BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-01
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving 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 2023-04-26
Company: Southwest Credit Systems, L.P.
State: MD
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:
Dear XXXX XXXX, I am writing in response to the letter I received from Southwest Credit Systems , L.P. ( " SWC '' ) regarding the above-numbered consumer complaint. I appreciate your response and your willingness to investigate this matter further. 

However, I am still not satisfied with the information provided by SWC and XXXX. In my original complaint, I requested a full bill of assignment that proves SWC has the legal right to collect this alleged debt on behalf of the original creditor. I also requested a bill of records that shows the details of the alleged debt, including the original creditor, the dates of the debt, and the charges. 

The billing statements provided by XXXX do not satisfy my request for a full bill of assignment and bill of records. They do not prove that SWC has the legal right to collect this debt on behalf of the original creditor. I need a legal document that proves SWC has the right to collect this debt, and until I receive that document, I demand that all collection activities be ceased immediately, including any reporting of the alleged debt to credit bureaus. 

Furthermore, I will not be mailing any disputes to the provided address. Instead, I will be conducting all matters through the Consumer Financial Protection Bureau ( CFPB ) to ensure that my rights are protected and that this matter is investigated properly. 

Please provide me with the requested legal document within 30 days of receipt of this letter. If I do not receive a satisfactory response within that time frame, I will have no choice but to pursue legal action to protect my rights under the Fair Debt Collection Practices Act ( FDCPA ) and other applicable laws. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/XXXX I noticed multiple derogatory accounts on my credit file. So I sent a letter via USPS on XX/XX/XXXX to XXXX XXXX XXXX  asking that they allow me to validate the alleged debt. I specifically asked for a breakdown of fees including collections cost and medical charges and a copy of the medical release from the provider of service with my signature. Additionally I asked them to cease reporting to all credit bureaus until the debt was validated by me. 

My Request was not honored instead they sent a generic letter dated XX/XX/XXXX stating the they have verified with their client and confirmed the debt was valid. 

After receiving this I responded on XX/XX/XXXX via certified mail advising XXXX  XXXX XXXX  that I did not ask for verification. I asked for VALIDATION which is actual proof of this alleged debt. I advised them that I have never heard of their client whom they've verified this information with. I asked them again to please send valid evidence that I had a contractual obligation to pay this alleged debt. I advised them that I am fully aware of my rights allowed under the FDCPA. I also advised them that withholding information from the medical provider is a direct violation and that I would seek damages accordingly. Additionally I demanded the deletion of all accounts they have on file if there was no evidence of this debt under my name. 

On XX/XX/XXXX XXXX XXXX XXXX  received my letter sent certified mail which i have proof. They ignored my request once again and sent me the EXACT SAME letter as before however this time it was dated XX/XX/XXXX. This company is clearly not compliant and have reported this invalid debt to the credit bureaus even after they received my requests. I have notified the XXXX  and notified all 3 credit bureaus of this company 's action. I need these debts DELETED from credit profile IMMEDIALELY. 
I will attach every correspondence sent to and from XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: Upgrade, Inc.
State: KY
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:
I have a problem with this company ( Upgrade credit card-XXXX XXXX Bank XXXX reporting that I have an open-ended revolving line of credit ; and yet they will not allow me to use my availability. Per CFPB is this even illegal? It should be reporting to the bureaus accordingly. I am not over my limit, I have not missed a payment, and when I wrote a correspondence asking when theyd review my card not working they stated they will not and it will stay locked forever. As in, I can never access the supposed open-ended availability. But yet are reporting opposite to all 3 bureaus? 

So theyre reporting an open ended LOC on a revolving account yet - I cant access the funds. Sounds like illegal reporting to me. If Im not allowed to use the card there should have been a note that it would be closed with NO availability. Instead theyre illegally reporting and I do not have access to the funds. Today was the most recent date of reading out to them. XXXX. Thanks for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12
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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX : {$0.00}

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: 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:
On XX/XX/2023 I contact CFPB in recording a issue with Discover Card about charges on my account that was not valid please refence CFPD case number COMPLAINT ID XXXX On XX/XX/2023 XXXX XXXX Executive Office of Customer Advocacy contact me by email saying they will look into the matter On XX/XX/2023.. I called into Discover because I had issue with using my card was told that my account was closed On XX/XX/2023 Received response from Discover saying that didn't provide information that I payed the merchant with a different in fact I provide them with info that I did and emails saying that they will refund me plus text message from merchant sayin they will. They say they looked into the matter but fail to say they closed my account in the process after i contact CFPB In which with they response they are causing financial hardship, emotional stress and damage credit from obtaining credit from other companies in the future

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please be advised that you are reporting the wrong address information and names on my credit report. I am in the process of a new loan transaction and the error is causing a problem with my credit scores reporting properly, so any help you can give me with updating this information as soon as possible would be greatly appreciated. 
My current address is : XXXX XXXX  XXXX XXXX , XXXX MS XXXX Please remove the following address ( es ), names, phone numbers and Employment data from my report as they do not belong to me and are being reported in error : Wrong Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX Wrong Phone Numbers : XXXX, XXXX, XXXX, XXXX, XXXX Wrong Employment Data : XXXX, XXXX XXXX, VA XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-10
Company: Credit Karma, LLC
State: PA
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: Billing dispute for services

Complaint:
Last year I signed up for FREE services from Credit Karma. I was sent an email from Credit Karma saying that my credit score went down. So I logged into Credit Karma. I looked at what they said caused my score to go down and I logged off. I was charged {$2.00} to do that apparently. Where is the Free Services?

Then 8 days later I get charged {$22.00} by XXXX. I called them and they said by checking my credit report that day on Credit Karma that signed me up for credit monitoring for {$22.00} a month.

This is ridiculous! They are taking advantage of EVERYONE. Credit Karma says they are free but they charged me {$2.00}. Then XXXX signs me up without my consent. I never inputted any credit card or account information with them. How did they get my account information to even charge my credit card??? They charged my account for {$22.00} without my consent. That is illegal!

Not only can you not trust computers and identity thieves, now you can not trust the people that are your only hope of protecting yourself from identity thieves!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/XXXX I noticed multiple derogatory accounts on my credit file. So I sent a letter via USPS on XX/XX/XXXX to XXXX  XXXX XXXX  asking that they allow me to validate the alleged debt. I specifically asked for a breakdown of fees including collections cost and medical charges and a copy of the medical release from the provider of service with my signature. Additionally I asked them to cease reporting to all credit bureaus until the debt was validated by me. 

My Request was not honored instead they sent a generic letter dated XX/XX/XXXX stating the they have verified with their client and confirmed the debt was valid. 

After receiving this I responded on XX/XX/XXXX via certified mail advising XXXX  XXXX XXXX  that I did not ask for verification. I asked for VALIDATION which is actual proof of this alleged debt. I advised them that I have never heard of their client whom they've verified this information with. I asked them again to please send valid evidence that I had a contractual obligation to pay this alleged debt. I advised them that I am fully aware of my rights allowed under the FDCPA. I also advised them that withholding information from the medical provider is a direct violation and that I would seek damages accordingly. Additionally I demanded the deletion of all accounts they have on file if there was no evidence of this debt under my name. 

On XX/XX/XXXX XXXX  XXXX XXXX  received my letter sent certified mail which i have proof. They ignored my request once again and sent me the EXACT SAME letter as before however this time it was dated XX/XX/XXXX. This company is clearly not compliant and have reported this invalid debt to the credit bureaus even after they received my requests. I have notified the XXXX  and notified all 3 credit bureaus of this company 's action. I need these debts DELETED from credit profile IMMEDIALELY. 
I will attach every correspondence sent to and from XXXX  XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: EQUIFAX, INC.
State: IL
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 ACCOUNT GIVING ME XXXX  I CAN'T EVEN SLEEP WITH THIS, PLEASE REMOVE IT FROM MY CREDIT REPORT, I SEND ALL TE DOCS THEY NEEDED TO REMOVE IT AND I'M BEGGING YOU PLEASE..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I deposited 3 checks on my chase checking account ... 1 it was for XXXX  XXXX XXXX XXXX {$2.00} check was for chase credit card XXXX {$3.00} check was on my name XXXX ... after 2 days ... my available balance it was XXXX .... I start making payments to XXXX XXXX XXXX XXXX {$20000.00} to chase credit card ... and others pays ... in 2 hours my account was overdraft XXXX .... for more then a month ... I dont have any money and all my direct deposit checks from my company ... goes directly into this checking account ... 
... I start taking money out of my credit cards with higher apr ... just to be able to survive and pay everything on time ... 
called chase several time and no one has an explanation about the error on my account and how the checks got cleared even if they werent made for chase checking account .... I need legal advice and I want to solve this problem before I lose everything ... money, house, credit ... 

XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27
Company: Rausch, Sturm, Israel, Enerson & Hornik, LLP
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I owe XXXXXXXX XXXX a debt due to a XXXX credit loan I applied for and accepted in XXXX. I fell behind on payments and was notified ( via mailed letter ) the debt was sent to Rauch Sturm who has now been charged with collecting payment. I have asked Rauch Sturm for billing statements detailing the amount owed. They, Rauch Sturm, have refused to send records prior to XXXX. I believe they are misrepresenting the amount I owe which is the reason behind their refusal. I have already spoken with XXXX XXXX  who stated they do have the records but will only send them to Rauch Sturm.

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 2023-05-07
Company: WELLS FARGO & COMPANY
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
Wells Fargo took advantage of me with my loan for my car. It also charged me fees in my checking account. I had many issues with Wells Fargo.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 noticed that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I can not accept this!

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 2019-08-19
Company: AES/PHEAA
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Yes I contacted the feldloan today XX/XX/2019 and before too and they told me that they didn't any reports because my loan are in stop payment until XX/XX/2019. Also they Sayed that not understand why my loan are like that because they never reported. All is related with students loan. And they recommend that contacted the XXXX. I am calling many time but nobody answered.. the only I need they check that information and remove that
Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting 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 submitting to inform you that I am scheduled to update my credit reports within the next 15 days. It is my sincere hope that the items listed below will be removed by the conclusion of this period, in accordance with FCRA Section 605b, which mandates the removal of items listed on an identity theft report with reference number # XXXX : -- -- -- -- -- -- -- EXPERIAN -- -- -- -- -- -- -- 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 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 2022-11-13
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This is NOT a duplicate report and this is not filed by a 3rd party or XXXX XXXX XXXX. In Accordance with the Fair Credit Reporting Act XXXX  these accounts below have violated my rights according to 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 a account without my written instructions. 

Please delete these accounts from my credit report. 

XXXX. Account Name XXXX XXXX XXXX XXXX Account # XXXX XXXX. Account Name : XXXX  XXXX XXXX XXXX Account # XXXX XXXX. Account Name : XXXX  XXXX XXXX Account # XXXX XXXX. Account Name : XXXX XXXX  Account # XXXX XXXX. Account Name : XXXX XXXX XXXX Account # XXXX XXXX. Account Name : XXXX XXXX XXXX # XXXX Account # XXXX  7. Account Name : XXXX XXXX  Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: EQUIFAX, INC.
State: AL
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 am writing to dispute the accuracy of the information on my credit reports provided by XXXX, XXXX, and Equifax. After reviewing the reports, I have identified several inconsistencies that I believe require immediate attention and correction. I kindly request that you investigate and rectify the inaccuracies in accordance with the Fair Credit Reporting Act ( FCRA ). 

Account Details : XXXX XXXX XXXX Account # : XXXX Account Type : Installment Account Type - Detail : XXXX XXXX XXXX XXXX : Individual Account Status : Paid Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX Balance : {$0.00} No. of Months ( terms ) : XXXX High Credit : {$12.00} Credit Limit : {$0.00} Past Due : {$0.00} Payment Status : Late 120 Days Last Reported : XX/XX/XXXX Date Last Active : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX Inaccuracies and Potential FCRA Violations : FCRA Section 605 ( a ) ( 2 ) - Reporting Accurate High Credit Amount : The reported " High Credit '' of {$12.00} is inaccurate for an account with a " No. of Months ( terms ) '' of XXXX. This may be a violation of FCRA Section 605 ( a ) ( 2 ), which requires credit reporting agencies to provide accurate information, including the highest amount ever charged to the account. 

FCRA Section 623 ( a ) ( 2 ) - Reporting Accurate Account Status : The account is reported as " Late 120 Days '' by Experian, but there is no information from TransUnion or Equifax regarding the account status. This inconsistency may violate FCRA Section 623 ( a ) ( 2 ), which requires accurate and complete reporting of account status.

FCRA Section 605 ( a ) ( 5 ) - Reporting Accurate Payment History : The reported " Payment Status '' as " Late 120 Days '' is not consistent with the " Date of Last Payment '' reported as " XX/XX/XXXX. '' This discrepancy may be a violation of FCRA Section 605 ( a ) ( 5 ), which mandates accurate and complete reporting of consumers ' payment history. 

I request that you conduct a thorough investigation into these discrepancies and take the necessary actions to remove the inaccuracies from my credit reports. As per the FCRA, please provide me with written confirmation of the corrections made. 

Enclosed with this letter are copies of supporting documents that validate my claims. I trust that XXXX, XXXX, and Equifax will fulfill their obligations under the FCRA to ensure accurate and fair reporting of consumer credit information. 

Thank you for your attention to this matter. I anticipate a swift resolution and the removal of the inaccuracies from my credit reports. 

Sincerely,

Company response to consumer: Closed with explanation