BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-11
Company: Experian Information Solutions Inc.
State: OH
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:
There was a fraudulent inquiry done with XXXX Credit Card Services on XX/XX/2018.  XXXX reached out to me to see if I applied for a new card. I explained that I had not requested any new credit with their company. They intern mailed me a letter to state that they would have the inquiry removed. I also file a dispute with XXXX and Experian as those are the two bureau 's that shows the inquiry. It is now a full 90 days later and the inquiries are still showing on my credit bureau report. I reached out to XXXX and they have contacted the bureaus by phone and nothing has been removed from my report. I am not involving CFPB as this is a violation. This false inquiry is effecting my credit score and it not fair to me as. a consumer. I would like action taken and would like the inquiry to be removed as the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-11
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Bankruptcy on my credit report not verified as required under FCRA Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ).

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 2018-07-01
Company: Bread Financial Holdings, Inc.
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I discovered over {$600.00} of XXXX " XXXX '' charges billed to my Total Rewards XXXX account statement dated XX/XX/XXXX thru XX/XX/XXXX I did not make or authorize anyone else to do so either at any time. After thoroughly reviewing the last 12 months of past statements in detail I came across another charge to my account that I did not make. The Chargers for a balance transfer dated XX/XX/XXXX {$400.00} I never made a balance transfer from or to this account since it's been opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Problem with rewards from credit card

Complaint:
Credit Card : BankAmericard Better Balance Rewards ; Date : XX/XX/2018 ; Amount : {$30.00} ; Description : 2018 Q2 reward was missing.

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 2018-07-01
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2018, I returned a leased XXXX XXXX XXXX to XXXX XXXX XXXX in accordance with my lease. The lease was for 2 years and XXXX miles and the car was returned with XXXX miles, within the lease agreement. I subsequently received a bill from Toyota Financial Services for {$3200.00} which included {$2600.00} for excess mileage, {$350.00} for a disposition fee, {$230.00} for sales tax, and a reduction of XXXX for an overpayment. I contacted Toyota Financial Services about the erroneous billing, and after researching the file they agreed the billing was in error, removed the excess mileage charge and waived the disposition fee, which eliminated the sale tax and agreed to refund the {$19.00} overpayment, which they did. 
Subsequently I received a call from a debt collector, XXXX XXXX. After researching the file again, XXXX agreed there was no amount due. 

I then received another from XXXX XXXX agent claiming the amount was due. I explained the error to the agent but she would not listen. I sent a letter to XXXX and to Toyota Financial requesting letters clarifying that no amount was due. Neither responded to my letters. 

Now I receive a letter from another collection agency XXXX XXXX, XXXX requesting payment for the same erroneous claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-01
Company: Experian Information Solutions Inc.
State: IL
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: Investigation took more than 30 days

Complaint:
XXXX XXXX listed a debt collection on my report for an amount of {$14000.00} for a car loan. On XX/XX/XXXX I wrote to Experian, I wrote to XXXX on XX/XX/XXXX, And on XX/XX/XXXX I  wrote to XXXX. I wrote to them sending them proof that this account must be deleted from my credit report because it was reporting inaccurate information. And on XX/XX/XXXX I received a letter from XXXX explaining their investigation procedure. On XX/XX/XXXX Experian informed me that the information I disputed had been updated. And XXXX NEVER RESPOND TO MY LETTER WITH ANY STATEMENT NOR LETTER. So on XX/XX/XXXX, I wrote to XXXX XXXX requesting a debt validation for this car loan which they say I owe. They sent back a letter stating I need to give them further information from the credit bureaus in which they are the ones reporting this inaccurate information to the bureaus. Shouldn't they have the information that they are reporting on my credit file? So on XX/XX/XXXX I wrote XXXX XXXX, AND EXPERIAN THE SAME LETTER SENDING THEM PROOF THAT THEY WERE REPORTING MISLEADING AND INACCURATE INFORMATION ON MY CREDIT REPORT FROM XXXX XXXX. After I requested in writing from XXXX XXXX TO VALIDATE THE DEBT IN QUESTIONED. AND THEY HAD NO RECORD OF THIS INFORMATION AND THEY STILL COULD NOT PRODUCE A VALIDATION BEARING MY SIGNATURE. Per FCRA, I requested a debt validation bearing my signature to prove I owe this debt, they have not been able to send this to me. Per the Federal laws, it is my right to validate any debt from a collection agency. I request full removal of this debt associated with any of the credit reporting agencies ASAP

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-27
Company: EQUIFAX, INC.
State: GA
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX I asked XXXX XXXX to remove the account they have reporting on my credit report and its been almost 2 months and they have not done anything to fix it. It still says investigation in progress. I would like it removed!

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX is reporting lates on my report and I am not responsible for said account. {$12000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX They are reporting an account that does not belong to me on my credit report. I disputed this account and they verified the account with the bureaus and I am unsure how since it do not belong to me. I would like someone to show what they verified this info with.

XXXX XXXX XXXX XXXX XXXX   DE XXXX ( XXXX ) XXXX XXXX is reporting a medical bill that i disputed and showed proof of insurance. They still have not removed it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11
Company: CL Holdings LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XXXX XXXX XXXX IS ATTEMPTING TO COLLECT A DEBT BY USING AN INTIMIDATION tactic by placing the UN-VALIDATED collection on my report. Under the law, they are NOT suppose to do that! That is considered collection activity! This Debt needs to be deleted immediately. I have NO signed contracts with them OR THEIR CLIENT!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AP
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:
I have sent prior request from the credit bureaus on the charge off account status on some accounts XXXX XXXX XXXX, XXXX XXXX XXXX on my credit report, namely after several attempts, they did not delete the accounts nor gave me an explanation as to why they wont delete it..I have been denied credit because of this erroneous information.. All I ask is that you delete this information from my credit report right away

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 2020-07-10
Company: Commonwealth Financial Systems, Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Repeated calls from this number and they ask for XXXX XXXX once I acknowledge who I am they wanted to talk about the debt with out reading the XXXX XXXX. They then hung on me when I asked to speak to a supervisor and I when called the number back and they would give me the fax number to have my bankruptcy attorney call them to place a cease desist to stop the calls. 

They need to send this is true debt I need validation from the original creditor. The debt collector need to contact the original creditor and send documentation of the debt. And no more calls to my number. They also need to read the XXXX XXXX before they start to try speak about case specific that a debt has been placed in their office. 

This is the 2nd time I have to file a complaint this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-14
Company: NATIONSTAR MORTGAGE LLC
State: TX
Product: Debt collection
Sub-product: Mortgage
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX XXXX XXXX home loan servicing assigned a XXXX balanced loan to Nationstar. 

After transfer, to date Nationstar claims more than {$110000.00} is due.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11
Company: John C. Heath, Attorney at Law, PLLC
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
Did nothing at all for my credit repair. Never used my third credit report. Only use two credit agents constantly sent my third agency information with it never being add. Supposed to dispute items but made my credit report worse. 
Cancelled after not seeing one thing resolved and was charged for a month after service was cancelled. A waste of time and money. 
I want a full refund. 
Never use XXXX XXXX, no one ever has any answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-10
Company: EQUIFAX, INC.
State: MI
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 have some hard inquiries on my Equifax credit report that needs to be deleted as soon as possible because the companies have already sent the proper documentation to Equifax to have these removed all my credit report because they were unauthorized. I am trying to qualify for a mortgage but do n't want to apply for anything until these are removed. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
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:
I am a victim of identity theft. I banked with Bank of America for several years. Someone accessed my account and made a {$300.00} deposit into my checking account using a paper check that was stolen from my apartment. I have attached a copy of the police report. The deposit was made at a Bank of America ATM machine so there should be a video tape of the deposit being made which will show that it was not made by me. Bank of America froze all of my accounts and then closed them because of this deposit. Upon handling the closure of the accounts I noticed that a new credit card had been sent out to someone else ( not me ) and that several charged to my credit card and debit card were made without my knowledge or authorization or approval. I notified Bank of America and they denied my claim saying that it was me that made the purchases. 

One of the charges on the debit card was for a XXXX office in XXXX Texas. The manager of the XXXX office acknowledged that it was not me that used the card! They told me that another patient used the card over the phone and that it was not XXXX XXXX who made the purchase. Bank of America knows this and has continued to attempt to collect this debt and has now reported my account to XXXX XXXX XXXX. 

Regarding the credit card, my limit was {$700.00} and I always paid my card on time. When my accounts were closed somehow my limit was {$5000.00} and there were several thousands of dollars in charges that I did not make. 

Bank of America told me that no negative reporting for the checking accounts would be made to any credit reporting companies, however that turned out to be a lie. 

Someone stole my identity, made copies of my cards and apparently stole checks too. Pull the surveillance video! It was not me!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05
Company: Kirschenbaum & Phillips P.C
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I got a summons in the mailed from at attorney office that XXXX XXXX XXXX. Hired the lawyer is kirshenbaum and Philip s PC address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ny XXXX. THE SUMMONS HAS A DIFFERENT NAME ON IT THE NAME IS XXXX XXXX. AND IT HAS MY NAME AKA XXXX XXXX. MY COMPLAINT IS THAT THIS ISN'T MY DEBT AND THAT IVE BEEN A VICTIM OF IDENTITY THEFT. MY NAME IS ADDED ON A JUDGMENT THAT BELONGS TO XXXX XXXX AND IM NOT THAT PERSON PLEASE HAVE THIS VACATED.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11
Company: BTH Management
State: MI
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:
XXXX XXXX is reporting to my XXXX  report that I opened an account XX/XX/2017 for a balance of XXXX. I did not opened an account during that time. I have requested they send me a contracted with my signature on that date and they have yet to do so. This debt is not mine. I would like to them investigate this account providing me with documentations and signed contracts of an account that was open on said date.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-30
Company: Experian Information Solutions Inc.
State: NC
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:
Inaccurate account appearing on my credit report the account. The account is past the date of first delinquency and needs to be removed. Account is a XXXX  acoount # 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 2019-02-07
Company: Grant & Weber
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a collection letter from Grant & Weber from creditor XXXX XXXX for the amount {$210.00} which I do not recognize those chargers and I have requested prove of the service reason of the chargers. 

All my medical transactions are made trough insurance and family doctor I know for year so I'm not sure how this company got my information to send me a collection letter from a creditor I do not recognize. 

Please review document attached and thank you in advance for your help.

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 2017-12-09
Company: URS Holding, LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
To whom it may concern, My wife and I have just recently received calls from both her parents and mine in regards to a debt we have with XXXX XXXX which is with XXXX XXXX XXXX XXXX After speaking to my father whom stated he advised the representative he was not Me that they were calling my father. They disclosed to him my balance the last time I made a payment. My father then told all my family members and it has affected my wife 's business. I would love for them them to clear this up but unfortunetly the damage is done. Not only are they affecting the way we make income but they placed us in an unbearable situation with the family.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01
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: Account status incorrect

Complaint:
I have tried numerous times to get XXXX XXXX XXXX XXXX ( XXXX ) XXXX Headquarters XXXX XXXX XXXX XXXX, CA XXXX and the credit bureaus to correct my credit report with no success. My debt with XXXX was discharged in Ch XXXX bankruptcy on XXXX XXXX, 2017,  yet XXXX is still showing me past due. They did not report me correctly during ( post-petition and pre-discharge ) or after my discharge. I have evidence to backup my claims. My credit was pulled by a creditor yesterday, and they gave me a copy of the report from Equifax showing that the XXXX XXXX and Equifax are still showing me with a " code 7 '' which says to the dealer I am past due on this debt. This is affecting the interest rate that I am able to get. Funny thing is, the report that Equifax shows to me, the consumer, looks right. But there is a " behind the scenes '' reporting that goes on that creditors see that consumers are not allowed to see that is not correct and I was fortunate enough to get this copy from the dealer. This willful refusal to correct my record post-discharge is robbing me of a fresh start and preventing me from getting a fair interest rate. The dealer is telling me that I am showing late with XXXX but all my other discharged debts are reporting correctly on their report. I have disputed this XXXX debt several times with each of the 3 credit bureaus and have contacted XXXX 's credit reporting dept. directly and was assured it would be fixed by XXXX months ago. I am asserting and claiming that they are involved in corrupt and deceptive reporting practices when my report shows something different than what the creditors actually see, and that this action is " willful '' disregard for the laws. To deceive me into thinking my record is correct by falsely reporting to me one thing, and then keeping the database of information inaccurate for what is shown to creditors that pull my credit, is deceptive and fraudulent. Thank goodness I had a creditor who was willing to give me a copy. I have attached a claims register showing XXXX was included in my bankruptcy, the discharge notice and the credit report from the creditor, showing a code 7 which means I am past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Experian had a security flaw in which our personal Credit Freeze PIN numbers may have been exposed. They never notified us, but I found out about it from XXXX XXXX the Consumer Advocate. Since the PIN is generated by Experian, I would like to change the PIN for a new one in  order to ensure that the previously exposed PIN due to Experian 's security flaw can not be used to thaw or otherwise access my credit. 

Experian does not offer a way to change the PIN or even request a new PIN on their website. I have tried numerous times to call Experian to resolve and have a new PIN generated, but I can't get through the automated system. It will either try and sell my a credit monitoring service or hang up on me. 

Since this is a somewhat series security issue and could allow criminals to circumvent the credit freeze, I would like Experian to honor the terms of the FCRA and generate a new PIN to ensure my account security.

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