BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-23
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:
This is my Follow up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX CA XXXX XXXXXXXX XXXX XXXX XXXX XXXX  CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$620.00} XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-10-13
Company: W&A Intermediate Co., LLC
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Iv been receiving calls from WakeField and Associates for a couple months now, I dont answer calls from any number other than my area code ( XXXX ). Iv never received any paper mail from this collector in regards as to how much I owe or what I even owe them for. It showed up on my credit report today ( XX/XX/23 ) that I owe {$900.00} to them. No description. I thought it was a scam trying to take advantage of me but I would think that they would have sent me paper mail before taking action like this. I would like this taken off my credit report and proof that I owe them any kind of money to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
We have stated to Portfolio recovery 3 times to cease and desist as we are represented by council. Portfolio repeatedly called me in an attempt to collect the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-13
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 a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Hello, please see documents attached for more details. I hope you can help 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 non-monetary relief
Consumer complaint received 2023-08-15
Company: LJ Ross Associates
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received notification on my credit report regarding collections from XXXX XXXX XXXX XXXX XXXX # XXXX, with its original creditor XXXX XXXX. Ive never visited XXXX, nor its medical facilities. The collection date opened is XX/XX/2022, with a balance of {$1000.00}. 

Im requesting that the collections are removed from my account because it isnt mines.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: EQUIFAX, 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'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XX/XX/2023 ; XXXX XXXX XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-02-21
Company: Receivable Solutions LLC
State: SC
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:
There are multiple inquiries on my XXXX credit report that I do not recognize. I have notified XXXX in writing of the unrecognized inquiries and they responded with a letter telling me to contact the companies who received my credit report to find out if they opened an account in my name and that they can investigate and determine it was fraudulent. I do not know who the companies are that accessed my credit report but I know that they did not have my consen or permissible purpose.. The other two credit bureaus XXXX XXXX XXXX XXXX  ) did not report those inquiries. XXXX is willfully and knowingly in clear violation of the FCRA amongst other federal regulations and statues. XXXX is taking advantage of the consumer laws by dismissing my dispute without investigation! This problem has caused me much stress and XXXX  and has had a negative impact on my life. 
The second issue with XXXX is an account that is reported as a collection on my account that I do not recognize. I wish to see the original contract with wet signature of mine. It is an alleged debt of over {$4000.00}. I demand to have this account removed from my credit report. I have disputed this account and never even received a letter back from XXXX or notification of an investigation. I do not wish to have to seek counsel regarding these matters but it looks as though I may have no other choice.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15
Company: EQUIFAX, INC.
State: GA
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:
I am writing in response to your notice about an alleged debt : SOURCE RECEIVABLES M XXXX XXXX XXXX Before I can confirm or dispute this debt, I am formally requesting additional documentation under the Fair Debt Collection Practices Act. 
Please provide the following within 30 days : A copy of the original signed purchase agreement, contract, or other documents showing that I entered into this debt voluntarily and that you are the legal owner of this debt. 
A full accounting of the debt, including the original creditor, the amount owed, interest rate, fees, payment history, and the date you acquired this debt. 
Your license and credentials to collect debts in GEORGIA. 
Written notice of my rights to dispute the validity of this debt within 30 days under the FDCPA. 
I expect this requested information to be provided in full before I can respond further on this alleged debt. Please send physical copies of all documents to my address below. I look forward to your response within 30 days as required by law. 
Thank you for your cooperation. 
DELETE ALL THESE INQUIRES XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-01
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
On XX/XX/2023, my wife went to XXXXXXXX XXXX XXXXXXXX to make some purchases less than XXXX. She tried the newer card and an older card issued to us and her as an authorized card user. 

It was declined and confusing. We already submitted a complaint about the lowering of the credit limit but why then now couldnt we use the card. 

I called and found out it was closed or marked inactive as we didnt have activity on it since XX/XX/2023. Some store cards close a person for inactivity within XXXX months. This action on the card companys part makes no sense. It is confusing and misleading. We were baffled and misinformed. We never knew such action was taken. How embarrassing to go shopping and my wife saw our balance was okay and could have used the card? 

This is not good how to treat customers.

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 2023-12-08
Company: Experian Information Solutions Inc.
State: NY
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:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 
According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 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.

This is violation after violation after violation. This is causing me stress because I have no hope with this system

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 2023-02-26
Company: WELLS FARGO & COMPANY
State: KS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I sent a payment to pay the balance in full for the month in the amount of {$1100.00}. Wells Fargo only credited {$410.00}. They posted the receipt the incorrect amount on XXXX/XXXX/23. My bank paid the full amount of the check to Wells Fargo which was drawn the {$1100.00} from my bank on the same date. I have contacted Wells Fargo numerous times over the last 30 days to no avail. I have had to write a check to pay the most recent statement in full although the amount of that statement has yet to be adjusted for the credit due to Wells Fargo 's misapplication of the previous payment. Wells Fargo 's last position is that it would take them another 30 days to " investigate ''. It is time that a higher source intervene in this issue.

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 2023-02-22
Company: EQUIFAX, INC.
State: IN
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 ( XXXX/XXXX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: Experian Information Solutions Inc.
State: CA
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:
My credit report is showing late payments to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the creditor 's customer service representative.

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 2023-06-02
Company: PINNACLE RECOVERY, INC.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have a timeshare with XXXX XXXX XXXX and I constantly don't get the bill for the dues owed annually. They are due by XX/XX/XXXX. On XX/XX/XXXX the company sent it to Pinnacle collection agency without a initial bill nor any late notices. After recieving notice from Pinnacle I checked on XXXX XXXX and they have my correct address, email and phone number. The invoice said I owed XXXX plus XXXX in interest. Pinnacle added XXXX in collection fees. I immediatley paid the XXXX on the Pinnacle website stating that I would only pay XXXX XXXX dues and that if they wanted to send me an invoice for a law abiding amount of collection fee I would send it to pinnacle. Pinnacle sent another letter on XX/XX/XXXX that I owed XXXX to XXXX XXXX for dues and them XXXX. They keep changing the amount and I have repeatedly asked for ; 1. an original bill from XXXX XXXX 2. any notices XXXX XXXX sent me 3. what basis they have a XXXX fee for collection I just get nasty responses from XXXX and " we can't talk to you '' from XXXX XXXX. 
from what I gather NY has a 22 % maximum collection fee ( where I live ). XXXX XXXX has a posted 0.0493 % interest late fee. For XXXX days after XX/XX/XXXX today would give me a balance of original dues owed XXXX plus XXXX interest and XXXX monthly late fee equals XXXX. Today I will pay the difference of XXXX for {$260.00} to XXXX XXXX XXXX and want to get rid of this timeshare as they constantly do this!! 
I have copies of last years bill, the XXXX invoices from pinnacle and proof of payemnt of the XXXX. A 40 % collection fee is far beyond normal to charge and Pinnacle already took it out of the payment I made for XXXX XXXX stating I only paid them XXXX or so dollars so far. Please advise as I do not not pay my bills when I know about them but I will not pay for ransom!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23
Company: CCS Financial Services, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
$ XXXX balance XXXX XXXX Original creditor. Account information disputed by consumer, meets FCRA requirements.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15
Company: EQUIFAX, INC.
State: GA
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:
This letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payments ) is inaccurate. Please investigate and verify that all data for this account is reporting accurately including every notation date and balance whether reported or not. 

[ XXXX XXXX XXXX ] I also respectfully request to be provided specific proof that these alleged late payments were in fact late. I request to see statements and payment transaction records from the creditor that would prove that my payment was not submitted on time. It is my understanding that you must verify these items with the reporting creditor for accuracy. If they are unable to Provide that proof, or if lacking proof of these payments being late. please update my_ payment history to PAANL status ( Paid As Agreed, Never Late ) according to consumer protection laws

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09
Company: DISCOVER BANK
State: KY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
The card has higher than 6 % interest rate, which is what I am applying for to reimburse or lower my interest.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2023-12-11
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15
Company: Resurgent Capital Services L.P.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I'm not liable for the debt of {$550.00}. I don't have a contract with RESURGENT RECEIVABLES and I did not signed any paperwork with this company stating that I would pay them or owe them any money. Furthermore, this company has violated my consumer rights by not providing the requested original contract with my signature signed by me within in the time frame set by FCRA. I contacted the original credit XXXX XXXX XX/XX/2023 and declared my card stolen and reported unauthorized transactions had occurred with my card. As a result XXXX XXXX also violated my consumer rights by keeping the account open then knowingly sold verified identity theft debt to this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-04
Company: I.C. System, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
ics systems has placed a collection for {$1700.00} on my credit report of a XXXX XXXX account which is the result of ID theft. XXXX has stated several times that they have no knowledge of the account.I have provided copies of the police report as well.

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