On credit karma I was pre approved for a credit card by XXXX XXXXXXXX and denied due to my scores reflecting my school student loans that should be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
PORTFOLIO RECOVERY SERVICES is in direct violation of my Consumer Rights. 

They are reporting inaccurate information to my consumer report. 

See attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: Experian Information Solutions Inc.
State: IL
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 recently reviewed a copy of my credit report and noticed the following information regarding to be in error. The Fair Credit Reporting Act EXPERIAN IS REPORTING A BALANCE THAT IS INCORRECT NOR DO I HAVE KNOWLEDGE OF XXXX XXXX XXXX for {$1500.00}. As of XX/XX/2023 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 2022-09-06
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/2022 I was using XXXX through Wells Fargo. I had sold an item on XXXX XXXX and I sent the buyer my information to transfer the amount of {$120.00}. I received an email stating that I needed to send the amount of {$400.00} to upgrade my account to a business account. I didn't question it because it looked like a legitimate email. I then received a second email supposedly from XXXX stating that I needed to deposit an additional {$600.00} because the amount I sent wasn't enough. I replied that I only had {$500.00} and they said it was fine. I would then be credited in the amount of {$1000.00}. I sent the money and they then asked for my banking login credentials so that they could send me the money by verifying me. I then realized that it was a scam and contacted my bank 's fraud department. I had to change my login credentials and my account was closed. I submitted all pertinent email correspondence to my bank showing the spoofed email address and buyer 's contact info. Wells Fargo responded that since I authorized the transfer that I would not get the {$900.00} refunded to my account. I find that this response is egregious and as a banking customer, my money should be protected from all scams, not just ones that I have erroneously sent money to a phishing scam. The whole reason I bank is that my money is secure and in the event of a scam, I should be able to recover any funds that were in sent in error.

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