BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-15
Company: Adler Wallach & Associates, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
13 years ago when my son was born we signed up for XXXX XXXX XXXX for him. We paid, there was annual charge which a few years later I did not wish to renew. I informed them. This was 10 or 11 years ago. Now, a company claiming they are representing XXXX XXXX XXXX  ( which I last contacted 10 or 11 years ago I was no longer interested in their services ) is attempting to collect a debt of {$650.00} and has reported this to XXXX, XXXX, and XXXX. I only found out about this from my credit report I was never actually contacted. This company is AWA COLLECTIONS. I have no further knowledge of why I owe this money, why this is coming up now when I cancelled this service at least 10 years ago.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-11
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: CURO Intermediate Holdings
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This creditor has contacted from 8 different phone numbers atleast 6 times a day, everyday consecutively for months now. The calls began before I ever even reached 30 days past due. I have spoke with this creditor and informed them of a medical emergency and my recovery that has halted my ability to work after a nearly perfect payment streak with them and this hasnt stopped the aggressive tactics. Although i purchased an insurance plan they sold me for this loan in case of emergencies, apparently i have to jump through hoops to actually use it and it would only help for one month. I even made a payment that further hindered my financial stability and mental to show my intentions to pay as soon as I am well enough to work again. Nothing stops them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made 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
Consumer complaint received 2023-02-28
Company: Experian Information Solutions Inc.
State: SC
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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$470.00} ; XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX Balance : {$2800.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1700.00} ; XXXX XXXX Balance : {$7100.00} ; XXXX XXXX XXXXXX/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 2023-02-28
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I sent the necessary documents to FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this website. Here are the items that are erroneous in my file and need investigation : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$500.00} XXXX XXXX Balance : {$960.00} XXXXXXXX XXXX  XXXX XXXX Balance : {$180.00} XXXX XXXX Balance : {$500.00} XXXX XXXX XXXX Balance : {$8400.00} XXXX XXXX XXXX Balance : {$430.00} XXXX XXXX XXXX XXXX Balance : {$290.00} XXXX XXXX XXXX XXXX Balance : {$660.00} XXXX XXXX XXXX XXXX Balance : {$290.00} XXXX XXXX XXXXXXXX XXXX Balance : {$500.00} XXXXXXXX XXXXXXXX Balance : {$630.00} XXXX XXXXXXXX Balance : {$150.00} XXXX XXXX XXXX XXXX Balance : {$660.00} XXXX XXXX XXXX XXXX Balance : {$290.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$290.00} XXXXXXXX XXXX XXXX XXXXXXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXXXX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-02-28
Company: Experian Information Solutions Inc.
State: SC
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 name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2019-07-23
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:
Hi, I'm relocating to New York and looking to purchase in a condo. I checked my credit score just to see whats was on my report because I haven't checked it in a minute. While checking my report I saw a XXXX XXXX Bank on my credit that is not mine. I have reached out to the FTC and to my local police department, and I am doing this on my own behalf. This item needs to be deleted 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 non-monetary relief
Consumer complaint received 2019-07-23
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Amex refuse to issue promotional offer of XXXX delta skymiles after I met spending limit of XXXX dollars.They said I have open card in the past and closed or not used them but they can, t send me any policy in writing to support this decision.i will seek legal representation if this matter is not resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: WELLS FARGO & COMPANY
State: WI
Product: Money transfer, virtual currency, or money service
Sub-product: Money order, traveler's check or cashier's check
Issue: Fraud or scam

Complaint:
A Cashier 's check was presented to us at XXXX XXXX XXXX for a tenant move in. The cashier 's check was dated XXXX for {$1400.00} from Wells Fargo Bank. The tenant later changed their mind and wanted a refund. We refunded her money because she had paid with a cashier 's check. On XXXX Wells Fargo stopped payment on their cashier 's check. 
We contacted Wells Fargo XXXX case number XXXX and they stated this was a matter between us and their customer. 
I understood a cashier 's check is final. Thats why it's used for closings, move ins etc. I did not believe a stop payment could be done on a cashier 's check. 
XXXX XXXX XXXX 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 2023-03-15
Company: EdFinancial Services
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On XX/XX/XXXX, called Edfinancial and spoke to a representative : I asked for a refund of 2 payments I made during the CARES ( Coronavirus Aid, Relief, and Economic Security Act ) period ( XX/XX/XXXX, XXXX XXXX, XXXX ) .Under {$3000.00}. They told me 3-6 months for a refund with no email confirmation or any notes on my account I could see. They just said they will send in the request. 

XX/XX/XXXX I called Edfinancial again after seeing my balance update on Edfinancial 's website but no sign of my refund check, they told me could take a while, it was up the Department of Education. thats all that was said. 

As of XX/XX/XXXX havent received any sort of check, and I have seen other people with higher loans receive theirs.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23
Company: First Data Corporation
State: PA
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Unexpected or other fees

Complaint:
I received fraud charges on my card on XX/XX/2019 for XXXX, and XXXX XXXX XXXX, XX/XX/2019 online XXXX,XX/XX/2019 XXXX XXXX, XX/XX/2019 online XX/XX/XXXX, lots of money gone and they are giving me the run around getting the charges fixed and told me I had to call up all the places that were charged and talk to them to get the money refunded, so I called all the places and they told me I had to go through the card providers to get it all fixed. total run around, my other bank didn't do this

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: Experian Information Solutions Inc.
State: LA
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 

XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2023-02-28
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/XXXX, I sent a complaint regarding the removal of these erroneous items : XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$19000.00} XXXX XXXXXXXX Balance : {$410.00} These items are still in my credit file and I want them removed ASAP. This complaint is my follow-up attempt to inform you that the items must be removed.

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 2021-04-14
Company: Credit Collections U.S.A., L.L.C.
State: KY
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:
Upon review of my XXXX  credit report, I noticed a collection account from Credit Collections Co., XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WV XXXX. The amount was for {$150.00} from original creditor XXXXXXXX XXXX XXXX. As I did not recognize the account nor original creditor, I filed dispute with XXXX. 

XXXX XXXX dispute resolution was to add comment " Consumer Disputes This Account Information ''.

I then wrote the Credit Collections Company directly stating I have received no information regarding the alleged debt nor did I recognize the alleged original creditor. Requested them to provide written documentation of the debt. It has been 35 days since contacting them and I have received no information yet this remains 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 2021-02-09
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
Crown Asset Management ( CAM ) sued me in XXXX County, Indiana, and I just happened to find the summons on my front porch step flapping and blowing in the wind. It was only by pure luck I found the notice. If this unattached document had blown away I would have never know I was being sued, but fortunately I did find the summons and I responded promptly. The huge error on Crown Asset Management 's filing was that I do not live in the county where they sued me. Simple research based on my address would have easily indicated that my county of residence is XXXX county Indiana. CAM filed a motion to dismiss the case and then they refiled in the correct county. I was only able to find this out by checking the website XXXX daily to see if CAM refiled in the correct county. The case was initiated XXXX, but as of today I still have not been officially notified. I am a XXXX XXXX XXXX and my time and energy is dedicated to making sure my XXXX needs are met during this very difficult time. In addition to that, I am a mother with XXXX XXXX and the last thing I need is this company distracting me from my XXXX  and my own family. They have repeatedly contacted me before the court filing and have violated the Fair Debt Collection Practices Act by ignoring my plea for them to stop. They have wasted enough of my time and by having to respond to them over and over again without any results is very frustrating.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
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: Information belongs to someone else

Complaint:
I'M A VICTIM OF IDENTITY THEFT. THESE ITEMS ARE NOT TRANSACTIONS CONDUCTED BY ME AS A CONSUMER. I JUST TRIED SUBMITTING MY COMPLIANT BUT IT WAS CLOSED RIGHT AWAY FOR SOME ODD REASON.

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 2022-01-12
Company: Experian Information Solutions Inc.
State: AR
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:
I called Experian to tell them about some inquiries on my credit report that were fraudulent. A rep from experian told me to file an ftc report and upload online then call them back so they can remove the fraud inquiries. I did what the first rep told me and I called back and got someone different and they told me a totally different thing to do. I just want 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 2023-10-25
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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: U.S. BANCORP
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
On XX/XX/18 I made a XXXX dollar purchase on coinbase. on XX/XX/18 my online banking shows it went through along with a XXXX dollar " international ATM '' fee. 

then at a later date it shows that XXXX refunded my purchase, and debited it again. This added ANOTHER XXXX $ fee. 

XXXX released a statement that said basicly the entire thing was visas fault. That people effected should contact t their bank for refund on fees. 


on XX/XX/18 ( today ) I noticed this and called US BANK. US BANK said they would waive the fee. they put me on hold. they came back and said it wouldn't let them waive the fee because " it's a charge from coinbase. '' and then can't waive it because it's coming from coinbase. 

coinbase release : https : XXXX I want my XXXX dollars. 


Not only that, but it's a joke that XXXX is saying coinbase is an ATM when the IRS lists crypto as an asset, and not currency.

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 monetary relief
Consumer complaint received 2017-10-21
Company: Innovis
State: PR
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 call and they said that I has to call XXXX, when I call XXXX they said that they not have a inquiry in my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: JPMORGAN CHASE & CO.
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:
It's been more than 30 days and the creditor has not updated the information nor provided proof or documentation of the late payments on my credit report. They have not supplied this information and must remove the alleged late payments on my credit report. Under Federal Law they had 30 days to complete this investigation and by failing to do so the item must be deleted from my report as soon as possible.

Company response to consumer: Closed with explanation