BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-10
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 a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Ive disputed two accounts with Experian several times and they keep saying that the accounts have been verified and updated. I disp The XXXX XXXX Account because it over the statue of limitations time frame of seven years and there still reporting on my credit file. The other account with XXXX XXXX is a Hippa violation and they keep updating my account also and saying its verified but refusing to send me the necessary documentation that shows who verified 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 non-monetary relief
Consumer complaint received 2022-03-03
Company: Asset Management Outsourcing, Inc.
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. Where is my signed HIPPA form? I am aware that you have directly violated the regulations of the HIPAA Act of 1996. I never signed a HIPAA form to authorize your company to have access to my medical records or procedures that I went through. Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Two credit card accounts with 5th/3rd was opened fraudulently in my name. 

1. Fifth Third Bank opened on XX/XX/18 balance is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
On XX/XX/2022 I received a " XXXX XXXX XXXX  hard credit inquiry that I became aware of based on an alert from my credit monitoring services via XXXX XXXX and XXXX. I pulled the hard credit inquiry contact information from my XXXX XXXX XXXX XXXX XXXX ( see attachment # 1 ). The " XXXX XXXX XXXX  hard credit inquiry 's associated address is XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX with a phone number of XXXX ( XXXX ) XXXX. Based on an internet search, this address and phone number appear to be a TransUnion affiliate ( XXXX XXXX XXXX ) based on the XXXX XXXX XXXX XXXX XXXX XXXX. See their XXXX  website : XXXX XXXX XXXXXXXX ( see attachment # 2 and # 3 ). When I call the above number, a voice recording indicated that this was indeed TransUnion and referred me to XXXX ( XXXX ) XXXX. I called TransUnion at XXXX ( XXXX ) XXXX and in a text chat with a customer service representative named XXXX, they said this was a request via TransUnion from a third party ( XXXX, not sure who this could be and I do not recognize this entity ) ; however, they couldn't explain why the hard credit inquiry 's contact information is for a TransUnion affiliate in California. This is unusual and I frankly don't trust TransUnion 's current explanation. TransUnion provided me with a file number, which is XXXX ; however, they did not resolve the issues. I believe that TransUnion has mistakenly initiated a hard credit inquiry without my permission or consent and that TransUnion needs to resolve this as soon as possible. Thank you for your assistance on this matter!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: Ability Recovery Services, LLC
State: GA
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:
Ability Recovery Services I have never done business with advising I owe {$5600.00}. I have been a victim of identity fraud for many years. I reached out to for them to provide information and the credit bureau have and nothing was ever sent.

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 2022-03-03
Company: CL Holdings LLC
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: Old information reappears or never goes away

Complaint:
My closed XXXX XXXX account was closed and went to collections in XXXX. XXXX originally sent it to one debt collector and it was sold to another debt collector about a year later to Jefferson Capital System. Jefferson Capital keeps updating it so it stays on my credit report. This debt is way about 10 years old. I have disputed this multiple times, yet it won't come off my credit. According to the FCRA " Consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more than seven years old '' My credit report says that it was only opened 2 years ago, but it was about 10 years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 submitted an identity theft report to Transunion # XXXX. I have been incarcerated for XXXX years, and have no knowledge of the fraudulent accounts on my credit file. I will attach proof of my incarceration. An extended fraud alert was placed on my credit file but the fraudulent accounts remain on my credit file. This is a direct violation of my rights as a consumer under FCRA.

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 2017-11-13
Company: JPMORGAN CHASE & CO.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Chase credit card I have continually reported as a FRAUDULENT/ NO KNOWLEGDR OF account BECAUSE 1. I have no knowledge of opening This account or incurring this debt and 2. They have continually reported the WRONG ADDRESS after I have addressed them Several times about it. I live in a 7 story high rise with over 60 apartments and they have my apartment as listed as XXXX apt XXXX XXXX XXXX XXXX MA with NO LETTER PRIOR TO THE # which includes every apt #.
Apartment number, although Ive reported to all three bureaus my address is to include an Apt XXXX with anything. Ive shown them my ID and repeatedly told them That this is not my account and there would be no way of getting my mail if they had addressed it to XXXX XXXX XXXX XXXX  alone, it would have been set out in the public lobby for anyone to grab. I believe someone else took a pre approved offer or had My info previously and they have opened the account and made it deliquient. Also, none of the phone numbers when I called to check with them have I been associated with. Please Id like this removed from my Credit report as I believe XXXX has already removed it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-07
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I 've written letters to XXXX, XXXX XXXX, and Equifax in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX XX/XX/XXXX &XX/XX/XXXX regarding inaccurate, fraud victim and outdated information showing on my reports. All 3 bureaus removed and reinserted the same information I disputed. I 've sent certified mail and there response time is not timely. I 'm very frustrated and after reading sec. 611 609 & 623 my rights were violated. Inquiries : XXXX XXXX XXXX : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX : :XXXX XXXX XX/XX/XXXX XXXX : :XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX : :XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX : XXXX XXXX XX/XX/XXXX Inaccurate Information : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ( old ) XXXX XXXX XXXX XXXX XX/XX/XXXX ( old ) XXXX XXXX XXXX XXXX XX/XX/XXXX ( old ) same acct number XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-10
Company: Experian Information Solutions 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:
cra violation sent po report also XXXX XXXX the report has taken longer than 30 days id theft letter also sent to id theft gov

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 2022-03-03
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/2022 all account I have with Wells Fargo are on a hard hold and have been for 7 day and still I have no $ $ $ I will not be able to pay any of my bills. 
1 account has over {$3000.00} in it 1 had {$20.00} 1 had {$50.00} I have been on the phone with Wells Fargo all day and I can not get any answers or my money

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 2017-11-13
Company: Radius Global Solutions LLC
State: GA
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 received a letter from XXXX XXXX XXXX XXXX XXXX XXXX. They have also placed this on my credit reports. If you look at my past complaints you will see that this is the same account that XXXX XXXX has, which was removed from my reports. The debt was closed and sold and resold several times. The account was closed and sold between XXXX. It is now XXXX. It is well past the statue of limitations. So how are they being allowed to continue to sell this old debt and continue to place it on my reports as a new account. The credit bureaus never ever fully validate any debt with a paper trail. All they do is send a letter saying it was verified. Their is never anything showing how it was verified. I can not get a copy of any documentation

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 2022-03-03
Company: JPMORGAN CHASE & CO.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX XXXX EST in the morning I was called by Chase credit card services about the c debt I owed towards my credit card. The balance is around $ XXXX with the Minimum payment around XXXX Dollar and the account is closed. 

As a debt collect from Chase bank was attempting to collect my debt, I was ready to give a small amount that I could try to spare but before that they had told me that I could get my account reset after the conversation that I had with them about it being closed. They indicated that I could get it reinstated after paying XXXX dollars before Friday of XX/XX/XXXX. ( Chase has this call recorded ). I knew that these type of deals don't come all the time so I took that offer and put aside what I needed to in order to get this nice deal they were offering me. 

I then went forward with paying her the XXXX for XX/XX/XXXX. I then scheduled the other XXXX on XX/XX/XXXX cause I was able to get by avoiding my priorities. I then called to make sure it was good to go after the schedule payment goes through. Talking to 3 representative all telling me that it's impossible to re-open a closed account and told me that the representative basically lied to me then proceed to tell me sorry and that's it. I got extremely upset not just because that representative had deceived me or mislead me in me thinking " just to get me to pay a large sum off '' but me avoiding my priority in order to get this deal from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
I am writing you this letter in regards to open student accounts/loans reporting on my credit report. These specific loans are reporting inaccurate balances. They have not been verified to be belonging to me. They have also, reached the reporting limit statue of 7 years. I am requesting that the following student loan accounts be removed from my credit report immediately. This is negatively affecting my score, debt to income ratio, and the process of buying a home. I will wait 14 days to ensure the removal of the accounts listed below before I proceed further. I hope that this matter is resolved in a timely manner. 
The accounts to be removed are as followed : XXXX XXXX XXXX XXXX Closed : XX/XX/XXXX Closed XXXX XXXX XXXX XXXX Closed : XX/XX/XXXX XXXX XXXX XXXX / XXXX {$430.00} XX/XX/XXXX ( 3 yrs, 3 mos ) XXXX XXXX XXXX / XXXX {$440.00} XX/XX/XXXX ( 2 yrs, 6 mos ) XXXX XXXX XXXX {$530.00} XX/XX/XXXX ( 2 yrs, 6 mos ) XXXX XXXX XXXX {$1200.00} XX/XX/XXXX ( 2 yrs, 11 mos ) XXXX XXXX XXXX {$1500.00} XX/XX/XXXX ( 3 yrs, 6 mos ) XXXX XXXX XXXX {$1800.00} XX/XX/XXXX ( 6 yrs, 9 mos ) XXXX XXXX XXXX {$2000.00} XX/XX/XXXX ( 4 yrs, 6 mos ) XXXX XXXX XXXX {$2200.00} XX/XX/XXXX ( 2 yrs, 8 mos ) XXXX XXXX XXXX {$2200.00} XX/XX/XXXX ( 3 yrs, 3 mos ) XXXX XXXX XXXX {$3000.00} XX/XX/XXXX ( 6 mos ) XXXX XXXX XXXX {$3100.00} XX/XX/XXXX ( 6 yrs, 6 mos ) XXXX XXXX XXXX {$3500.00} XX/XX/XXXX ( 6 yrs , 9 mos ) XXXX XXXX XXXX {$3500.00} XX/XX/XXXX ( 6 yrs, 2 mos ) XXXX XXXX XXXX {$3600.00} XX/XX/XXXX ( 8 yrs, 2 mos ) XXXX XXXX XXXX {$4300.00} XX/XX/XXXX ( 2 yrs, 11 mos ) XXXX XXXX XXXX {$4500.00} XX/XX/XXXX ( 4 yrs, 3 mos ) XXXX XXXX XXXX {$4500.00} XX/XX/XXXX ( 5 yrs, 3 mos ) XXXX XXXX XXXX {$4600.00} XX/XX/XXXX ( 6 mos ) XXXX XXXXXXXX XXXX {$4700.00} XX/XX/XXXX ( 1 yr, 6 mos ) XXXX XXXX XXXX {$5300.00} XX/XX/XXXX ( 4 yrs, 3 mos ) XXXX XXXX XXXX {$5900.00} XX/XX/XXXX ( 5 yrs, 3 mos ) XXXX XXXX XXXX {$7200.00} XX/XX/XXXX ( 3 mos ) XXXX XXXX XXXX {$8400.00} XX/XX/XXXX ( 6 yrs, 2 mos ) XXXX XXXX XXXX {$9200.00} XX/XX/XXXX ( 8 yrs, 2 mos )

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 2021-02-20
Company: Experian Information Solutions Inc.
State: LA
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:
Experian Information Solutions, Inc. 
XXXX XXXX XXXX. 
XXXX XXXX, California XXXX Reference : Report # XXXX ( I HAVE PROVIDED IRREFUTABLE EVIDENCES TO EXPERIAN THAT THIS SHOULD BE REMOVED. COLLECTION AGENCY TELLS THEM NOT DELETE IT SO IT REMAINS ON MY HISTORY. THIS LETTER SHOWS WHAT I PROVIDED THAT EXPERIAN STILL IGNORES. I AM TOLD THE COLLECTION AGANCY TOLD THEM THE COLLECTION WAS VALID AND EXPERIAN LEAVES IT ON MY HISTORY. i HAVE REQUESTED A FULL COPY OF MY FILE AND EXPERIAN REFUSES TO SEND IT TO ME. I HAVE REQUESTED A DEBT VALIDATION AND VERIFICATION FROM EXPERIAN AN THE I C SYSTEMS AND NEITH WILL SEND IT TO ME. ) Subject : UNFAIR HEARING ON MY DISPUTE BY EXPERIAN Action Needed : IMMEDIATE REMOVAL OF UNWARRANTED COLLECTION FROM MY CREDIT HISTORY. 
Furnisher of Unwarranted Collection : XXXX XXXX XXXX XXXXXXXX on behalf of XXXX XXXX, {$900.00} 1. Exhibit 1 Credit Report with Collection Inf0ormation REASONS FOR REMOVAL : I disputed this collection item with Experian on XX/XX/XXXX. 
2. Exhibit 2 My dispute letter with verification documents sent to Experian. 
a. Attachment 1 Copy of my check # XXXX in the amount of {$200.00} to XXXX XXXX dropped through the mail slot in the door of the office dated XX/XX/XXXX. 
b. Attachment 2 - Copy of Life Storage email acknowledging my payment dated XX/XX/XXXX. 
c. Attachment 3 - Life storage receipt for my payment dated XX/XX/XXXX. 
d. Attachment 4 - Bank statement verifying XXXX XXXX cashed my check # XXXX. 
e. Attachment 5 - Copy of my check # XXXX in the amount of {$57.00} XXXX {$13.00} for additional rental payment and {$44.00} in late fees the manager refused to waive ) to XXXX XXXX paid to the office manager dated XX/XX/XXXX. I gave my move out notice to the manager before handing over this check. 
f. Attachment 6 - Bank statement verifying XXXX XXXX cashed my check # XXXX. 
g. Additional Information : i. Attachment 7 Email from XXXX XXXX ii. Attachment 8 - LatXXXX Notice from XXXX XXXX. My response to XXXX XXXX dropped through mail slot in the door of the office dated XX/XX/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 non-monetary relief
Consumer complaint received 2019-08-04
Company: AMERICAN EXPRESS COMPANY
State: IN
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:
On XX/XX/2019, I opened the American Express Platinum XXXX card with the understanding that that I would be receiving XXXX XXXX miles + XXXX Medallion Qualification Miles ( MQM ) after spending {$3000.00} and {$100.00} statement credit for any XXXX spend within the first three months of the card opening ( by XX/XX/2019 ). There was a {$190.00} annual fee for the card. 

On XX/XX/2019, I reached out to American Express to confirm if I met their eligibility requirements, which I did according to Customer Service Agent Inny. She stated that I made total of {$3600.00} qualifyingpurchases and until XX/XX/2019 statement closing spend threshold amount was not meant but now as that is made you will see the bonus miles issued to your account byXX/XX/2019. 

On XX/XX/2019, I reached out to American Express again in order to check in and see when I could expect to see the bonus mileage post to my account. This time, they stated that miles and MQMs will be credited to your account 6 - 8 weeks after you reach the Threshold Amount according to Customer Service Agent XXXX. I asked if I would see the bonus files post by XX/XX/XXXX, and they confirmed this. 

After waiting the prerequisite time and not seeing the bonus, I reached out to American Express yet again on XX/XX/2019. This time, they explained that I had only spent {$2500.00} in Qualified Spend Amount and I did not meet the spending threshold according to Customer Service Agent XXXX. They refused to clarify what spending was ineligible and why I did not receive the bonus despite two previous customer service agents confirming I would receive the bonus offer much earlier. 

I have met the spending requirements under the American Express Platinum XXXX card with purchases amounting to {$3800.00} between the card opening and XX/XX/2019 ( three month period ). American Express has refused to honor their agreement, decided to arbitrarily make up terms to renege on their agreement for the bonus, and has refused to remedy the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I 've written letters to Experian in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXof XX/XX/XXXX& XX/XX/XXXX XX/XX/XXXX & XX/XX/XXXX regarding inaccurate, fraud victim and outdated information showing on my reports. All 3 bureaus removed and reinserted the same information I disputed. I 've sent certified mail and there response time is not timely. I 'm very frustrated and after reading sec. 611 609 & 623 my rights were violated.
Inquiries : XXXX XXXX XXXX : XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX : :XXXX  XXXX XX/XX/XXXX XXXX : :XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX : :XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX : :XXXX XXXX XX/XX/XXXX Inaccurate Information : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX( old ) XXXX XXXX XXXX XXXX XX/XX/XXXX ( old ) WXXXX XXXX XXXX XXXX XX/XX/XXXX ( old ) same acct number x 2

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