BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-14
Company: PRESTIGE FINANCIAL SERVICES INC
State: CO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I voluntarily surrendered the XXXX XXXX in question back in XX/XX/XXXX. When I surrendered the vehicle, it was supposed to be sold at auction and the balance reduced for to show that the vehicle had sold and then I would receive a bill for the remainder of what was due. I began this loan in XXXX at {$14000.00} and not the loan is pushing {$30000.00} though the vehicle has since been given back and sold at auction. I have reached out the Prestige Financial to correct the balance and settle the account to make payments and have been given the run around with refusals at every turn for assistance in reducing this amount so that I can settle the account and have it cleared from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-30
Company: Adler Wallach & Associates, 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 told XXXX to cancel my automobile insurance, but the agent refused to do so. I did not make payments to them after I try to cancel, but they continued to charge me and now they have sold a debt I do not have to a collections agency. 

I have save copies of my email conversation with the insurance agent at XXXX. Please let me if you want to review them?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09
Company: APEX Asset Management, LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
DEBT COLLECTOR : APEX ASSET MANAGEMENT XXXX XXXX XXXX XXXXXXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX AMOUNT : {$290.00} XX/XX/XXXX I FILED A DISPUTE FOR THIS DEBT. I EXPLAINED TO THE DEBT COLLECTOR THAT THIS WAS NOT MY ACCOUNT AND I DID NOT OWE THIS DEBT. I SENT A LETTER ALERTING THE DEBT COLLECTOR THAT TO PRODUCE DOCUMENTATION THAT STATES THIS DEBT IS MY DEBT. I CALLED TO FIND OUT THE STATUS OF THIS ACCOUNT SINCE I FAXED THE DEBT COLLECTOR PROOF THAT I DID NOT OWE THIS ACCOUNT. AFTER SPEAKING TO THE DEBT COLLECTOR I WAS INFORMED THAT THE DEBT WAS FOR XXXX XXXX XXXX. I HAD A XXXX XXXX ACCOUNT FROM XX/XX/XXXX-XX/XX/XXXX. I SENT IN PROOF THAT I HAD MOVED IN XX/XX/XXXX TO A LOCATION AN HOUR AWAY FROM THAT SERVICE ADDRESS, WITH A COPY OF MY LEASE FOR MY CURRENT ADDRESS DATED XX/XX/XXXX, AND PROOF OF NEW CABLE SERVICE THAT WAS INSTALLED AT MY NEW RESIDENCE ON XX/XX/XXXX. I CALLED XXXX XXXX XXXX TO NOTIFY THEM THAT I WAS MOVING ON XX/XX/XXXX AND ASKED THEM TO STOP SERVICE AND THEY SAID THEY WOULD AND THAT THEY WILL PICK UP THEIR EQUIPMENT. I DID NOT HEAR FROM THIS CABLE COMPANY AGAIN. I PROVIDED DOCUMENTATION TO THIS DEBT COLLECTOR THAT PROVED I LIVED AT MY CURRENT RESIDENT SINCE XX/XX/XXXX AND HAD XXXX XXXX XXXX XXXX. THE DEBT COLLECTOR STATED THAT XXXX XXXX XXXX HAS MY ACCOUNT WITH THEM CLOSED ON XX/XX/XXXX. I INFORMED THE DEBT COLLECTOR I DID NOT USE XXXX XXXX XXXX SERVICE AFTER XX/XX/XXXX AND THAT THE AMOUNT THEY ARE ATTEMPTING TO COLLECT IS NOT MINE. XXXX XXXX XXXX COULD NOT FURNISH PROOF THAT I WAS LIVING AND USING THEIR SERVICES AFTER XX/XX/XXXX AND THE DEBT COLLECTOR SAID THEY WILL CONTINUE TO ATTEMPT TO COLLECT THIS DEBT, EVEN THOUGH I SENT VALID PROOF THAT I COULD NOT HAVE BEEN USING XXXX XXXX XXXX WITH DATES. THIS IS UNFAIR TO ME BECAUSE I SQUARED OFF MY ACCOUNT WITH XXXX XXXX XXXX SINCE XX/XX/XXXX. THEY SHOULD NOT HAVE CONTINUE SERVICE AT MY PREVIOUS ADDRESS AND THEN HOLD ME ACCOUNTABLE FOR THIS BALANCE. THIS IS RUINING MY CREDIT AND IS SIMPLY JUST UNFAIR.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-30
Company: Experian Information Solutions Inc.
State: TN
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:
My credit card balance is {$0.00} on my XXXX XXXX Card and all three bureaus keep showing it as {$10.00} over the limit. Then they won't let me dispute the balance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14
Company: EQUIFAX, INC.
State: TN
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:
XXXX XXXX XXXX/XXXX Last reported XX/XX/2019 TO ALL 3 CREDIT BUREAUS {$91000.00} Reported balance Please remove from my credit reports.its been an ongoing problem for almost seven years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-30
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: Their investigation did not fix an error on your report

Complaint:
I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.

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 2020-01-29
Company: Midwest Recovery Systems
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a collections account on my credit report from Midwest Recovery Systems in the amount of XXXX dollars for a XXXX. 
I have not taken out any payday loans and have no knowledge of this account. I tried to dispute it through XXXX XXXX however it came back saying the information is correct. This is not my account and I'm not sure how it came on my report. I recently received emails about possible identity theft through businesses whom had their files hacked. This is absolutely not OK and i am not sure how to fix it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: Experian Information Solutions Inc.
State: IN
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 this inaccurate 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 2019-08-14
Company: Merchants Credit Corporation
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
" Merchants Credit '' appears only on my XXXX credit score stating I have a delinquency on my account with an original balance of {$660.00} and a current balance of {$700.00}. I have never received any form of communication with merchant 's credit, and they do not return my calls.

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 2020-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
NEVER APPLIED FOR THESE ACCOUNTS

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: 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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX You are in violation of The Fair Credit Reporting Act. XXXX XXXX XXXX XXXX XXXX, XXXX NC has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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

Remove these late payments update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act. 

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 2023-05-30
Company: SANTANDER HOLDINGS USA, 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 status incorrect

Complaint:
I voluntarily CLOSED my Santander Bank account more than 6 months ago but my account continues to be reported inaccurately as OPEN. The account has been required to be reported as CLOSED at consumers request. Please report account as Closed otherwise delete.

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 2020-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
XXXX XXXX XXXX XXXX, Ca. XXXX XX/XX/XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX, PA XXXX Dear TransUnion, I am writing to dispute the following information that appears on my TransUnion consumer report : Dispute The current status of my Score on my report is not correct. The report shows that I have a XXXX scores, but I have made all of my payments on time and my score should reflex XXXX scores. 


Thank you for your assistance. 

Sincerely, 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 2020-11-07
Company: EQUIFAX, INC.
State: MD
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:
I have sent letters in XXXX and XXXX regarding my disputes and now I have sent certified letters to each bureau ( Equifax, XXXX  and XXXX ) on XX/XX/2020 with the tracking numbers of XXXX, XXXX and XXXX requesting a reply and complaint. I also sent letters disputing my matter to Equifax on XX/XX/2020 and XX/XX/2020 and haven't heard anything back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15
Company: HW Holding, Inc
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My wife and I moved out of our apartment Over a year ago at XXXX in XXXX Texas with the permission of the apartment manager. We paid all fees associate that were requested and provided the manager XXXX XXXX with a copy of my wife 's orders. Now as we return back to the United States we are purchasing a home to find out the apartments management company sent us to collection and we do not owe anything. We are thinking this is a fraud account. When calling the collection company we We're informed that the debt was from the XXXX after we left and perhaps it could be fraud but they refuse to remove it from our credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: Experian Information Solutions Inc.
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The following hard inquiries currently showing and listed on my Experian, XXXX and XXXX XXXX credit are unauthorized and not my hard inquiries : XXXX/XXXX, XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX/XXXX  XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX Total Select, XX/XX/XXXX, XXXX  XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX  XXXX XXXX. XX/XX/XXXX, XXXX XXXX XXXX, XXXX. XX/XX/XXXX and XXXX XXXX, XX/XX/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 2021-10-22
Company: EQUIFAX, INC.
State: PA
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27
Company: Midwest Recovery Systems
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In or about XX/XX/2019 MIDWEST RECOVERY began reporting false claims against me without notice or ability to defend accounts by XXXX Hospital. I am not aware of this debt nor have I been given right to dispute the debt. I've written Midwest Recovery and Disputed reports made by this company to the three Credit Bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Experian continues to report the account XXXX XXXX  on my credit report for 4 different accounts when the original account is older than 7 years. The account is too old to be reported as it was first noted as delinquent in XXXX. The account was also included in a Chapter XXXX Bankruptcy in XXXX. As a result of the Bankruptcy and the age of the account it should not still be included in bankruptcy.

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 2021-10-22
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 was checking my credit report and I saw that my credit score is low. I don't know why you put this information on my account. I believe someone used my personal information and applied for this

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20
Company: EQUIFAX, INC.
State: SC
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:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24
Company: DISCOVER BANK
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I should remember actually date because I came XXXX  three years ago till now especially with discover credits and XXXX XXXX with XXXX XXXX even XXXX XXXX are not reporting the right figure someone when to fit wrong impression on my XXXX XXXX that I am ex servings that travel for overseas training course why I am not and never travel out from United States of America till I came into America in XXXX XX/XX/XXXX till very day I became America citizens in XXXX please I need an investigation

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-07
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2200.00}, {$11000.00}, {$340.00}, {$0.00}, {$5600.00}, {$0.00}, {$8600.00}, {$12000.00}, {$0.00}, {$0.00}, {$0.00}, {$600.00}, {$0.00}, {$3000.00}, {$13000.00}, {$6400.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2200.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$340.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5600.00} -This is not my account. 

6. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$0.00} -This is not my account. 


-- PERSONAL ACCOUNTS 7. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8600.00} -This is not my account. 

8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 

9. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

10. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

11. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNTS 12. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$600.00} -This is not my account. 

13. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

14. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3000.00} -This is not my account. 

15. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 

16. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6400.00} -This is not my 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 2018-11-02
Company: JPMORGAN CHASE & CO.
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: Information belongs to someone else

Complaint:
There's an account on my credit report that is not mines, it has me as an authorized user inwhich I have no knowledge of, and I would like this account removed immediately. The account in question is Chase Card, with a XXXX credit limit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-14
Company: Experian Information Solutions Inc.
State: AL
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 obtained a copy of my credit report and noticed accounts and noticed accounts I did not authorized.

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 2020-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
On XX/XX/2020 I submitted disputes to XXXX, TransUnion, and XXXX. I have yet to get a response on the investigation. This is in violation of the law as it has been more than 30 days.

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