BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-20
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: Information belongs to someone else

Complaint:
I believe Im a victim of identity theft, because I have no clue about the account showing on 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 2023-02-20
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: Information belongs to someone else

Complaint:
Ive tried to dispute this with the credit bureaus, but no response. Im not sure where the account comes from. I believe Im a victim of identity theft.

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 2020-10-22
Company: CL Holdings LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company input negative information on my credit report and fails to fix the problem. I have evidence and proof that XXXX XXXX XXXX department sent me that this claim was resolved and this company fails to fix the problem. It is illegal to input negative information on my credit report without me knowing or giving me notice. I need an updated credit report from them and paid for by them letting me know that my report has been fixed and that this is no longer in my credit report on all 3 major credit bureaus XXXX, XXXX  and XXXX. Thanks They have been harassing me with phone calls and fail to fix my credit reports. In order to satisfy my need from this complaint I require a copy from every credit bureau sent to me with tracking letting me know that this issue has been fixed with evidence and proof. Otherwise I can sue this company in state court including attorney fees. All I need to present is the evidence I have and it will be an easy win for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22
Company: Clear Debt Solutions, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I received a call from this number. I answered it and it was a messaged that was someone saying they were XXXX XXXX XXXX XXXX XXXX and they were unable to reach me but if I didnt call back there would be an issue with my account. 
I have no idea who it is. I looked up the information and found that others have had the same type of call from this number. It seems to be a scam or a fraud for information.

Company response to consumer: Untimely response
Consumer complaint received 2020-10-22
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: Was not notified of investigation status or results

Complaint:
I have sent numerous dispute letters to Experian regarding inaccurate and erroneous items on my credit report with no response from them. My last dispute letter dated XX/XX/XXXXhas gone unanswered and it has been well over 45 days. My disputes are obviously being ignored and possibly thrown away!!!! Section 611 ( a ) ( 1 ) states that a failure to investigate these items within 30 days means these items should be removed from my credit report immediately. It's been over 45 days so the items should be deleted immediately. I'm very frustrated, disappointed, and stressed because of this problem. I demand that these items be removed from my credit report immediately or I will have to file for litigation due to the stress this has caused me and these blatant violations. My information was impacted by the XXXX  data breach and may be compromised.

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 2023-01-22
Company: Experian Information Solutions Inc.
State: OK
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 requesting XXXX, Experian, and XXXX, to BLOCK and DELETE, IMMEDIATELY, all accounts, addresses, employers, inquiries, names, listed on my Police Report, below, Effective this Wednesday, the XXXX of XX/XX/XXXX, at XXXX XXXX, as a result of being a victim of Identity Theft, by losing my Birth Certificate, Drivers License, and Social Security Card XXXX at XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX. LITIGATION - I have not been supplied proof per doctrine of estoppel by silence. XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, XXXX. I presume no evidence of the XXXX XXXX therefore exist. Peace Family XXXX : Also Known As : XXXX, XXXX, XXXX   Addresses : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX  XXXX A ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Employers : XXXX XXXX XXXXXXXX XXXX XXXX XXXX Experian : Name : XXXX XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX Employers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX : XXXX Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX : Name : XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Accounts : XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : 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 2020-02-17
Company: ENCORE CAPITAL GROUP INC.
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:
Midland Funding # XXXX is reporting an account with a balance to my credit that should not be there. This account is paid and should not be reporting a balance to my credit. I need this updated or removed immediately as it is negatively affecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22
Company: CITIBANK, N.A.
State: DE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I have {$200.00} dollars in points for Sears or XXXX except I am unable to use the points due to no delivery, or unavailable in my area. I keep receiving emails stating I have until XX/XX/2021 to use but am unable to do so. No-one is able to assist me or seem to care.

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 2023-04-24
Company: EQUIFAX, INC.
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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance : {$1300.00} XXXX XXXXXXXX Date opened : XXXX XXXX, XXXX Balance : {$310.00} XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance : {$1400.00} XXXXXXXX XXXX XXXXXXXX Date opened : XXXX XXXX, XXXX Balance : -

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22
Company: EQUIFAX, 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 {$11000.00}, {$800.00}, {$2800.00}, {$900.00}.

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 ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 

2. XXXX XXXX XX/XX/XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$800.00} -This is not my account. 

3. XXXX XX/XX/XXXXwith ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2800.00} -This is not my account. 


-- COLLECTION ACCOUNT 4. XX/XX/XXXXwith ACCT # XX/XX/XXXX opened on XX/XX/XXXX with a balance of {$900.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22
Company: Acknowledge Debt Resolutions
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On Thursday XXXX XXXX I returned a call from my missed calls. That number was XXXX. A woman answered and told me she was calling from ADR ( Acknowledged Debt Resolutions. I was told I had an outstanding credit card debt from 10 years ago with XXXX XXXX  and that I could either pay half of what i owed or that they will proceed with legal filings where i will then owe over XXXX XXXX XXXX. I was skeptical but they had my name, address, and last digits of my SS card ) Needless to say after a while i was transferred to another person who i was disconnected from. Then I called their XXXX number on their webpage and no-one answered that. 

The numbers I called or was called from are : XXXX XXXX While I am convinced this is a scam, they were very good and had information that i guess is public information about me but it still has put me on edge.

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 2022-10-10
Company: MRS BPO, LLC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Got a text from XXXX XXXX XXXX wanting me to call them or go to their website about a debt with XXXX. My account with XXXX  is current. This is a scam and is not the first time they have attempted this. They need to be prosecuted and given jail time so they can not profit from this predatory interstate commerce scam

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19
Company: WELLS FARGO & COMPANY
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Received a call from XXXX at XXXX XXXX advising this is their last attempt to reach me regarding an account in 2007 with Wells Fargo. Advised XXXX at XXXX that I do not know what he is talking about and that I will contact Wells Fargo to discuss further. Contacted Wells Fargo and spoke with a nice representative named XXXX. XXXX advised any accounts that old would not be valid anymore and if the amount was less than {$5000.00} they would not proceed. XXXX advised this seems like a scam and they are trying to get money ( scam/fraud ). XXXX word for word advised how scams like this go. Same exact explanation from XXXX at XXXX. XXXX refuses to provide me with any documentation regarding this account and advised he will be sending a process server out to serve me with court documents.

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 2021-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
In XX/XX/XXXX my account consumer credit card was closed by XXXX XXXX, and it was charged off in XX/XX/XXXX. In XX/XX/XXXX it was sold to XXXX XXXX XXXX XXXX, and in XX/XX/XXXX the account with XXXX XXXX XXXX XXXX was settled in full. As of today XXXX continues to report the account as a charged off collection account, and there is no indication that it was sold to XXXX XXXX XXXX. 
The account status does not state it has been sold rather it states that it is charge off collection. I have submitted several disputes since XXXX  disputing the incorrect reporting ; however, XXXX continues to validate the information as correct reporting.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX account XXXX XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States 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 instructions.

15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25
Company: AR Resources, 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:
On XX/XX/2020 I paid an outstanding medical bill to XXXX XXXX XXXX of {$640.00}. 
They then informed me that a collection agency had the account. I called AR Resources and informed them the bill was paid. They took my info and verified with XXXX XXXX that the bill had been paid. They told me it would take a couple weeks to update on credit report. It is still on my report as of today as outstanding. I have called and left voicemail several times in the last few months with no return call.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Im writing in regards to an Auto Loan with XXXX  XXXX XXXX. I obtained this loan on XX/XX/2020 through a dealership in XXXX, MD. My payments began on XX/XX/2020, which I made successfully and since that time I have made on time payments through XXXX XXXX XXXX XXXX Bill Pay. I pay 90 % of my bills through Bill Pay and I have never had a problem with any of my payments being rejected, denied, or returned until now. 

XXXX  XXXX XXXX has placed a 60 day past due notice on all three of the Credit Bureaus. I have not received not one letter or statement indicating my payments were late. I have not received not one phone call. I have not received not one email nothing which is crazy if I was so late. Every time I submit a payment, they would send me a check for the amount paid with no explanation just an empty envelope with the check in it. I havent cashed them either so I dont know what is going on. Who refuses payment when someone is diligently trying to pay? In fact, I pay twice a month. I went to the branch in XXXX, MD on XX/XX/2020, and they couldnt tell me anything. The representative just gave me a number to call. Unbelievable right, so I got in my car and called only to speak with a lady that didnt know what she was doing and indicated that this call was being recorded and this was an attempt to collect a debt, I told her great now what is my pay off balance. She gave me that information and was trying to transfer me to someone and I just hung up. 

I only found out that the account was past due through checking my credit report a couple a days ago which is outrageous. I think XXXX XXXX   XXXX is being spiteful/prejudice and have no grounds for putting a 60 day past due on my credit account. I am extremely angry that XXXX XXXX XXXX is ruining my credit and I want XXXX XXXX XXXX to correct my file immediately. I will NEVER deal with XXXX  XXXX XXXX again. They are very unorganized, confused, spiteful, and underhanded bank. Please do whats right and correct 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 2022-11-03
Company: EQUIFAX, INC.
State: MD
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 sent in multiple letters on XX/XX/2022 addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action. 
XXXX XXXX XXXX XXXX ( g ) validation of debt XXXX XXXX XXXX XXXX harassment and abuse XXXX XXXX XXXX XXXX False or misleading representations XXXX XXXX XXXX XXXX practices Under XXXX XXXX XXXX XXXX civil liability

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: Experian Information Solutions 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 am contacting beacuse I have found some information on my credit report which is fraudulent beacuse. Never had any attachments with the address listed below Remove personal information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I am a victim of identity theft, and requesting that the items be removed Before the CONSUMER LAWS GET INVOLVED WHICH ITS ALREADY OVER 5 BUSINESS 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 non-monetary relief
Consumer complaint received 2020-10-22
Company: Lending Club Corp
State: WA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
I had a personal loan with Lending Club that was closed without any communication. I've been a client with Lending Club since XX/XX/XXXX. My first loan was Acct # XXXX for $ XXXX. I paid that loan on time, never had a late payment, and paid it off in full on XX/XX/XXXX. 

I applied for a second loan on XX/XX/XXXX. The loan was approved, loan # XXXX, loan amount of {$34000.00} and fully funded on XX/XX/XXXX. I also paid this loan on time every month until I because severely physically ill in XX/XX/XXXX. Due to my illness ( which I believe was early Covid ) was unable to work and my income was severely impacted ; I wasn't able to work and because I'm 100 % commission, I IMMEDIATELY contacted Lending Club to inform them of my health issues ; to let them know my income was impacted, that I was anticipating hardship and see if they had any programs to assist me when I was no longer capable of making the payments on time. But the only option they gave me was a 15 day grace period which is standard procedure under any situation. I called them once or twice per month seeking help and asking for guidance all while struggling to make timely payments. I was able to continue making on-time payments up until end of XX/XX/XXXX and by this time the pandimic ( Covid ) hit like a nuclar boom! In spite of my health, a major hit to my income and the announcement of Covid, I still endeavored to make payments. 

In spite of my steller payment history, fully paying off my original loan # XXXX, constant communication, request for assistance, the announcement of a world pandemic, Lending Club didn't offer me a helpful solution until XX/XX/XXXX! By this time I have little to no income, I've exhausted my savings, getting food from the food bank, etc. I was at the end of my rope! Then unbeknownst to me they charged off my loan and sold it to a third party company XXXX ( collections ) XXXX without contacting me at all!! I only found out because I was trying to call in to make a payment and they told me I was unable to pay because my account was closed. 

I'M EXTREMELY UNHAPPY ABOUT HOW I WAS TREATED. I WASN'T TREATED FAIRLY ESPECIALLY FOR MY PAYMENT HISTORY, ATTEMPTS TO WORK TO KEEP THE ACCOUNT CURRENT AND PAID, ALL MY COMMUNICATIONS TO LENDING CLUB, PERSONAL HEALTH ISSUES AND ABOVE ALL OF THAT A WORL WIDE PANDIMIC! THIS HAS SEVERELY IMPACTED MY LIFE AND IT WAS NO FAULT OF MY OR DUE TO ME BEING IRRESPONSIBLE! I ASKED THAT YOU PROTECT ME AS A CONSUMER. 

Thank you!

Company response to consumer: Closed with explanation