BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-24
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$62000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$890.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$350.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2023-02-13
Company: EQUIFAX, INC.
State: AR
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:
According with the FAIR CREDIT REPORTING ACT # XXXX FORMERLY XXXX XXXX XXXX, has violated my rights 15 U.S.C 166b A Creditor May not treat a payment on a credit card acount under an open end consumer credit plan as late for any reason.!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05
Company: Ability Recovery Services, LLC
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
In XX/XX/XXXX, the debt collector threatened to add this medical debt on my credit file, and stated my score would go down. I inquired about the debt collector sending me Proof of the debt. I received the document and reached to the creditor. I advised due to the Presidents XX/XX/XXXX, Executive Order on strengthening access to affordable, quality health care coverage, that the debt could not be added to my credit file for 2 reasons : 1. The medical debt is under {$500.00} ( {$480.00} ) and that the collection agency has had the debt less than 6 months ( They received it in XX/XX/XXXX ). In the Executive order the President 's Administration also noted the following, the Consumer Financial Protection Bureau ( CFPB ) will investigate credit reporting companies and debt collectors that violate patients and families rights and hold violators accountable. The CFPB has already issued a bulletin to prevent unlawful medical debt collection and reporting. A month before the Executive order was signed, the three largest credit reporting agenciesXXXX XXXXXXXX, and XXXXannounced that they will no longer include certain forms of medical debt on credit reports, removing XXXX of dollars in debt from consumer reports. This change covers borrowers with already paid debts, unpaid debts less than a year old, and debts paid or unpaid under {$500.00}.

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 2022-02-25
Company: Professional Finance Company, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXXXXXX, is trying to collect an allege debt ( XXXX ) : {$100.00}, {$100.00}, {$140.00}, and {$140.00}. This collection company changes its address and refuses to accept certified mail requesting a copy of the contract I'm alleged to have signed that authorized payment of this fraudulent account. XXXX XXXX have changed the date ( XXXX ) of these alleged accounts to keep them active on my credit file report ( XXXX ). I have been denied credit or offered high interest rates by potential creditors. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX, is trying to collect an allege debt : {$350.00}. This collection company refuses to accept certified mail requesting a copy of the contract I'm alleged to have signed that authorized payment of this fraudulent account. XXXX XXXX XXXX XXXX XXXX have changed the date ( XXXX ) of these alleged accounts to keep them active on my credit file report ( XXXX ). I have been denied credit or offered high interest rates by potential creditors.

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 2022-02-25
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, experian and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.

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 2018-12-28
Company: HYUNDAI CAPITAL AMERICA
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Problem after you declared or threatened to declare bankruptcy

Complaint:
Hyundai Finc opened XX/XX/XXXX - was included in bankruptcy while in bankruptcy the total amount was suppose to be lowered to blue book valued price and payments were sent during the bankruptcy. The vehicle while in bankruptcy was wrongfully repoed and sold. The ending balance was recovered in the sale but finance company is still reporting the incorrect amount and caused the bankruptcy to be dismissed after not reporting the correct amount. The balance reporting is still incorrect and should be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: Experian Information Solutions Inc.
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: Personal information incorrect

Complaint:
Upon reviewing my credit report I have dispute and made several complaints about Experian not update my credit file on several incorrect address in my credit file. I have no knowledge of any of the listed addresses in my credit file but the one I have resided at for over 20 years plus, I have send verification of my identity in the past as in driver license and security card to Identity myself, my drive license with my 20 years plus address has always been on my driver license. In I'm demanding Experian once again to delete these incorrect address in my credit files & update my correct address which is only one address that should be listed. 
ThIs is my correct address XXXX XXXX XXXX XXXX XXXX MI, XXXX These are my FCRA rights to exercise in my demanding Experian to correct these errors list immediately!!!

15 U.S.C. 1681 section 2 : it Also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C. 1681 section 602 ( A ) states I have the right to privacy all cellphone number listed in my credit file is incorrect I demand for all phone number listed in my credit report to be removed as well. immediately!!!

All work history is incorrect as well I demand for all work history to be deleted as well immediately!!!

If these change doesnt be made immediately Experian will be in violation of FCRA rights

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 2023-02-24
Company: Experian Information Solutions Inc.
State: NV
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items or information which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you. Please block/remove these files.XXXX XXXX XXXX Balance {$1000.00} XXXX XXXX XXXX XXXX  Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$4000.00} XXXX XXXXXXXX. XXXX Balance {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NV XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX Balance - ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, NV XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX NV XXXX. 

If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX Account was created XX/XX/2022, due to identity theft, and as a result it is being reported on my credit report with inaccurate information. Also Experian and XXXX continue to report this inaccurate information, which is a part of identity theft, Police Report attached

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 2023-03-06
Company: Phoenix Financial Services LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
MY NUMBER IS ON THE DNC REGISTRY FOR YEARS NOW AND I HAVE NOT REMOVED IT FROM THE REGISTRY. MY PHONE NUMBER IS XXXX. PHOENIX FINANCIAL SERVICES LLC CALLED ME FROM XXXX. THE TEXT TOLD ME THEIR PHONE NUMBER WAS XXXX. THEY TOLD ME THEY WERE ATTEMPTING TO COLLECT A DEBT FROM XXXX XXXX XXXX  XXXX. ACCOUNT NUMBER XXXX. WHEN I CLICKED ON THE LINK IT DID NOT ALLOW ME TO INSTRUCT THEM TO STOP CALLING OR CONTACTING ME. THIS IS A FDCPA 1692F AND 1692G AND TFC VIOLATION OF 392.301 ( a ) ( 8 ) - AN ACTION PROHIBITED BY LAW. I HAVE A RIGHT TO OPT OUT OF CALLS AND TEXTS AND THEY MUST ALLOW ME TO DO SO. I CLICKED ON THEIR LINK AND TRIED TO INSTRUCT THEM TO STOP CALLING ME BUT I WAS UNABLE TO DO SO. THEIR WEBSITE FORCE ME TO THEIR " NOTICE '' PAGE AND IT ONLY GAVE ME TWO OPTIONS. TO PRESS A " CONTACT US '' OR AN " OK '' BUTTON. I DO NOT CONSENT TO ANYTHING SO I DID NOT PRESS THEIR OK BUTTON. WHEN I PRESSED THEIR CONTACT US BUTTON THE PAGE FLIPPED TO ANOTHER PAGE AND THEN BROUGHT ME BACK TO THE ORIGINAL NOTICE BUTTON. OVER AND OVER AGAIN, THE SAME THING HAPPENED. THIS IS ILLEGAL. IF THIS DEBT IS NOT MINE THEY SHOULD HAVE SEARCHED TO SEE IF MY PHONE NUMBER WAS REASSIGNED. THEY DID NOT SEARCH TO SEE IF MY NUMBER WAS A REASSIGNED NUMBER. THIS IS A 1692 ( B ) VIOLATION. THERE ARE ALSO MANY TCPA VIOLATIONS HERE TOO. THEY USED AN ATDS OR ADAD TO CONTACT ME. I WROTE TO THEM VIA TEXT MESSAGE LETTING THEM KNOW MY NUMBER IS ON THE DNC REGISTRY AND INSTRUCTED THEM TO SEND ME A COPY OF THEIR DNC POLICY AND TO STOP CONTACTING THEM. I DID NOT RECEIVE A RESPONSE. I GAVE THEM MY EMAIL SO THAT THEY COULD SEND ME THEIR DNC POLICY. I ASKED THEM IF THEY HAD MY CONSENT TO CALL ME WITH THEIR ATDS OR ADAD.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25
Company: EQUIFAX, INC.
State: FL
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 XXXX  ( XXXX XXXX # XXXX ) - ( XXXX  XXXX XXXX XXXX XXXX ) - ( XXXX XXXX XXXX # XXXX ) - ( XXXX XXXX XXXX  # XXXX ) - ( XXXX XXXX # XXXX ) - ( XXXX XXXX  # XXXX ) - ( XXXX XXXX XXXX # XXXX ) - ( XXXX XXXX XXXX # XXXX ) - ( XXXX XXXX XXXX XXXXXXXX # XXXX ) XXXX XXXX XXXX XXXX  # XXXX ) - ( XXXX XXXXy # XXXX ) - ( Regional XXXX XXXX # XXXX ) - ( The XXXX XXXX # XXXX ) - ( XXXX 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 an account without without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX at XXXXXXXX XXXX I received a phone call from a Wells Fargo representative saying there was a suspicious transaction with my debit card in Georgia. I told him Im not in Georgia and I live in California. He then told me I was going to receive a new debit card within 7-10 days and that it was going to be shipped to my home address in California. I asked if he could add it to my XXXX XXXX because I was going on a trip to XXXX California on XX/XX/XXXX, he said he did, but to access and use I would need my physical card to enter in my security code. I then called again that night just to see if my card could be expedited some how and the representative I spoke with said unfortunately because the card was already processed to be shipped I couldnt make any changes. 
XX/XX/XXXX I received a notification on my Wells Fargo app saying my debit card was shipped and it Was shipped to an address in NEW YORK. ( I live in California ). I then called Wells Fargo fraud department that day and they told me that message was a mistake because my card was sent to my home address in California. 
XX/XX/XXXX I got a phone call saying they are Wells Fargo and that there was fraud on my account. I checked my account and I was wiped out {$2700.00}. 
I called Wells Fargo fraud department, and told them the story how on XX/XX/XXXX I got the initial phone call for fraud and was sent a new debit card. I then told them I called to raise concern about the New York address. The senior analyst I spoke with said that it was a one time address change. I never requested an address change nor did I ever receive my debit card, so the employee initially helping me must have made that change without my consent. I called XXXX to follow up on my claim and they said it was denied, due to my card being physically put in an atm machine. I then spoke with another senior analyst about my issue And had concerns about my card never being shipped to my physical address, he was unaware of the issue as he said that it was not written anywhere.. dont you think banking fraud analysis write up everything a customer is saying in full detail? All calls are recorded and monitored so shouldnt they be able to look into all phone calls? Wells Fargo is hiring people who are making fraudulent activities to peoples accounts. Now Im negative, while having a family to feed and bills to pay

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 2021-06-09
Company: Kimball, Tirey & St. John LLP
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Very first notice I got from Kimball Tirey and St John in the mail was for {$15000.00}, the letter never stated my name anywhere on it. Instead it stated an ex and his girlfriends name. This began in XXXX of XXXX. When I reached out to the company they did not help solve this issue and sent me to collections. I received another letter in XX/XX/XXXX again stating the balance owed of {$15000.00}. I called the company again and the representative explained that the letter was not for me but for my ex and to not worry about it. It is still reflecting on my credit report for something I was specifically told not to worry about.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting 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:
After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance.

( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 

Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow.

I did not initiate any of these inquiries furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please.

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 2023-11-03
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting 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.

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 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 2023-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file 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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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