BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-09
Company: WELLS FARGO & COMPANY
State: MA
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:
This account is being reported inaccurately and incorrectly on my credit report. I see multiple 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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 2020-06-09
Company: Commonwealth Financial Systems, Inc.
State: CO
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:
I contacted XXXX about 2 accounts that were not mine on XX/XX/XXXX, XXXX one for {$1400.00}, one for {$520.00}. I disputed these accounts and also contacted the company which is Commonwealth Financial XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX to find out why this was place in my credit report. The name was not mine, I never used an emergency Physician in my lifetime as I have had the same Doctor for 20 years. They asked me my birthdate and they said it was not correct. I spoke to a girl named XXXX with Commomwealth. She said  she would have them take it off, which XXXX did take it off. Then today XX/XX/2020, I get an email from XXXX telling me that they reversed it. This is NOT me and I need help to get this resolved. Can you please help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: World Acceptance Corporation
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Everyday 3-5 times a day from XXXX XXXX XX/XX/ 2020. I had to change my phone number it got so bad. They called friends and family members talking about the money I owed. I lost my job due to an injury and informed them that I would f be able to make the payment, so instead of trying to work with me, the repeated to call me, family and friends several times a day. To the point, where they had to block their number ( s ). They called from several different numbers every time. So it was usually one of the employees cell phones. I was cussed out the last time I spoke to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-21
Company: Experian Information Solutions Inc.
State: UT
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
Experian is the company that verifies identity for XXXX. Every year I am denied and have to go through a series of other steps through XXXX to verify my identity. As of today for the 2017 coverage year, Experian has not verified my identity even thought I have sent them the info needed. They do not allow disputes like this on their website and no one has returned my calls in any of the last 3 years that i have had this issue. I have a very extensive and excellent credit profile but my family and I are being singled out for this process every year. Last Year, My daughter was without coverage for 2 months due to this delay. I sent in a copy of my drivers license as I have every year but no response.

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 2017-03-15
Company: Io, Inc.
State: DC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have attempted to submit a dispute on XXXX site, when I enter my information it tells me that my information entered is incorrect and forwards me to an open webpage. I have free formed my dispute twice and received not response or resolution.

Company response to consumer: Closed
Consumer complaint received 2016-12-05
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Experian is reporting an unknown account XXXX/unknown company is reporting information on my credit file. I have notified them that this is not my account. I have also asked them to send me proof that I am obligated to pay them for this debt if they are suggesting that the debt is mine. I have not received any proof that they own this debt or that I am obligated to pay them. This account needs to be remove from my credit file. This is not my debt. This company have violated the FCRA by not providing me with proof that I am obligated to pay them and reporting a debt that do not belong to 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 2017-02-26
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Portfolio Recovery Assoc has been pulling my credit report every month. I do not have an account with them. I have never given them access to any of my personal information and they will not stop calling my phone and making threatening phone calls. THey are even running my credit twice in the same month.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-29
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
On XX/XX/XXXX, I filed a complaint with the XXXX regarding XXXX student loan accounts on my credit report. They stated that there were included in Chapter XXXX bankruptcy on XX/XX/2012 which is clearly incorrect. I never filed Chapter XXXX bankruptcy and on XX/XX/XXXX, I received a response from the XXXX from their XXXX Associate, XXXX XXXX, that he reviewed my credit report and it does in fact show that I do not have a Chapter XXXX bankruptcy on my credit report but yet verified the status of all XXXX accounts stating that they were in fact included in Chapter XXXX bankruptcy. This is a huge red flag and a violation of the Fair Credit Reporting Act.

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 2022-05-13
Company: Avant Holding Company, Inc.
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:
On XX/XX/2022 I was alerted by XXXX XXXX that a hard inquiry was made using my credit profile. The inquiry was made by XXXX  / Avant LLC located at XXXX XXXX XXXX, XXXX XXXX, XXXX, IL XXXX. I called Avant LLC at ( XXXX ) XXXX and gave them my name and social and they told me that someone had applied for a credit card and was approved. 

I asked them for the address and all information associated with the account. They refused to provide any information to me. 

I requested that they immediately cancel the credit card and send me written confirmation via email that the account was in fact canceled. They refused. 

I informed them that thy were knowingly participating in a fraudulent act. They told me there was nothing they could do. 

I asked to speak to someone in their Fraud department. They told me that someone would contact me. No one has contacted me. At this point it would appear that someone has stolen my identity and that Avant LLC is complicit in this act. There should be serious consequences for a company to participate in fraud. 

They refuse to provide any information regarding this fraudulent activity. Per XXXX, a supervisor in Credit Cards, who refuses to provide any further any identifying information. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-19
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
A credit card bill over 15 years old. Charged off on my credit report. Still being harassed to pay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-25
Company: Experian Information Solutions Inc.
State: VA
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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for 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 items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2022-08-05
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I'm glad to see that my report has been improved in numerous ways, including the deletion of certain accounts that I had previously disputed. However, there are a few accounts on my report that are fraudulent and the result of identity theft. I'd like to ask for your assistance in getting rid of the remaining few items on my report. According to FCRA section 605b, credit bureaus are required to remove or block any accounts that have been listed on an identity theft report. To prevent fraudulent information from being submitted in my report, I've included a few papers. 
XXXX XXXX XXXX Balance Owed : {$110.00} XXXX XXXX XXXX XXXX Balance Owed : {$570.00} XXXX  XXXX Balance Owed : {$1300.00} XXXX XXXX  XXXX Balance Owed : {$2600.00} XXXX XXXX XXXX XXXX Balance Owed : {$790.00} XXXX XXXX XXXX Balance Owed XXXX {$4400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19
Company: Federal Adjustment Bureau, Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I received a debt collection notice dated XX/XX/XXXX on this day of XX/XX/XXXX. My last date of residency for this account was XX/XX/XXXX. When we vacated the residence, we left behind a full month 's rent as a security deposit, a {$0.00} balance due for rent, a forwarding address ( which is current ), two current telephone numbers, and both of our email addresses if the company needed to contact us for any reason. Since this date, our family has not received contact by mail, phone, or email from the leasing office indicating that there was a balanced owed. The debt collection agency, known as XXXX, XXXXXXXX XXXX XXXXXXXX, XXXX, OH XXXX is claiming we owe {$630.00} to XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, OH XXXX. Again, we have not been contacted regarding any balance owed or damage inspected at our residence since we vacated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

ACCOUNT NAME- XXXX XXXX XXXX ACCOUNT # XXXX 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 my written instructions ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

15U.S.C. 1692 b ( 2 ) Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ( 2 ) not state that such consumer owes any debt ;

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 2021-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
hi transunionhas a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX transunion has me at a score around XXXX. That is a huge difference. transunion paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe depression and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

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 2018-07-18
Company: SYNCHRONY FINANCIAL
State: AR
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have previous filed a complaint against XXXX XXXX- I had insurance on all of my store credit cards with this bank. I had to used the protection plus insurance on my credit cards due to being sick. This company cancelled or terminated my protection plus insurance and accused me of fraud. This is totally unfair practice on their behalf. I had file an insurance claim due to XXXX, my doctor , Dr XXXX was terminated during the time I had an active insurance claim with this protection plus program, and all of this doctors patients was sent or placed with other physicians in the area. I was assigned to Dr XXXX in XXXX, Arkansas. I explained to my new physician that I had an open claim with XXXX XXXX/ XXXX XXXX XXXX and needed her to fill out the necessary paperwork to get my claim processed. Dr XXXX had a copy of most of my Medical records from Dr XXXX and filled out necessary forms for card security. At that time I was accused of fraudulent claim. And I was terminated from the program. As my medical condition became more advanced I contacted XXXX XXXX to find out what options I had on reducing my monthly payments. XXXX XXXX closed most of my store cards and reduced the credit limit on all of the other store cards that I hold from their bank. The customer service representative from XXXX XXXX, never told me a date that my payment would be due on. Ive contacted XXXX XXXX numerous of times to find out my due date on credit card payments and the customer service representative gave me several dates to pay my cards on. I am totally confused. XXXX XXXX   retaliated on me because I file a previous complaint on them and now ever month they are sending in to credit bureaus that I am 30 days late, this is totally wrong and they should be sued. XXXX XXXX refused to send me out a statement of my due dates. They have blocked my on-line access and telephone so I cant pay my bill. I have never been late with this company since I had become a customer until the customer service decided to give me false information on payment dates. After XXXX XXXX found out I had XXXX, I was terminated from XXXX XXXX and they are reporting my payments late to credit bureaus every month. XXXX XXXX also reduced the credit limits on my credit cards because my credit score dropped due to XXXX XXXX reported false information saying my credit card payments were late.

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 2018-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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:
Trans Union and XXXX are ignoring my requests to investigate, verify and remove addresses from my credit reports/files that do not belong to 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 2018-07-18
Company: EQUIFAX, INC.
State: NM
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 and Equifax are ignoring my requests to investigate, verify and remove addresses from my credit reports/files that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: Experian Information Solutions Inc.
State: AZ
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 account # XXXX has failed to properly validate this account and has slandered my personal credit profile. I sent them a letter XXXX XXXX in which they failed to respond with justifiable proof in the allotted time frame. At this point my rights have been violated and my personal credit profile slandered. According to these laws there's nothing more to discuss 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 also states a consumer reporting agency can not furnish an account without my written instruction.

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 2020-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 had an XXXX  account on my credit report that did not belong to me nor did I have a contract with. I submitted a XXXX  complaint and got a response from the company. They stated that they will inform the 3 credit bureaus that they will remove the account. I have the letter from the company as well as my XXXX  complain number Complaint ID : 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