BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-07
Company: PRIMAVERA FINANCIAL, INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
PrimaHealth is reporting a charged off account on my reports that I have been disputing for some time now. I sent them a letter requesting validation of debt and it has been over 30 days and they have not responded in any way. Per the consumer laws and rights, if a consumer requests documentation and reaches out to a creditor to dispute an account with a creditor or bureau they must acknowledge and respond to the dispute. PrimaHealth is in violation of the FDCPA and I am requesting that this account is deleted from my credit reports!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
Company: Aldous & Associates, PLLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The XXXX Credit Bureau is reporting inaccurate information on ALDOUS. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. 

ALDOUS ( original creditor : XXXXXXXX XXXX XXXX  ) XXXX Balance {$130.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
Company: EQUIFAX, 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:
I only have one address XXXX XXXX XXXX XXXX XXXX Tx XXXX. 

All other addresses should be removed they do not belong to me and are causing issues with my credit, I am a victim of Identity theft. 
Please remove all incorrect information from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: Bread Financial Holdings, Inc.
State: OH
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:
When my husband and I returned from visiting grandchildren last XXXX, we received 3 surprising pieces of mail. The first was a statement from XXXXComenity Bank dated XX/XX/XXXX, indicating a balance of {$620.00} for a credit card account for which I had never applied. The second mailing was the plastic credit card for this account, which I have never signed. The third mailing was from XXXX XXXX attempting to verify if I had actually applied for a new XXXX XXXX XXXX account that included my name and Social Security number. 

We easily resolved the situation with XXXX XXXX, and even sat down with a local bank manager who explained how my personal information may have been compromised and suggested how we can protect ourselves from possible identity theft in the future. 

By contrast, our dispute with Comenity Bank continues as we attempt to restore my " very good '' credit rating and remove delinquent charges from a credit card account for which I never applied. 

On XX/XX/XXXX, I called XXXX/Comenity to contest this application and was told the issue would be resolved in 90 days -- not so! Next, I immediately contacted XXXX, XXXX, and XXXX to establish security credit freezes. 

Fast forward to XX/XX/XXXX AND XXXX, XXXX, when I received 2 separate letters from Comenity Bank, with which we've never had any dealings, to have my credit freeze lifted so they could process my application for an " XXXX XXXX XXXX '' account, again, something for which I had not applied. Calling our local XXXX XXXX XXXX XXXX, I was advised to check our credit report to see who had been inquiring about our credit rating, and to update XXXX that another fraud attempt had been made. 

Then, on XX/XX/XXXX, XXXX advised us that my credit rating had dropped significantly and suggested we file a dispute with Comenity Bank, which we did on XX/XX/XXXX. 

Once again on XX/XX/XXXX, I got another fraud alert that Comenity Bank had " flagged '' my (? ) account " Charged off as bad debt '' -- supposedly explaining my lowered credit rating, according to the XXXX representative we spoke with on XX/XX/XXXX. Now I was advised to file a " police report '' of Identity Theft with the FTC. 

Obviously, not all financial institutions are as diligent as XXXX XXXX in verifying who is actually applying for credit cards/accounts. Comenity Bank has been nothing short of irresponsible in dealing with us, not even bothering to continue sending past-due statements since XXXX, XXXX, to alert us that the " bogus '' account was still active. As a result, my credit rating has suffered a drop of about 200 points, from a rating of " very good '' to " fair. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-26
Company: Ray Klein, Inc.
State: OR
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I had medical debt that was sold to the debt collector, XXXX XXXX XXXX  in Oregon. Original amount was $ XXXX. I was never notified of any intent to sue. In XXXX, I was informed there would be a garnishment of my wages and provided a paper that stated they had received a judgement against me back in XXXX. I was NEVER notified of this intent to sue or the outcome of the judgement. I lived at the same residence from XXXX until XXXX so there is no excuse for this. Additionally, when I called them to ask- they stated they served my Husband on behalf of me- in XX/XX/XXXX. This also did not happen. When pressed further on a specific date and location of when they served him- the call suddenly became dead air and I waited on the line for a while before ultimately disconnecting the call. This judgement was almost double the amount originally owed. 

Recently I had to pay off the full amount for a loan purpose- and they did not inform my employer that they had collected the full amount until after I had been garnished again and overpaid by almost {$500.00}. I had to call and insist they email my payroll to correct this. During this time I was also informed that they had been charging a 9 % interest rate which ultimately resulted in paying nearly {$1000.00} more than the original judgement.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: EQUIFAX, INC.
State: TX
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
i over paid a lot of money had house since 1997 '

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 2023-01-20
Company: EQUIFAX, INC.
State: AR
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:
My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with File Number # XXXX, # XXXX and # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. Please remove the following items off of my Credit File ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I need you to please comply with the Federal Law, fair Credit Reporting Act section 605b, and remove the disputed accounts and information off of my Credit File.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01
Company: M&T BANK CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
https : XXXX ( as reference ) Unfair and abusive Acts - why is there a fee to cash a check on an account from the financial institution that holds the account? 
I was given a check drawn on M & T bank account for {$800.00} I went to M & T to cash it and since i was not a M & T customer they wanted to charge me 2 % of the value {$16.00}!!! 
This is a check drawn on a M & T Account. 
This appears to be common but is abusive and should be prevented. The account holder has contracted M & T to provide that service, why is the beneficiary being charged?

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 2023-09-13
Company: EQUIFAX, INC.
State: MS
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 is XXXX XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-12-31
Company: EQUIFAX, 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: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX  IS REPORTING A {$35.00} BALANCE AS A PAST DUE 30 PAYMENT

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: Experian Information Solutions Inc.
State: NC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26
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:
This complaint is being made by the consumer XXXX XXXXXXXX XXXX XXXX XXXX Please see the identity theft report attached. I have Consistently disputed fraudulent accounts that result from identity theft on my credit profile. XXXX, Equifax, and XXXX each have not provided me with the results of the recent Investigation within the allotted time provided in the FAIR CREDIT REPORTING ACT. My person and household have been affected tremendously by the inaccurate credit reporting that these companies have been doing against me. I also feel discriminated against as I have disputed these items a multitude of times and cooperated with the guidelines of the FAIR CREDIT REPORTING ACT and have not been fairly treated. Am alleging that these companies are not in compliance with all applicable laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02
Company: MOHELA
State: WI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
This is not a customer service issue- it's a software issue. Mohela 's " security question '' for signing in does not properly function as a security question. Regardless of what question you receive, as long as you know the answer to another security question, you can enter it and it will let you log in. 

This is a vulnerability if any security question is ever leaked ( from Mohela or elsewhere ), the security question can just be bypassed regardless of if the leaked answer matches the question, if a user reuses their questions/answers for security questions. 

Why would you even select a random question for " security '' when you can use any of the answers to any of the questions that have been setup?

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This complaint is being made by the consumer XXXX XXXX XXXX XXXX XXXX Please see the identity theft report attached. I have Consistently disputed fraudulent accounts that result from identity theft on my credit profile. XXXX, XXXX, and Transunion each have not provided me with the results of the recent Investigation within the allotted time provided in the FAIR CREDIT REPORTING ACT. My person and household have been affected tremendously by the inaccurate credit reporting that these companies have been doing against me. I also feel discriminated against as I have disputed these items a multitude of times and cooperated with the guidelines of the FAIR CREDIT REPORTING ACT and have not been fairly treated. Am alleging that these companies are not in compliance with all applicable laws.

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 2023-02-11
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX : # XXXX, XXXX : # XXXX, XXXX : # XXXX, XXXX :, has 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26
Company: CARD Corporation
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Im not even trying to open any account and for some reason I got two similar random texts about a card number and then I had a debit card sent to my house today. Im afraid its happening again and Im getting worried someone is trying to steal my identity and mess up my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-12
Company: JPMORGAN CHASE & CO.
State: NY
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: Card was charged for something you did not purchase with the card

Complaint:
I lost my one chase credit card and one XXXX  XXXX credit card on XX/XX/2018 at XXXX XXXX. Someone used my this cards at XXXX XXXX XXXX XXXX XXXX XX/XX/2018 at XXXX XXXX. And same card used in XXXX   XXXX  also. I informed to my credit card company immediately About this transaction and request to cancel these transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18
Company: TOYOTA MOTOR CREDIT CORPORATION
State: PA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX XXXX ( XXXX ) XXXX traded in my XXXX and sold me a lemon with 4 balled tires, no sensors and I took it in to XXXX XXXX ( XXXX ) XXXX who harassed me for {$300.00} for a spare key. 

XXXX XXXX XXXX my landlord I watched steal the key and called XXXX. I had XXXX my car insurance tow the car back on the lot on camera and Toyota motor corporation refused to remove off my credit report. 

The brakes didnt work, the car didnt drive at all. I removed my tags and called XXXX XXXX police to gain access due to the fact it was a Saturday morning and the arm would not lift for the tow truck driver.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03
Company: ID Analytics, 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 have notice that an account from XXXX is showing in my credit report that i do not know of, I think I am victim of identity theft, please help me to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: AMERICAN EXPRESS COMPANY
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I left my card at the ATM or someone stole it. They went on a shopping / spending spree without the card company flagging for suspicious activity like they should. I did everything on my end such as freeze card, got replacement. I filed a police report I filled out the declaration of fraud paper and uploaded all to their site. They denied my claim due to ATM pin was used for ATM withdrawals. I don't agree however I never gave my pin out and the ATM is. Very open anyone could have been watching. However ; although I don't agree with their decision I guess it was negligence on my part to looses or leave card in the first place. But the on-line purchases which equal {$550.00} I can not understand reasoning behind the card company not crediting my account for. This was theft or fraud whichever it was not authorized by me. The card is the American express serve card which I had my federal income tax refund deposited on. I can not believe American express backs this unprofessional company. After not getting through to customer service for hours the getting hung up on or transferred to a representative that tells me she doesn't know and I'm unable to speak with someone in charge. I have requested all documentation from their investigation and they refuse to give that info to me. All I know is I got my refund of {$5000.00} and some odd dollars deposited to this card and I withdrew XXXX and never seen this card again and have no funds available to me. I am sickened by they way I have been treated and am desperately seeking help in this matter. I have filed a police report for theft but that is all I can do. Please help me!

Company response to consumer: Closed with explanation