BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-27
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10
Company: EQUIFAX, INC.
State: AL
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:
My EQUIFAX REPORT HAS NOT BEEN UPDATED SINCE XX/XX/2022! For the following companies : XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have reached out to them on several occasions about this issue and have not received anything back in the mail from them at all. 
I spoke to someone over the phone for a forgiveness for XXXX XXXX XXXX  because I was faced with financial hardship and could not make my 4 of my payments on time and they informed me they would remove those two late payments and they failed to do so!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10
Company: CAINE & WEINER COMPANY, INC.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Caine and wiener have been harassing me via phone and mail and also added a collection account to my credit report for {$180.00}. I have been dealing with this harassment for over 3 years now and I still have not received a clear answer as to why I am being charged and harassed

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02
Company: U.S. Auto Sales Inc.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this debt does not belong to me. 

Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: ENCORE CAPITAL GROUP INC.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I got my XXXX  Credit report dated XX/XX/XXXX, Midland Funding acct # XXXX shows this account is scheduled to continue on record until XX/XX/XXXX. I called this afternoon to XXXX to inquire when it would be deleted lady named XXXX says she would check system came back after 10 minutes on hold to say it will remain on report till XX/XX/XXXX told her thats not what was on my report # XXXX for XX/XX/XXXX, XX/XX/XXXX, report # XXXX and XXXX report # XXXX from three reports couldnt be wrong asked for a new report and want it removed XX/XX/XXXX as it says or what shall I do to fix this problem so Im not sure if any thing is correct. Confirmation # XXXX from call today XXXX

Company response to consumer: Closed with non-monetary relief
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: Account information incorrect

Complaint:
To whom it may concern : Hello I have XXXX accounts with XXXX XXXX that have been charged off XXXX and XXXX XXXX XXXX  is not suppose to report this as negative, I will report you to the IRS for tax fraud and also to FCRA. With this account being closed/ charged off this is now reportable income and I should have received a 1099c form according IRS , FCRA 15 USC code 1681n, FCRA 15 USC code 1681o, FCRA 15 USC code 1681e and FCRA 15 USC 1681 eb. I am requesting that XXXX and XXXX be removed from this credit report due to these discrepancies. If these account are not removed within 30 days I will be forced to file a Civil Lawsuit The other charge off on my credit report is XXXX XXXX Im requesting for XXXX XXXX to be removed as well for reporting illegally according to the IRS.

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 2017-10-20
Company: Bronstein & Weiss Arbitration
State: VA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I was contacted by XXXX XXXX XXXX XXXX on XX/XX/17 saying that there were contacting me from the City of XXXX XXXX DA 's office and that I was currently facing trail for nonpayment that I was going to be served papers and that I was going to be summoned to go to court. I was told that the only other option was to pay {$1200.00} by credit card or pre-paid card only and that I had to make the payment that day in order to not be processed in to trail, the person name was " XXXX XXXX '' with the City of XXXX XXXX DA 's and this was her one and only communication as a courtesy I asked for them to email me a paper trail and all they sent over was the attached.
Their address is linked to a XXXX in XXXX, NY The number they called from was XXXX an known scammer

Company response to consumer: Untimely response
Consumer complaint received 2023-09-23
Company: EQUIFAX, INC.
State: TX
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:
Here are actual dates and complaint numbers listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CFPB hasnt stepped up and investigated anything.Ive been asking for actual proof for awhile and Equifax has ignored my request every occasion. There are still inaccurate reporting on my credit report. I feel racism is playing a major role in this situation as well. The lack of respect I get from this company is ridiculous. I have sent letters in on several occasions. Ive made phone calls and files complaints. Laws have been broken and CFPB has did absolutely nothing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-19
Company: EQUIFAX, INC.
State: NJ
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 have submitted disputes to you and I didn't received a response within 30 days and ya 'll are required by law to do so. Please investigate my disputes, please. Thank you. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Keep getting my sons information mistaken with mine. My name is XXXX his is XXXX nothing similer except for the XXXX .All his collection show up on my credit report can not seem to make the credit report companies to understand this. All of the addresses that he has used show on my report .All of the credit he dose not pay show on my report .Maybe he has used my S.S. # i do not know .Have been trying for years to get this corrected but to no avail .We have different S.S. # what could be so hard for this to be corrected?

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 2023-10-06
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 


1. 15 U.S. CODE 1681N - CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE XXXX  Account Number : XXXX Delete this account. 

2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX  XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX  XXXX Account Number : XXXX Delete this account. 

5. 15 U.S. CODE 1681N - CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

6. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Delete this account. 

7. 15 U.S. CODE 1681N - CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

8. 15 U.S. CODE 1681N - CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE XXXX Account Number : XXXX Please remove it from my credit report. 

9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

10. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

11. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXXXXXX of inquiry : XX/XX/XXXX Delete this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-27
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I am requesting the removal of the automatic fraud alert that was placed on my credit file. I never requested for one to be placed therefore I would like it removed 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 2021-10-27
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I am requesting the removal of the automatic fraud alert that was placed on my credit file. I never requested for one to be placed therefore I would like it removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: WELLS FARGO & COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
The initial problem was on XX/XX/XXXX. I took my cat to the vet because he was really sick. I was very worried and long story short, the vet did all these things to my cat WITHOUT asking for my consent or EXPLAINING any of the cost! They ended up charging my card for {$700.00}! I HAD NO IDEA since they didnt disclose the full amount until the next day when I got the invoice. I did not agree to any extra exams or medication yet thats what they were charging me for. Disgusting that they would take advantage of a scary situation. You bring in your pets to be taken care of NOT be scammed! I made a claim to my bank, Wells Fargo, about this and explained that I did NOT authorize {$700.00} to be charged to my debit card. What I agreed to was {$460.00}, so I wanted to be refunded {$240.00}. 
So, I spoke to the vet on XX/XX/XXXX and the person I spoke with, XXXX, understood my complaint and even admitted the vet should have never done that. However, he said he was unable to refund me only give me a discount for my next visit. BUT IM NEVER TAKING MY PET BACK THERE. 

Anyway, I opened a claim with Wells Fargo and they did credit {$240.00} to my account. However, now, 2 months later they sent me a letter saying I authorized the charged and they would be taking back those {$240.00}. 

Such a terrible experience with both companies!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10
Company: CITIBANK, N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Unauthorized user make debit transaction at XXXX for {$500.00} XX/XX/XXXX Also Four XXXX Unauthorized Transactions for {$500.00} each total {$2000.00} XXXX {$500.00} XX/XX/XXXX XXXX {$500.00} XX/XX/XXXX XXXX {$500.00} XX/XX/XXXX XXXX {$500.00} XX/XX/XXXX Called Citibank XX/XX/XXXX cancel debit card cancel XXXX and change user name and password. Dispute all transactions with Citibank dispute dept. 

Citibank denied all refused to add money back to account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
on saturday XX/XX/2022 @ XXXX i received a text message from phone number XXXX stating the following : <! >BofA : Your card has been temporarily taken down due to some pending activity. Follow sectl4sbofa.com to regain your access the thing is, i don't have a BofA card and don't believe i've ever had a card with them this is not the first time i received a message like this please follow up with this and advise

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 2021-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
I received an email about a decrease in my consumer report. When I checked my report, I notice my consumer report has unauthorized accounts. TransUnion has reported these accounts without my consent. I have never done business with this company. I never gave permission. I did not authorize which is fraud-related. I have terribly been violated of my rights as a consumer. According to federal law, it states To whom it may concern Under 15 U.S. Code 1681b -- Permissible purposes of consumer report ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I, XXXX XXXX never gave XXXX, TRANSUNION, or XXXX any written consent to report anything on my consumer report, No consent is 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 2023-10-05
Company: Atlanticus Services Corporation
State: NV
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/XXXX a charge was made for XXXX at XXXX and on XX/XX/XXXX a charge for XXXX was made at XXXX which I did not make or authorize. When I did review in detail my physical billing statement from Fortiva Credit Card Company I contacted them to file report regarding the fraud. I submitted all requested documents in timely manor to company. on XX/XX/XXXX I received a letter from Fortiva Credit Card Company Stating that " due to fact that I had accessed my online login and was provided with balance and transaction history prior to contacting fraud unit my claim was denied '' My issue is I have multiple credit card accounts all with various credit limits and various balances. I do not recall if I did login to my Fortiva account or not and if I did the fact that I did not notice fraud had occurred should not be a reason for Fortiva to deny my claim. As sated I do not keep track of all of the many credit cards that I have balances, I look at my billing statements when I get them and thats how and when I noticed the fraud charges and I contacted Fortiva soon as I noticed. PLEASE NOTE THE FRAUD OCCURED ON MY ACCOUNT ENDING IN XXXX I DO NOT KNOW THE FULL ACCOUNT NUMBER BECAUSE IT WAS LOST IN NEXT SECTION I WILL PROVIDE MY CURREND CARD NUMBER SO FORTIVA CAN PULL MY RECORDS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09
Company: Paypal Holdings, Inc
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Paypal accepted debit authorization in the amount {$260000.00} from XXXX XXXX car, Against my canceled debit card, I did not retain XXXX rental car services, XXXX XXXX XXXX XXXX provided XXXX XXXX car to me as third party accident victim, And informed me that my card would not be charged.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-29
Company: BTH Management
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have never done business with Plaza Services. I do not have a signed contract not any contract with Plaza Services. I have a right to demand a copy of such contract between Plaza Services and myself.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I filed a dispute with Experian on XX/XX/2023 to reinvestigate inaccuracies in my credit file. Reinvestigation was completed in less than 48 hours on XX/XX/2023. Proper procedures were not followed therefore treating my file unfair and impartial. I also did not receive results of the completed reinvestigation. Items are still inaccurate and unverified. I also am requesting a description of procedures used to determine completeness of the reinvestigation. Experian is out of compliance with FCRA with proper procedures of reinvestigation.

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 2022-12-13
Company: Experian Information Solutions Inc.
State: PA
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 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 explanation
Consumer complaint received 2021-01-28
Company: Experian Information Solutions Inc.
State: OH
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:
To Whom It May Concern : First, they didn't reply in a timely manner to my initial letter and failed to provide me with a copy of any viable evidence, bearing my signature, showing the last payment on the account being reported accurately. 

I sent a dispute letter is a follow up to my original letter dated XX/XX/2020 regarding an inaccuracy in XXXX, Experian 's as well as XXXX 's credit reporting, regarding the entry being reported as a charged off account under XXXX # XXXX for {$21000.00}. 

XXXX to date has a $ XXXX class action lawsuit for unfair auto loans with excessive interest rates and other terms. These loans were allegedly offered to subprime consumers who were highly likely to default on the debts. 

XXXX profited by approving high-cost loans to disadvantaged auto buyers who were doomed from the start. I just want to start over and purchase my first home in 6 months. 

My credit will be in great standing after this is corrected. 

I sent this final goodwill attempt to have you help clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. I have maintained a careful record of my communications with them for the purpose of filing a complaint with your organization. ( Consumer Financial Protection Bureau ). My next move is to contact the Attorney Generals office, should they continue their noncompliance. 

Thanks in advance for your assistance

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