BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-11
Company: Experian Information Solutions Inc.
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:
I earnestly implore you to take immediate and decisive action to remove the fraudulent inquiries from my credit report. It is crucial to acknowledge that I did not authorize these ACCOUNTS and their presence is causing me considerable distress.

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 2020-01-22
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XXXX, I phone XXXX XXXX XXXX Mastercard to close my credit card account. At that time, I was not informed that I needed to submit any follow up written letter to close the account. I assumed that the account was closed much like when you lose a credit card. 
Later that year, on the anniversary of my membership, I received a credit card statement with a membership fee of {$100.00}. I assumed that it was in error and ignored subsequent statements because I wasn't renewing the membership. 
In XX/XX/XXXX, I received a letter from XXXX XXXX stating that my XXXX XXXX XXXX Mastercard was in arrears. I contacted Resurgent Capital Services to protest and stated that I wasn't going to pay the charge as I didn't want a membership. They stated that I had to have proof that I had called XXXX XXXX XXXX Mastercard to close the account. This is proof I do not have. 
In XX/XX/XXXX, I wrote Resurgent Capital Services asking that they resolve the matter and erase the debt. XX/XX/XXXX, I received a letter from Resurgent Capital Services saying that without proof of my closing the account, nothing can be done. 
I am appealing to you for help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX Balance : {$55.00} ; XXXX XXXX XXXXXXXX Balance : {$510.00} ; XXXX XXXX  XXXX Balance : {$30.00} ; XXXX XXXX XXXX Balance : {$600.00} ; XXXX XXXX XXXX  XXXX Balance : {$520.00} XXXX XXXX XXXX  XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/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 2023-10-02
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2023 a fraudulent non-verified wire transaction of {>= $1,000,000} was allowed to be taken out of our business account. We were told that a recall was approved on XX/XX/2023 for our monies to be refunded into our business account. We asked for documents showing the fraudulent wire transaction that was allowed and, for a letter stating what happened for our records. To date, we have not received the recalled funds of {$190000.00} or any documents or paperwork stating the fraud that occurred to our business account. We are in a dire situation as we can not meet the upcoming payrolls et.al.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
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: Their investigation did not fix an error on your report

Complaint:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This letter is a formal notice that you have failed to resolve my dispute or contact me within 30 days of receiving my previous letter. One of the rights under the Fair Credit Reporting Act states a Credit reporting agency MUST update or delete inaccurate information. You have had thirty days to investigate this claim. Under the FCRA my dispute MUST be resolved in thirty days. 

XXXX XXXX Date opened XX/XX/XXXX Balance $ XXXXLate/Open Late Date XX/XX/XXXX, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance $ XXXXLate/Closed Late Date XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2022-09-05
Company: WELLS FARGO & COMPANY
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
XXXX XXXX, 2022 I received four emails from Wells Fargo regarding a checking account being opened. I did not open an account. I am unable to access any account information so I called them the evening of XXXX XXXX with the application reference number. The first person just sent me back to the beginning of the computerized phone system. Eventually I talked to a guy named XXXX. Then I asked for a supervisor. There is still an account opened in my name. While accounts can be opened on a Sunday apparently you can not get a fraudulent account closed and I was told I must wait until XXXX XXXX. Meanwhile someone has an account in my name doing who knows what.

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 2017-08-22
Company: Bridgecrest Acceptance Corporation
State: NC
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I received several calls from Bridgecrest ( formerly XXXX XXXX ) requesting payment. Repeated calls 5-7 times a day from various phone numbers. When I have answered the call the company reps never identify themselves or state the debt collection statement that informs me they are collecting a debt. This leads me to doubt their identity and/or believe they are violating my safety and rights as a consumer

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 2022-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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/XXXX ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-08-11
Company: Experian Information Solutions Inc.
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:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and anxiety, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

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 2023-06-27
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I sent proof that I entered an agreement with XXXX  and have made payments for the last year and entered an agreement provided the proof however Experian has refused to remove the red non payments for the last XXXX year I have paid and entered into the agreement Additionally XXXX XXXX i never entered any contract with and have no contact for that debt they refuse to prove I have any signed contract with XXXX XXXX  and continue to publish this debt my debt is not with them

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22
Company: Professional Choice Recovery, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
Around XXXX on XX/XX/20 a person named XXXX from Professional Choice recovery called my work phone asking another employee to speak to me even after last time they called I told them not to call my work that it isn't OK. I requested the bill from the client they where representing and have never received a bill from XXXX XXXX in nebraska, just the bill from them saying if I don't pay immediately they will report it to my credit score. The most recent call though I was informed my insurance paid XXXX XXXX and they where now collecting on the rest of the debt ; However, usually after the medical provider gets paid I should get a bill from the medical provider saying how much I owe them, instead Professional Choice recover is threatening me to send my account to management and that they will report this debt on my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04
Company: Experian Information Solutions Inc.
State: MD
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 am writing to request several credit inquiries that were unauthorized be removed from my credit report., I received a copy of my credit report and became aware of nine inquiries that I did not authorize. They are as follows : XXXX. XXXX ( XX/XX/XXXX ) XXXX. XXXX ( XX/XX/XXXX ) XXXX. XXXX XXXX XXXX Bank ( XX/XX/XXXX ) XXXX. XXXX XXXX ( XX/XX/XXXX ) XXXX. XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX. XXXX ( XX/XX/XXXX ) XXXX. XXXX XXXX ( XX/XX/XXXX ) XXXX. XXXX ( XX/XX/XXXX ) XXXX. XXXX ( XX/XX/XXXX ) Each company has received a letter sent by certified mail stating that the inquiries were not authorized, and I have requested them to be stopped. In addition, I have asked for their removal 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 2022-09-04
Company: Santander Consumer USA Holdings Inc.
State: AR
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 you are in violation of XXXX XXXX XXXX due to not VALIDATING THE ALLEGED DEBT. 
XXXX XXXX  I respectfully request that your company provides me with competent evidence. 
I am also informing you if your company has or continues to report false information to any of the three major credit bureaus this action might constitute fraud under both federal and state laws. 
If any negative mark is found or continues to repost on any of my consumer reports by your company or the company you represent. i will not hesitate in bringing legal action against you and your client for the following : VIOLATION OF THE FAIR CREDIT REPORTING ACT

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
This regards Complaint # XXXX which was filed earlier this year regaring XXXX, Ohio-based law firm XXXX XXXX XXXX. 

Due to the fact that their client, Crown Asset Management actually issued a lower settlement amount ( attached ) AFTER the " bill of sale '' that was presented in Court, I did, in writing, asked to be shown the actual amount the Plaintiff paid for this " debt '' -- I believe that is an actual right/law. They declined to do this during XXXX XXXX attached XXXX. 

At issue : The Plaintiff intentionally and willingly purchased " bad-debt '' in the secondary debt market -- Debt that we all know was written-off and " credit given '' by the loan originator by the IRS. 

So -- if a debt collector decidees to sue consumer for " x number of dollars '', this amount should be made available and should be TRANSPARENT so that we can all see what is going on. How much did Crown Asset Management pay for MY " default ''? -- Because Prosper already received a credit/ '' right-off '' from the IRS XXXX 

Everyone, including the IRS knows what the amount of the " default '' was. This is not the amount that is now owed to an opportunistic party who is attempting to profit from an economically vulnerable consumer. 

As previously stated, given the poor record-keeping and the obscure nature of the secondary debt market, it is not right and should be illegal to sue someone for an amount you did NOT pay ... ... and if you " did '', and this person is still in economic despair, then this amount should be considered for a " right-off '' on their business expenses. To bring additional economic harm to already vulnerable consumers should be make illegal. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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 am not liable for this debt, Capital One Account # XXXX, XXXX XXXX XXXX Account # XXXXXXXX XXXX Account # XXXX XXXX XXXXXXXX XXXX Account # XXXX I do not have a contract with these collections. They did not provide me with the original contracts for the following companies Capital One XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as I requested. 
In According with the Fair Credit Reporting Act the following companies previously listed above has violated my rights. 
15 USC 1681-602A states I have right to privacy.

15USC 1681-604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I attempted to purchase two XXXX hats on XX/XX/2022, from a website that gave me the impression it was selling XXXX products ( at the following link : XXXX XXXX XXXX ). After setting up an account and going to checkout from the shop website, I was given the option to pay through PayPal. After selecting PayPal, I was redirected to PayPal where I entered my contact information and continued to complete the purchase. Only after completing what I thought was a purchase, was I informed that PayPal had directly transferred the money for the transaction from my bank account to a separate private bank account of someone named XXXX XXXX ( email address : XXXX ), rather than treating the transaction as a purchase. 

It has been over a month now since the purchase and I still have not received the items I ordered or any information regarding shipping, refunds, etc. PayPal does not allow me to contact the seller through PayPal. I attempted to contact XXXX XXXX via the email provided by PayPal on XX/XX/2022, to request a status update, but I never receiving a response. Additionally, I have tried to contact the shop through the contact form on their website ( XXXX XXXX XXXX ) at least 10 times across multiple different days : my first attempt was on XX/XX/2022, my most recent attempt was on XX/XX/2022. Every attempt fails, only yielding the response : " There was an error trying to send your message. Please try again later. '' The website provides no other means for contacting the seller. 

Because I never received the items purchased, I opened a dispute on PayPal regarding the transaction on XX/XX/2022. PayPal 's online forms did not provide an appropriate dispute type regarding the transaction, so I requested more information regarding the transaction and hoped to enlist PayPal 's support in resolving what had occurred. PayPal closed the dispute on XX/XX/2022, after providing me with no additional information or support in recovering the lost funds through what I suspect was a fraudulent transaction. It is unclear whether PayPal made any attempt to contact the seller or gather additional information on my behalf. PayPal will not allow me to reopen the dispute or submit another dispute regarding the purchase despite the fact that they closed the original dispute without actually providing any form of support or compensation. I was provided with an email address to follow up with in case I had any additional questions ( XXXX ). My subsequent email to that address, which was sent on XX/XX/2022, has not received a response after 9 days.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2021-07-03
Company: Diaz & Associates, Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Diaz and Associates, XXXX, XXXX XXXX of debt in question : XXXX  XXXX XXXX  Received a letter XX/XX/XXXX in the mail for a debt that took me by surprise. First off, the bank mentioned in the letter has not existed since XXXX. All of my previous debt have been discharged, so I found this very suspicious to get a debt letter in my name. Next, this is the only letter received asking to settle a debt in full at a fraction of what is actually owed. And lastly, they are directing to a website to pay off the debt. I found this all alarming and looks like a scam.

Company response to consumer: Closed with explanation