BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-19
Company: AR Resources, Inc.
State: IA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2018 I sent a debt validation request to AR resources. I sent the letter certified mail which was signed by a representative at AR on XX/XX/2018. As the FCRA states, in order to validate a debt the creditor must provide proof that the debt is actually mine. From my understanding of the law this proof must be a legal binding contract bearing my signature stating I agreed to pay the amount in question which is currently as of XX/XX/2018 XXXX . I do not recall ever agreeing to this debt. As of the date of this complaint and after talking to AR on the phone several times this has still not been resolved. AR stated to me they mailed a copy of an itemized statement on XX/XX/2018 but as of the date of this complaint I have not even received that. However, even if AR Resources was able to get an itemized statement with pertinent medical information contained they would be in violation of Hippa laws because I dont recall ever giving them or signing a release of information for a collection company to have access to my medical records, let alone on a debt I dont recall by physicians in Texas, Ive never lived in Texas. On top of everything else its been well over 30 days and I have not received anything validating this debt, however its still reflected on all 3 credit bureaus which at this poimy is illegal the debt has not been validated or verified. Staff at AR are very rude and disrespectful when I try to call. They hang up, say they cant help, use profane language, and have really gave me a hard time trying to resolve this. One agent there even told me I should pay my bills and I wouldnt have these problems.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21
Company: Grant & Weber
State: FL
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 wed XX/XX/19 I received a call from a person named XXXX XXXX saying she was the director of operations for for the offices of civil disputes. she stated her affiliated attorney had been trying to reach me ( no contact ever with any attorneys ) and she said i had not responded in the compliance period. she then said her fellow mediation division has been retained has not been able to communicate with me regarding case # XXXX and the rest is basically I better call right away. 
I called and they would not answer any questions or say who the firm was, i finally got out of her that I had a debt and they were going to take me to court to retrieve it. I quickly checked my credit reports and found no such debt. Today I got a call from a local number that when dialed went to this firm who I tricked the person answering into giving me the name. ( XXXX & Weber or Grant and Weber ) ( they are using spoofing phone numbers to trick people, the first call came from Delaware ) when I asked for this XXXX, a man picked up this time and was very rude and made fun of my name numerous times with changing his tone of voice in way to make himself sound effeminate when saying it. He said I had a dept from 7 years ago and they were filing in XXXX county to sue me unless I paid. when i told him over and over I do not have a debt he threatened me with filing a 1099c with the IRS so they audit me for 5 years! 
I know in Florida even if I had such a debt the statute of Limitations is FIVE years so this is in my opinion is bogus and just bad practice in harassing me. attached is a screenshot of the Voicemail she left, i still have the original vm audio too

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29
Company: Experian Information Solutions Inc.
State: PA
Product: Debt collection
Sub-product: Auto 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:
XXXX XXXX continue to placed a repossession on my credit file against FCRA guidelines. ection 623 ( 5 ) ( A ) says : In general. XXXX XXXX furnishes information to XXXX, Experian and XXXX regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, I've made several attempts to notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action. 
According to guidelines, This means that if a debt collector reports a date of first delinquency to the credit bureaus and the original creditor previously reported it, the dates must be the same date of first delinquency. Any different date constitutes illegal re-aging. 
A debt collector re-aging an account can cause serious damage to your credit files. Re-aging would allow a collection account to remain on your credit reports in-perpetuity. XXXX XXXX have re-aged my account. According to the credit bureaus, my first ( DOFD ) date of d first delinquency was XX/XX/2018 which is incorrect according to Experian.

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: EQUIFAX, INC.
State: AR
Product: Credit reporting 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 : 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 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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
It appears that my CFPB Complaints # XXXX, XXXX, and XXXX was closed last XX/XX/XXXX. Again, I would like to submit my complaint to inform you that I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im as tickler for research, I found that under section 605b of the FCRA the credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block these files. XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX, IL XXXX XXXX XXXX Balance : {$32.00} ; XXXX XXXX XXXX XXXX  ( XXXX Creditor : XXXX XXXXXXXX ) XXXX Balance : {$3500.00} ; XXXX XXXX XXXX XXXX Balance : {$320.00} ; XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$2300.00} ; 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 2018-04-13
Company: ERC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
You are attempting to collect on a debt that is not owed. OnXX/XX/XXXX I reached out to XXXX XXXX ( Incident XXXX attached ) notifying them of my repeated attempts to correct their billing errors. I downloaded and printed the XX/XX/XXXX bill that reflects an incorrect billed amount as well as incorrect names on the bill ( see attached bill ). Only my name should be on the bill as is shown on my contract ( see attached contract ). I provided a copy of my contract and details of their errors and received a response from XXXX XXXX XX/XX/XXXX clearly stating that everything is correct according to them and notification that I will receive a late fee if they do not receive my payment in full by the due date ( see their response attached ). Since they did not wish to honor their written contract, I would be forced to cancel services. Also made it clear that I was up-to-date ( clearly shown on last bill attached ) and would owe no monies due to their lack of interest in honoring their contract and immediate cancellation prior to their next bill. If XXXX XXXX XXXX XXXX doesn't immediately clear up this matter, I will immediately file suit through Consumer Fraud Legal Services. The documents, including XXXX XXXX XXXX XXXX   written attempts directly and indirectly to collect on a false debt have already been forwarded to the FTC. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03
Company: WELLS FARGO & COMPANY
State: MD
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:
This private student loan was opened in XXXX and I renewed an in-school, active student deferment/forbearance form every year as required by Wells Fargo, signed and certified by my school 's official. I called every time to request the form to be emailed to me, then sent the form back and followed up in a week or so to ensure it was received. My forbearance form in XXXX was no different ; I called to ensure it was received, and the XXXX  representative stated it had been applied as requested and would be good for another academic year. I thanked them. A few months later, I noticed on my credit report XXXX late payments, significantly dropping my credit score. I was shocked and called Wells Fargo. They stated they would apply the in-school deferment and did so starting XX/XX/XXXX, but never removed the incorrectly reported late payments from XXXX and XX/XX/XXXX. I also never received mail, e-mail, or phone calls telling me I had a payment due. I have repeatedly attempted to contact Wells Fargo to no avail ; calls were escalated, I would wait on hold for hours, and eventually be told that it was a specialized department and someone would have to call me back. I never received a call back. In XX/XX/XXXX, the loan was sold to another servicer and there is apparently no one at Wells Fargo I can speak to any longer. This is extremely frustrating and simply wrong.

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 2023-03-17
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/XXXX, I overpaid Costcos Citi Visa card by {$20000.00}. I have desperately worked to get this money back from Citi Bank in order that I can pay XXXX XXXX instead. I have been delayed, lied to, delayed again and put off. 

Meanwhile, XXXX  XXXX is charging interest on this amount which I actually owe to them. Citi claims they cut a check to me finally on XX/XX/2023. I should have had it by yesterday at the latest and of course I do not. They sent through snail mail. I asked them yesterday to send it electronically which takes 2 days. 

They said they can do that but it will take another 7 to 10 Business Days to do that which we all know is a bunch of BUNK!!!! 

They are using my money and dont want to send it back to me. I can see on XX/XX/XXXX where they backed the money out of my account but I still dont have it. Meanwhile XXXX XXXX is charging interest on. This money that Citi refuses to return to me Will you please light a fire under Citi Bank and force them to return my money AND PAY THE INTEREST Im being charged at XXXX  XXXX? 

I appreciate all help you can give me.

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 2023-08-10
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:
From XXXX XXXX social security is XXXX their are two negative items that are charged off that's XXXX and the other charged off has balancesof XXXX my complaint those items supposed to be removed from my experian credit report in 24 hours I have a federal trade commission identity theft report on file experian did a good job in removing the other negative items and all 4 hard inquiries

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 2023-04-26
Company: LOBEL FINANCIAL CORPORATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
I just got out of prison XX/XX/XXXX and starting my own business in XX/XX/XXXX I discovered I was a victims to identity theft and been steady trying to recover... 

Lobel financial is a lender I discovered works exclusively on loans for cars... 
They have approved a loan for someone else other than me but with my name. They allowed a car to be leased to someone that I don't have... I've contact credit bureaus lobel financial and made police reports with the local department and filed with the FTC

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
The below information was also sent directly to XXXX XXXX on XX/XX/XXXX. I have yet to receive a response from them. When I called a few weeks ago to check in, the agent said my paperwork was " lost '' but that they found my fax and were working on it. I have been very patient but felt it was now necessary to report this through the CFPB. 

-- -- -- -- -- On Monday, XX/XX/XXXX, I was informed about an offer to add authorized users to my XXXX card. I was informed by several agents both with XXXX Customer Service and New Accounts that adding authorized users would not result in a hard inquiry for myself or the authorized users. Therefore, I went ahead and added an authorized user to my account. 

Later in the week of XX/XX/XXXX, I was notified that I had received a hard credit inquiry on my Transunion account. I am not ware if the inquiry posted to other bureaus, but I have attached selected pages from my TransUnion account as proof of the hard credit inquiry on XX/XX/XXXX. 

After learning about the hard inquiry, I contacted XXXX XXXX on XX/XX/XXXX to  understand the situation. Several agents again said they had never heard of hard inquiries resulting from adding authorized users. 

I am requesting that this hard inquiry be removed from my TransUnion account as well as from the other two bureaus, if applicable. I was directly informed by multiple agents on recorded calls that adding authorized users would not result in a hard credit for either myself or my authorized users.

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 2022-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
( DISPUTE CODE - XXXX  ) ( DISPUTE CODE - XXXX ) My personal information was stolen and used for fraudulent activities in XXXX since that day Ive been seeing a lot of unauthorized inquiries and accounts reporting on my consumer credit profile. Ive attached a police report pertaining to the incident for reference. In accordance with the Fair Credit Reporting Act multiple unauthorized inquiries and accounts have been found on my credit report. Please immediately delete and remove all inaccurate or fraudulent accounts or inquiries I have listed : XXXX XXXX XX/XX/XXXX-TransUnion 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 XX/XX/XXXX-TransUnion XXXX XXXX XX/XX/XXXX-TransUnion 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 handwritten instructions. 
15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

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 2023-04-26
Company: Experian Information Solutions Inc.
State: AZ
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 10th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/XXXX  XXXX XXXX XXXX XX/XX/XXXX  XXXX XXXX XXXX XX/XX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX  XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-29
Company: Rocket Mortgage, LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/19, I inquired about mortgage rates with Quicken online ; rates were displayed and I declined an invitation on the website for a return call as I was not interested in what was advertised. 

I received a call later in day at XXXX local time from XXXX XXXX , Senior Mortgage Banker ( NLMS XXXX ). The representative continued to gather information from me not indicating anywhere in the call that I was making a formal application until the very end. 

I stated I was seeking a rate estimate and fee information ; the representative repeatedly stated " interest rates are federally regulated and it was not necessary to shop around as all mortgage bankers are fishing from the same pool ''. Rates obviously vary between lenders and I asked for clarification, she repeated the same. The representative was abusive and deceptive. She advised I should " continue with the application, without giving me insight to rates or fees so that her Director can review the loan ''. I provided my exact FICO, DTI, profile, product interested in and loan specifics. Fee information could not be given and the call ended. 

The loan officer sent me a text with her information and I responded asking for her Director to call me. I advised I wanted to file a UDAP complaint and did not hear further.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: DISCOVER BANK
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
The Verification section claims that their closed the credit card because they were unable to verify identity. In their own findings, the account was not founded as valid. 
They actively closed the credit card with a balance due without providing purchase review support with fraud department in 2018. 
After reaching out many times and reporting to police, Fraud support section claims they were unaware of account verification problem at account opening and any subsequent purchase review needs.

Company response to consumer: Closed with explanation