BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-01
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$25000.00}, {$8600.00} {$21000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Laending Act, 15 U.S.C. XXXX666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of  verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
-OPEN ACCOUNTS- 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$25000.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$8600.00} -This is not my account. 

-CLOSED ACCOUNT- 3. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$21000.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-01
Company: R.M. Galicia, Inc.
State: HI
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I found out about a collections account with progressive management several years ago. I disputed the amount, and it was removed from my credit report. The account has popped up several times back on my credit report with more recent dates. I have never received ANY written notification from the company. Including notification that they were going to resubmit the debt to the credit bureaus

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-05
Company: Experian Information Solutions Inc.
State: NC
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 noticed unauthorized inquiry on my reports or noticed someone applied for something in my name. According to the FCRA ( Fair Credit Reporting ACT ), legally these unverified & unauthorized items must be removed. XXXX XXXX XXXX ( XX/XX/2022 )

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 2022-09-06
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for microcenter credit card on XX/XX/XXXX, XXXX application was denied for unknown reasons and never gotten a letter and I have a good credit score with XXXX XXXX well Fargo hasnt call me or explain why I want this inquiry to be removed for false advertising I have a fraud alert that might be the reason why it was denied and they never call me on my phone number to verify my identity Its been few weeks no decline letter or anything

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 2019-04-19
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
XXXX recently refunded a purchase I made to my Chase credit card. The card the money was returned to was closed by Chase last year. I have reached out to Chase to request this money be returned to me, however, they refuse to look into the matter. They have only sent me canned responses for over a month now, stating they will " get back to me within 6 business days ''. Every single time I reach out, they say the exact same thing - even though it's been close to 25 business days since I requested the help. Chase needs to return this money to me immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-17
Company: United Student Aid (USA) Funds
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
UNITED STUDENT AID FUNDS Closed :XX/XX/XXXX XXXX Closed :XX/XX/XXXXXXXX XXXX Closed :XX/XX/XXXX Attached is the settlement letter from XXXX a collections for XXXX also USAFunds. I reached a settlement last year with XXXX, paid Taxes as a earned income last year as well. I have tried to over and over to reach USAFunds to remove account from Credit Report with no luck, this is a sister company to XXXX. XXXX has sent me letters showing account closed XX/XX/XXXX Can send these in as well once I get them scanned.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I've talked to the bank & they've agreed to update the accounts. BUT TransUnion has some internal block which they're claiming they can use to not update the accounts because they feel they're above the law. When questioned why they're not accepting the dispute letter they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the dispute letter ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 
I have always made my payments on time. For some reason, I realized that there were 30 days late payments on my credit report. I have read enough to understand my rights. The TransUnion Credit Bureau is required to verify for themselves, but they failed to neither verify nor update me about these complaints. I believe the company is violating Sections 616 & 617 of the FCRA. I believe theyre unwilfully noncomplying with federal law & this issue is creating a ton of emotional physical stress. Id like this matter resolved ASAP as it is impacting my health & wellbeing. Please update or remove the late payment from this account. Below is the account with erroneous information and Id like remedied ASAP. 
XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX CARD SER XXXX Open Date XX/XX/XXXX Balance : {$0.00}, XXXX, XXXX. XXXX Open Date XX/XX/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 non-monetary relief
Consumer complaint received 2022-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX have violated my rights. 

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 written instructions.

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 2022-09-06
Company: CITIBANK, N.A.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Car parts totaling {$860.00} were purchased from XXXX on XX/XX/XXXX Order # XXXX using Citibank Credit Card. Parts were found defective and returned to XXXX on XX/XX/XXXX confirmed by XXXX. Refund or replacement parts were not received although many calls & letters were initiated since XX/XX/XXXX. I filed a dispute with Citibank XX/XX/XXXX - XXXX. I received correspondence by post on XX/XX/XXXX from Citibank dated XX/XX/XXXX indicating " We have made every effort to resolve this dispute with the merchant but have not been successful. '' We no longer have any additional recourse to pursue a credit for you. '' " You will need to seek other means to resolve this matter. '' I have not as of this date received a credit or replacement product.

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 2018-11-27
Company: Aldridge PIte Haan, LLP
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
In XXXX, I cosigned for a friend, XXXX XXXX, on his automobile which was a XXXX XXXX XXXX. The car dealership was called XXXX XXXX XXXX and it went out of business some time later. At the time, the car was worth {$3800.00}, and it was a lemon. XXXX was an abusive man and went to jail some time in the late XXXX and stayed in XXXX for 10 years. I was not working at this time because I had a young daughter with XXXX. She was born with XXXX XXXX. In XXXX, I began working at XXXX XXXX and as soon as I started working, an attorney contacted me requesting payment for the car. I have been paying {$120.00} a month for the last 12 years without missing a payment. And this debt has been sold from law office to office. Currently, it is XXXX XXXX XXXX that is contacting me for money. This last month, my granddaughter ( who is currently in a XXXX  hospital ) stole money out of my account. I tried calling XXXX XXXX XXXX two weeks ago to inform them that I would not be able to pay using my bank account, but I still paid today ( XX/XX/XXXX ) using a credit card at XXXX XXXX. Even though I still made my payment, they are contacting me and telling me that my account is under review and that are going to garnish my check. I am tired of being taken. I have payed over {$13000.00} and they are telling me that there is still {$12000.00} left to pay. I don't know what to do at this point, and any help would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: American Credit Acceptance, LLC
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: Credit inquiries on your report that you don't recognize

Complaint:
I didnt give anyone permission to run my credit report. Company agreed to delete inquiry.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-17
Company: Midwest Recovery Systems
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Midwest Recovery is representing XXXX XXXX and XXXX XXXX. These items are already listed on my credit report as the past due debt from XX/XX/XXXX. Midwest Recovery is submitted these debts as current past due debts for XXXX from XX/XX/XXXX and XXXX XXXX XX/XX/XXXX to current day. I do n't think these reports should be on my credit report as current past due bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-10-02
Company: Experian Information Solutions Inc.
State: FL
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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 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: In progress
Consumer complaint received 2023-01-04
Company: BARCLAYS BANK DELAWARE
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: Old information reappears or never goes away

Complaint:
Barclays Delaware bank is still showing on my credit report and it has been over seven years it should be removed by now.

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 2018-09-14
Company: AFNI INC.
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
AFNI XXXX XXXX XXXX  XXXX XXXX IL XXXX XXXX The above entity has fraudulently made claims that an old cable utility account ( XXXX XXXX ) is only 1 year and 3 months of age and therefore derrogatory. The account was opened and closed 8 years ago and has passed the statue of limitations. This is the second time this company has attempted to illegally collect on this debt and fraudulently report an incorrect age of the account in an attempt to extort money and damage my credit rating. Also, I have received no written notification and none of my attempts to contact the company have been successful. Neither calls nor written letters have been returned. I only discovered this report when I noticed my credit score sliding through a banking application.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: Berman & Rabin, P.A.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am receiving letters advising I owe this debt. I do not owe this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-14
Company: Auto Properties II, LLC
State: VA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
In the process of refinancing my home and title company receives a demand for payment from XXXX XXXX XXXX XXXX XXXX XXXX in the amount of XXXX for a debt that was discharged in a Chap. XXXX filing on XX/XX/2011. I contacted them in reference to this notice and explain that this debt was discharged in bankruptcy and was advised that chapter XXXX   only discharged my personal liability and not the lien that they referenced in the letter. I advised " XXXX '' that I didn't own the home during that time and they couldn't attach asset obtained after Chap XXXX and I would check with an attorney. I then ask him about the amount owed and he stated it was due to the interest that had accumulated over the years. I advised him I would need to speak to an attorney and wanted info on the original amount shown in his system before interest charged. He stated couldn't give me any more info because I stated I would speak to a lawyer and hung up. Call back and got the same rep who hung up as soon as I started talking. 
The letter they sent to title company provided a case number for judgement lien, which I checked with the court CMS system and its for a case where the " lien '' garnishment was released after Chapter XXXX  was filed. They misrepresented information sent to XXXX XXXX.!

Company response to consumer: Untimely response
Consumer complaint received 2018-02-05
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NV
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/XXXX, after 36 months of payments, I returned my car at the end of its lease to XXXX XXXX in XXXX, Nevada, and exchanged it for a new one. The dealership asked for both keys for the car I was returning. I said I only have one because the other one was stolen. The dealership asked whether I could produce a police report. I said yes and sent them a police report clearly showing the XXXX key among the items stolen. The police report is attached. They asked if I was reimbursed for this and I said no because my deductible was too high. The dealership ( XXXX and/or XXXX ) said that would be fine not to turn in the second key as I had a police report, and that all was taken care of. The car was returned in pristine condition and no other fees were charged to return the car. 

Several weeks later, in XX/XX/XXXX, I got a bill from Toyota Financial for {$400.00}. I called Toyota to ask what this is for, and was told it was for a missing key. I explained the above situation to them, and they said fine, thank you. I returned the invoice to them with a note repeating the above as well and thus do not have the original invoice to give you. For the second time, I thought the matter was done. 

But no. I subsequently got a call from the dealership in perhaps XX/XX/XXXX saying that Toyota did not waive the fee after all, and they felt bad about that, and would I like to split the cost with them? I told them no, that the cost of a key to XXXX was nowhere near {$400.00}, that the new owner already had their new key, and they needed to honor their deal as part of my taking on a new car lease. 

In addition, {$400.00} is also grossly inflated. The value of the key at the time it was stolen ( XX/XX/XXXX ) was reportedly {$220.00} according to the XXXX dealer ( invoice attached ) plus {$65.00} to rekey. 

I am now getting threats of collection from Toyota ( letter attached ). I have emailed Toyota through my account on their website and told them if they do not honor their agreement to waive the fee for the missing key, which clearly does not cost them anywhere close to that, that this would be the last car any of our family buys or leases from Toyota or XXXX. I told them hassling me over a missing key is not a way to take care of customers who have made thousands of dollars of lease payments on time for nearly four years now. I have not received a response. I can't believe I am wasting your time and mine over a key after now four years of on-time lease payments, but here we are. 

I would appreciate your intervention in getting Toyota to honor the dealership 's agreement to waive the fee for the missing key and stop hassling me with threats of collection activity. Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPE BY SILENCE, ENGELHARDT V GRAVENS ( MO ) 281 SW 715,719, 1 PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: 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: Their investigation did not fix an error on your report

Complaint:
Equifax has yet to remove the account XXXX XXXX XXXX from my credit report, even though it's been over 7 years. This is a violation of the FCRA. I have taken this matter up with them over two times now and they have yet to comply.

Company response to consumer: Closed with explanation