BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-21
Company: EQUIFAX, 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 a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01
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: Investigation took more than 30 days

Complaint:
To Whom It May Concern : On XX/XX/2020, XXXX, XXXX, and Experian are reporting inaccurate and unverifiable information on my credit report. Please see accounts and its details below that are deemed incorrect on my credit files. 

FOR XXXX  1. The high credit or original amount is being reported inaccurately and inconsistently on all my three bureau reoports. How did this happen when the information is from one and the same creditor? All information must be accurate, verifiable and consistent to all 3 credit bureaus. 
XXXX Account Number : XXXX Please investigate what happened and delete this inaccurate information from my credit file. 
2. The account is a collection/charged off account the balance should be XXXX but I am currently looking a balance in the amount of {$4500.00}. How did you validate this? 
XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

FOR Experian XXXX. The high credit or original amount is being reported inaccurately and inconsistently on all my three bureau reoports. How did this happen when the information is from one and the same creditor? All information must be accurate, verifiable and consistent to all 3 credit bureaus. 
XXXX Account Number : XXXX Please investigate what happened and delete this inaccurate information from my credit file. 
2. The account is a collection/charged off account the balance should be XXXX but I am currently looking a balance in the amount of {$4500.00}. How did you validate this? 
XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

FOR XXXX  1. The high credit or original amount is being reported inaccurately and inconsistently on all my three bureau reoports. How did this happen when the information is from one and the same creditor? All information must be accurate, verifiable and consistent to all 3 credit bureaus. 
XXXX Account Number : XXXX Please investigate what happened and delete this inaccurate information from my credit file. 
2. The account is a collection/charged off account the balance should be XXXX but I am currently looking a balance in the amount of {$4500.00}. How did you validate this? 
XXXX  XXXX Account Number : XXXX Please remove it from my credit 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 2020-12-23
Company: Tritium Card Services, Inc., Naples, FL Branch
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This account is fraudulent my identity was stolen Please take this off of my credit I am unable to get any loans or open up any credit cards due to this issue I am trying to rebuild my credit

Company response to consumer: Untimely response
Consumer complaint received 2018-04-06
Company: Check Recovery Group
State: GA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
On many occasions I have received calls from CRG ( XXXX ) threatening to garnish my wages for a debt. They have numberous voice messages on my cell phone and even left messages or has spoken with my family members and threatened them as well. The most recent voice messages was left on my work voice mail. I returned to call the and spoke with XXXX and she stated that she was working as a mediator for this company and she was trying to help me get this matter resolved before she processes paperwork for garnishment and someone would be delivering warrants to my address. I have check all three credit reporting agencies and I do not have any outstanding debt owed to any company. I have checked with several of the local court systems and they do not have any opened citations related to my name. How do I get these messages ( threats ) to stop?

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-06
Company: American Coradius International LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Hello! I am currently submitting this complaint mainly because I fear that my personal information is being handled incorrectly. I recently received a voicemail from the debt collection company ACI. I understand the way collection efforts work, and I understand that calls are made, voicemails left, etc. But I was in my living room when listening to my voicemails and unfortunately now my roommates all know that I 've got a collection company attempting to collect a debt from me. All the information was flat out released with no concern for privacy. The voicemail included my name, a reference number, and the caller even stated that they were a debt collector, as if to reassure anyone that might be listening. I 'm afraid that if they happen to have any other phone numbers in their system, they may be leaving similar voicemails elsewhere. I 'm already humiliated by the fact that my roommates know that I 've got debts, I really do n't want anyone else to find out about my financial troubles.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-29
Company: WELLS FARGO & COMPANY
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This debt older than 7 years and should be removed from my credit report. I contacted them to inform them, however, they have not removed it. The debt was charged off in XXXX of XXXX -- more than 7 years ago now. They had closed off the account long before this date. 

They claim there was activity on the account in XXXX. This would be impossible since they charged it off in 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 2020-04-23
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I was charged two {$29.00} fees on my Target XXXX for " returned payment '' fees as the autopays had been declined by my bank - one in XXXX and one in XXXX. I have since paid the payments and I called to have the fees returned, as every other creditor is doing in the face of financial hardships due to COVID-19, for moral reasons but also due to guidance from their states and the government. I was told by XXXX ( ID XXXX ) in the Payments Department that Target would not be refunding any fees nor helping in any way regardless of any laws or guidance. He actually said he wouldn't " talk politics '' with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: ROBINHOOD MARKETS INC.
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
In XXXX of XXXX I started working with an online company called XXXX. everything went great for 3 months. I deposited over XXXX dollars in bitcoin. They shut down on XX/XX/2022 and took all my bitcoin with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21
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:
Someone stole my information to obtain a vehicle with my information and now its showing on my credit. It is for XXXX XXXX  for {$3000.00}.

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 2020-02-21
Company: FIRSTBANK PUERTO RICO
State: PR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
In XX/XX/2019, FirstBank PR blocked access to my accounts, which it marked as overdrawn due to a disputed transaction. In doing so, they would not allow me to view my online statements. 

FirstBank PR did not mail physical statements for the account. 

In violation of the Truth in Savings Act, FirstBankPR will not provide access to the last 18 months of statements. 

In addition, I made a deposit by mail of {$20.00}, but FirstBank PR failed to credit the account. 

Finally, because FirstBankPR failed to provide access to the statement, I could not dispute transactions in a timely manner which would have cured the alleged overdraft and would have entitled me to a reimbursement of the erroneous overdraft fees. 

FirstBankPR owes me in excess of {$60.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21
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: Public record information inaccurate

Complaint:
XXXX XXXX has continue to report this loan even though it was discharged under bankruptcy chapter XXXX back in 2013

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-20
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This is the third time I have sent a complaint about a Fraudulent accounts. This time I received added a copy of my police report and FTC as well. Please see attached documents.I am the victim I have stated that I have been working to clear up fraud on my credit with an attorney. I have stated that when I pulled my credit report I found more activity that was not mine. I found that accounts I never opened are in collections and a have various judgments on fraudulent accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-29
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 received several alerts from my credit monitoring service of new inquiries on my credit report. These inquiries were all from funding loan services. I did not initiate these inquiries.

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 2018-01-31
Company: AMERICAN HONDA FINANCE CORP
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:
on XX/XX/2017 XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX - GA XXXX phone XXXX pulled my credit information from the 3 main credit Bureau without my CONSENT and my knowledge. Causing my credit score to lower points I had a previous dispute with them in the BBB and personally. 
XXXX XXXX XXXX has over 400 complaints n the BBB and also on the consumer page of Claims and complaints. 
How can you allow a company with over 400 complaints to continue harming consumers?? 
ONE cOMLAINT SHOULD BE ENOUGHT FOR them to be investigated. 
IThey had no right to pull my credit and it is a violation of federal laws to pull people credit without their consent and a violation of my privacy Thank you XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21
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:
XXXX XXXX admitted and informed me that acct XXXX delinquent account no longer exist in their records. 

XXXX XXXX has followed the law and removed this XXXX XXXX delinquent account off my credit report However, XXXX and Experian still continue to report this account on my credit report as accurate when in fact it should be removed. 

XXXX attached shows that XXXX XXXX does not have this XXXX XXXX delinquent account on my credit report because they removed it.

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 2020-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Someone stole my information to obtain a vehicle with my information and now its showing on my credit. It is for XXXX financial for {$3000.00}.

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 explanation
Consumer complaint received 2017-09-14
Company: CCS Financial Services, Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XXXX XXXX, XXXX and XXXX estimated between XXXX XXXX and XXXX XXXX ( approximately 3 times ) i spoke with Credit Collection SERvices and XXXX  regarding 2 reported debts on my credit reports that do not belong to me. I was told by CCS that they closed and removed the collection accounts from my report on XXXX XXXX, XXXX and was given back to XXXX to handle. After getting my reports again I noticed the accounts are still on my reports under CCS and XXXX is still pursuing the debts that do not belong to me. These debts were opened in my name without verifying if the information was mine or not. I asked for both CCS and XXXX to send in documentation to include my signature, and photo drivers license, social or anything else to validate those debts and I was not provided with such from either company. That is a violation of FCRA section 609. There are 2 accounts in my name that are not mine due to incarceration during those dates in question and both companies were provided with that infomratin and they still refuse to removed them from my reports or follow FCRA section 609 guidelines.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: KLS Financial Services, Inc
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The credit bureaus XXXX, XXXX XXXX and XXXX are receiving correspondence for the below actions from KLS Financial Services to reported on my credit file illegally and in violation of Section 809 ( b ) FDCPA and section 609 FCRA. The below collection agency has failed to provide a copy of any alleged contract or other instrument bearing my signature after being requested to validate. They have an incorrect address and also have fell to comply by sending such document to prove validation then KLS Financial Services continued collection activities on my accounts in violation of section 809 ( b ) FDCPA. Section 809 ( b ) of the FDCPA requires a debt collector, upon receipt of a written debt validation request from a consumer, to cease collection of the debt until IT obtains verification of the debt and mails it to the consumer. Debt collectors forwarded consumer debt validation requests to the relevant clients, who mailed responses directly to consumers and the debt collectors then continued collection activities on accounts in violation of section 809 ( b ) of the FDCPA.

KLS FINANCIAL SERVICES, Last reported XXXX XXXX, XXXX {$480.00} Open balance XXXX XXXX Original creditor XXXX  Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) Account status Open Type -- Responsibility Individual KLS Financial Services has put a Medical Collection on my credit report which is also A HIPA violation. I have never signed a release for this creditor ( KLS Financial Services ) or any creditor. Therefore, this is an inaccurate HIPA violation and I want these removed immediately. HIPA laws protect my personal information without my consent and KLS Financial Services have been aware of these HIPA violations and has been asked to delete immediately. They are many XXXX violations of up to XXXX per violation and I will pursue recovery if these violations if these collections are not met with a satisfactory resolution. Delete Immediately

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 2019-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I have a 30 days late on XXXX and XX/XX/2018 on XXXX XXXX   Account # XXXX on my credit report.The payment was setup as a automatic payment.Please correct this incorrect information.Update to a never late status.

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 2020-04-23
Company: EQUIFAX, 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:
sent ftc violatons filed with the ftc taking more than 30 days show tooltip button XXXX XXXX XXXX XXXX XXXXDispute XXXX  XXXX XXXX XXXX U.S. DEPARTMENT OF EDUCATION U.S. DEPARTMENT OF EDUCATION US DEPT OF EDXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23
Company: EQUIFAX, 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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAS COST A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGE THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVE OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16
Company: Experian Information Solutions 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 am attaching a copy of the letter that I sent to the credit bureaus on XXXX XXXX, requesting an investigation of erroneous items on my credit report. Obviously, 75 days have passed since this letter was mailed, and the bureaus have not responded to me. They were supposed to respond inside of 30 days. I have also sent follow-up letters regarding this matter, and the follow-up letters have also gone ignored.

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 2020-04-23
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
sent ftc violatons filed with the ftc taking more than 30 days show tooltip button XXXX XXXX XXXX XXXX XXXXDispute XXXX  XXXX XXXX XXXX U.S. DEPARTMENT OF EDUCATION U.S. DEPARTMENT OF EDUCATION US DEPT OF EDXXXX

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 2020-02-21
Company: WELLS FARGO & COMPANY
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
Wells Fargo Debt Collector keeps calling me repeatedly after telling them that I am handling in person. They have called me repeatedly in the mornings as early as XXXX AND as early as XXXX on SUNDAYS!

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 2021-08-16
Company: Convergent Resources, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from Convergent Outsourcing , Inc. offering to accept 25 % of a debt I supposedly owe as full payment. I do not owe this debt, nothing shows on my credit report and I think they just pulled my name out of a hat in the hopes I'd respond which I'm not doing but I am reporting them.

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