BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-22
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Dear CFPB, Beginning XXXX, I have mailed multiple disputes to XXXX, Experian and XXXX  for the following accounts. On XXXX XXXX, I mailed additional disputes to all of the above credit bureaus with the Police Identity Theft Report ( attached ) and Notarized Identity Theft Affidavit ( attached ) for the following accounts by USPS with Tracking Numbers. 

XXXX XXXX {$13000.00}, XXXX {$460.00}, XXXX XXXX {$200.00}, XXXX   {$84.00}. 

XXXX  and Experian removed all of the above fraudulent accounts except XXXX XXXX and XXXX  did not remove any of the fraudulent accounts, Because they have not removed these fraudulent accounts, it is severely damaging my credit scores and is preventing me from purchasing my first home for my family.

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 2020-11-15
Company: Experian Information Solutions Inc.
State: OH
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:
The accounts listed below is reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : 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 explanation
Consumer complaint received 2021-05-07
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
I received a wrist of garnishment from a company called Asset acceptance this garnishment is a fraud. I dont know what kind of deb is that. And I saw a case again me in court that was closed. The date of that case is XX/XX/2010. I assumed that company bought a deb but I still dont know which one. But Given the case the statue the limitation is expired and I earn less than {$750.00} per week and the they are taking money from my check. I don't know how they allow this scam company to do these frauds. I never received a judge resolution and this company is taken 25 % of my salary. I attached a copy of my paycheck.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24
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 recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Experian. 


1. Company Name : XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 2. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 3. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 4. Company Name : XXXX XXXX   XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 5. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 6. Company Name : XXXX/XXXX  Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 7. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 8.  Company Name : XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 9. Company Name : XXXX XXXX  XXXX Inquiry Date : XXXX XXXX, XXXX -Unauthorized inquiry by Identity Theft 10. Company Name : XXXX Inquiry Date : XXXX XXXX, XXXX -Unauthorized inquiry by Identity Theft 11. Company Name : XXXX XXXX  XXXX XXXX Inquiry Date : XXXX XXXX, XXXX -Unauthorized inquiry by Identity Theft 12. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 13. Company Name : XXXX XXXX   XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 14. Company Name : XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 15. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 16. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 17. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 18. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft

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 2020-05-13
Company: Conduent Incorporated
State: NV
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
On these days are the dates and amounts that funds were taken from my prepaid debit card without my authorization. 
XXXX {$160.00} XXXX {$140.00} XXXX {$130.00} I have been trying to get in contact with the company for 2 days.When I call either the line is busy, an automated system prompter becomes available then the phone automatically hangs up in which I have to keep calling back to back and also being charged each time I call.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-10
Company: CITIBANK, N.A.
State: ID
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:
Citibank Thank you Card is charging me a recurrent charge for XXXX XXXX XXXX in the amount of {$95.00}. I did not sign up for recurrent charges with this company and this is not authorized. I disputed the charge with Citibank but they sided with XXXX XXXX XXXX company and left this charge. I don't even have knowledge of account with XXXX as I no longer use a business computer.

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 2018-07-31
Company: Paypal Holdings, Inc
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I've been attempting to pay for Items on XXXX, two different payment methods were attempted. Both a credit and a prepaid debit card were used, both rejected numerous times. The error message shows, " Payment method not accepted, please use a different method of payment or check card details ''. The cards are issued from different banks and are separate from another, XXXX reps directed me to Paypal as they process payments for XXXX. The card numbers end in XXXX, a credit card, XXXX, a prepaid debit card. Both banks do not show any attempt by merchant to process payment, no declines from said merchant. Paypal reps gave me varying reasons for error including, a Paypal account is needed to use card on XXXX, or the seller only accepts payments through Paypal, or the card I'm using is linked to a Paypal account which is restricted. I was also told the email address I'm using could be linked to a restricted Paypal account, my email is XXXX and not linked to any Paypal account I am aware of. The seller of the items opened an unpaid item case against me and is now closed, I now have a strike on my XXXX account since I am currently unable to pay. Paypal needs to fix the error on their end, it appears I am not able to use any card on XXXX to pay..For their information, my XXXX user name is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
HIPAA Violation!!! I have received my confidential medical records in response without a prior written release, clearly violating my rights under HIPAA. Again, I DID NOT sign a HIPAA release form authorizing Transworld System Inc access to my medical records. They should not have access to XXXX XXXX, and Diagnosis Codes pertaining to my medical treatment. Do not keep sending me your generic validation letter! All collections pertaining to this debt needs to be cease and remove from my XXXX, XXXX  and XXXX  credit files immediately. This company is again violating my HIPPA rights as a consumer. I have filed a HIPAA complaint and filed a lawsuit against Transworld with my attorney. Remove this from my credit report now! This matter is not resolved and i will continue to file lawsuits and complaints until this debt is removed!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
Company: EQUIFAX, INC.
State: FL
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:
XXXX dropped my credit fios 9 points after i filed disputes, now will not take any disputes, reporting incorrect balances, also i can not dispute XXXX  ore equifax all i get is opps something went wrong.reporting incorrect balanced, paid off accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02
Company: Legal Recovery Law Offices, Inc
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Received a call on XX/XX/XXXX will include. 
Called number they had last 4 numbers of social security number. 
Someone name XXXX told me I owe around {$2000.00} plus for credit card XXXX XXXX XXXX. 
If did not pay now. I will be charged a court cost that would make around {$4300.00}.

I did let him know that I could not recall the card He told me I open it in XX/XX/XXXXand XX/XX/XXXX it when it went bad. XX/XX/XXXXtill now just getting informed. No written letter! 

After getting my brain to work - I called again Same person told me that I open account in XX/XX/XXXX- went bad in XX/XX/XXXX this time. 

Told him needed to ask 2 questions date of last activity & when did they received this information. He refused to answer. 

If this debt is minds it would be time barred California credit card 4 years )

Company response to consumer: Untimely response
Consumer complaint received 2021-05-07
Company: EQUIFAX, INC.
State: NY
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter about inaccurate & false reporting things on my credit report. it has been over 40 days an I havent received a response yet.I feel like Im being taken advantage of and ignore of my disputes. Section 611A it is plainly stated that a failure to completely investigate these items with in 30 days gives a reason to Immediately remove these accounts from my credit report.it has been over 40days so they should be deleted Promptly.I demanded that these accounts be deleted immediately or I will file for Litigation do to the stress youve caused me my information was also impacted by the equifax data breach and might have gotten into the hands of the wrong person

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26
Company: EQUIFAX, INC.
State: TX
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:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day 60 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes.They are just breaking the law and doing whatever they want to do. This is outrageous. I do not understand how they can operate in this manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We have applied for a mortgage Refinance with Santander Bank of our home and wanted to replace our septic system with part of the loan proceeds. We were even willing to have an escrow set up for the septic install. 
The bank said per XXXX XXXX guidelines its required to have a septic inspection and a new system installed if needed prior to closing. 
We applied for a Betterment loan from our local Board of Health and are in the process of the system install but it will take sometime to get the system completed. ( Covid slowed process ). What is the XXXX XXXX requirement for a refinance? The Board of Health has indicated they will write a commitment letter for the new septic install and we are currently living in the home. Is there a XXXX XXXX  waiver? Waiting is costing us money every day we don't refinance. 
BTW a new septic system traditionally does not increase value in a home so the upgrade will not impact the appraisal.

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 2020-08-25
Company: Experian Information Solutions 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:
Awhile back I lost my wallet with all my personal information inside. I did not think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report. XXXX XXXX XXXX {$28000.00} XXXX XXXX {$2800.00} XXXX XXXX {$110.00}

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 2018-07-31
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
We have excellent credit and pay all our accts within 30 days. However occasional fraud attempts result in need for replacement cards. Thus in early XXXX I requested a replacement card from XXXX and received it. But I also requested an additional card for my wife, which I had rejected years ago for lack of need. Subsequent and repeated requests for status resulted in being told that apparently no one was capable of accessing that information. Finally a call was received from an XXXX rep stating that due to a FRAUD ALERT ( about two years ago ) there was no telephone number on the FRAUD ALERT for them to contact me for approval. Huh? They just did, didn't they? 
The utterly frustrating experience of automated responses, virtual assistants and agents who can not access information is beyond belief. I simply wish to have an additional card for my wife. It has been impossible to get through the 3 credit bureaus automation to attempt to correct the lack of telephone numbers on their reports. I have no idea why that would not have been included. Today I received 3 separate " letters '' from XXXX incorrectly advising they were " confirming '' cancellation of Additional Card application ( s ) allegedly as I " requested ''. This has become a critical Catch 22 situation with no resolution within sight.

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 2018-07-02
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:
Company continues to report inaccurate collection on my report., from company 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 2023-02-24
Company: CITIBANK, N.A.
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: Public record information inaccurate

Complaint:
I have an hard inquiry on my credit report on XX/XX/XXXX. XXXX for a gas card with Shell/cbna. I did not apply for a shell card XX/XX/XXXX. I called them at this number ( XXXX ) XXXX to dispute the hard inquiry and wanted it taken off my credit report. They told me to contact you at XXXX. I did and got sent here. 
I did not apply for a card with them XX/XX/XXXX and all I wanted was this hard inquiry off 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 non-monetary relief
Consumer complaint received 2020-11-18
Company: Ability Recovery Services, LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2020 i filed a complaint against this company that is trying to collect a debt that i do not owe them i am asking them to show me proof of my signature on any contract with them either in person or electronically. I do not know this company nor have i signed a contract weather in person electronically by voice or any methods of agreement with them.

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 2019-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The credit bureaus are reporting erroneous information on my credit file

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 2020-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Awhile back I lost my wallet with all my personal information inside. I did not think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report. XXXX XXXX XXXX {$28000.00} XXXX XXXX {$2800.00} XXXX XXXX {$110.00}

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 2019-08-23
Company: Experian Information Solutions Inc.
State: GA
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 went look at my credit and there are still somethings on there that are not mine. I'm trying to get back in school and this is really holding me up. I saw on some billboard in my building from this attorney guy that you guys can help finally resolve this. Im doing this on my own behalf and I have contacted the police and FTC. XXXX/XXXX XXXX. XXXX/XXXX XXXX 4 XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX and there is another account as well that does not have a name. The account- # XXXX. There are also some inquiries that are not mine XXXX, XXXX and 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