BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-08
Company: Experian Information Solutions Inc.
State: MA
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 am a victim of identity theft, and I did not make or authorize this charge. I am requesting that those charges be removed. 

I understand that failure to investigate these accounts within a period of thirty days will result in non-verification which requires that the above accounts be immediately removed from my credit file. 

I also understand that the Fair Credit Reporting Act specifically 15 USC sections 1681i ( d ) and 1681j requires that I receive both written notification of the appropriate corrections and updated credit reports at no charge.

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 2023-04-24
Company: EQUIFAX, INC.
State: NC
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 appreciate your quick action and effectiveness in removing some of the negative information that was previously listed on my credit report. For now, I believe there are still issues with my file that need to be fixed. I thus ask that all of the false information attached and listed in my credit file be corrected right now. 
XXXX Date of inquiry : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX XXXX Account Number : XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: Experian Information Solutions Inc.
State: GA
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, has violated my rights. 

XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ( XXXX ) XXXX 15 U.S.C 1681 section 602 A : States I have the right to privacy.

15 U.S.C 1681 section A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1666b : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

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 2023-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 appreciate your quick action and effectiveness in removing some of the negative information that was previously listed on my credit report. For now, I believe there are still issues with my file that need to be fixed. I thus ask that all of the false information attached and listed in my credit file be corrected right now. 
XXXX Date of inquiry : XXXX, XXXX XXXX  Date of inquiry : XX/XX/XXXX, XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX XXXX Account Number : XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX  Account Number : 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 2023-03-07
Company: Mercedes Benz Financial Services
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: Their investigation did not fix an error on your report

Complaint:
In XX/XX/XXXX I have financed a vehicle with Mercedes Benz Financial. I have all my payments on time and XXXX of XXXX I have decided to pay off my car and sent a balloon payment and paid off the car. I have requested a paid off letter from MB Financial and enclosed with this letter so you can review and verify with MB Financial Services. After paid off the car I have pulled my credit report and noticed that MB Financial has reported reported Repossession on my credit report. I have contacted them several times and they advised me it was a mistake and it will be corrected within 60 days. As of today noting has been corrected and they did not corrected anything. I have contacted them again last week and been advised that because of the account inactive now it is a problem for them to update. Now because of their mistake my credit scores are suffering and I am not able to obtain my student loan and been denied because my law credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: Complete Credit Solutions, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XX/XX/XXXX and XX/XX/XXXX- XXXX XXXX XXXX XXXX XXXX XXXX took payments from my checking account {$450.00} each of these months. Once I found out that a fraudulent furniture account was established in IL, I contacted the company and was told to file a police report and send them a copy. The police report was filed XX/XX/XXXX with the XXXX XXXXXXXX XXXX XXXXXXXX. I emailed a copy of the report to the creditor. I found out in XX/XX/XXXX that XXXX XXXX XXXX has been selling this account to collection agencies as a valid debt and I have disputed these accounts. Complete Credit Solutions {$9000.00} from XXXX XXXX XXXX. The other disputed account is XXXX XXXX XXXX XXXX which was opened XX/XX/XXXX and is listed as a lease. 

On XX/XX/XXXX, I received an email from XXXX XXXX, Complete Credit Solutions , IncXXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, Texas XXXX, PH XXXX FX XXXX. I was sent a fraud packet and advised that I would also need to report this incident to you.

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 2023-01-23
Company: Experian Information Solutions 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:
A few weeks ago I sent letters to all XXXX credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying XXXX using a XXXX party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or XXXX party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.

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 2023-01-23
Company: WELLS FARGO & COMPANY
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Had a auto loan with Wells Fargo Auto XXXX. XXXX received lots of notices, bills and calls regarding payments, extra fees owed. I started paying double and extra payments once I secured high paying job yet still I received calls about money due. Statements never added up to my calculations.

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 2023-03-08
Company: CITIBANK, N.A.
State: DE
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: Overcharged for something you did purchase with the card

Complaint:
On XX/XX/22, I went to a gas station in XXXX, XXXX, XXXX called XXXX XXXX  XXXX. They wouldnt take my credit card at the pump, so I had to go into the store to pre-authorized XXXX  XXXX  for gas. I filled up XXXX dollars worth ( I do not remember the exact amount, but I was only topping off a small tank [ XXXX XXXX ] ). I shouldn't have been charged the full amount and I didn't know this until I saw my billing statement showing I was charged the full XXXX. There is no way that my car would even take that much worth of gas if it was totally empty, so its totally impossible that this could even have been a valid charge. 

If the merchant wants to go back and check their records on the date of the transaction, they can look up and see my car on their video cameras and see how much gas I used. I have never disputed a transaction like this as it has never happened to me before. As far as I can tell this is total fraud on the merchant 's part and I should be contacting the police. All I am asking is to get my money back. 

I disputed this charge with Citi. They said they asked the merchant to accept my dispute, but that the merchant wouldnt accept it, so Citi declined my dispute. I appealed, went through more explanation ( sharing the above statements with them ), and the same thing happened the merchant declined the appeal, so Citi has re-issued the charge on my credit card. 

I DID NOT RECEIVE the merchandise paid for, only partial merchandise ( gas ). Thus my request is justifiable and I ask for the help of CFPB to force Citi to take the correct action here. After all, its client XXXXXXXX XXXX XXXXXXXX has committed a fraudulent transaction and I shouldnt be on the hook for this. 

MORE than happy to provide any additional information you may need.

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 2023-02-28
Company: Experian Information Solutions Inc.
State: PA
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:
Account Name : XXXX XXXX XXXX Account # XXXX & Account # XXXX Violation of 15U.S.C 1681 ( S ) 2 -This is inaccurate reporting Therefore delete account off my consumer report And Delete account due to Violating FCRA Rights I sent a dispute registered mail with return receipt to all three credit reporting agencies on XX/XX/XXXX. The credit reporting agencies did not do an adequate investigation within 30 days violating 15usc1681e ( b ) ; 15usc1681i ; 15usc1681c ; 15usc1681n ; 15usc1681a ( 3 ) it is now XX/XX/XXXX, and the dispute still has not been initiated nor finished NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL The attachment shows 35 different reasons why this account shouldve already been deleted over a year ago The account not being deleted over a year ago, proves I am owed monetary compensation for the violations 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 2023-02-28
Company: Early Warning Services, LLC
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
See response letter from company, however the following tokens are still, in fact blocked : XXXX XXXX XXXX XXXX XXXX XXXX All are blocked or tokens are blocked on their system, so they are not correct in their response that I have no blocks. That is false and untrue, when speaking with the zelle reps, the reason these are blocked are from confirmed fraud from XX/XX/2022 and they will not provide any explanation of what the confirmed fraud is. I did not confirm fraud on a zelle transfer. If there was reported fraud, if we have the user 's full name, we can then confirm that the fraud is not legiminate and is not the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: CREDIT ACCEPTANCE CORPORATION
State: HI
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
( All mailings were certified with return receipt. ) On XXXX I mailed documents including a Conditional Acceptance for Value/Proof of Claim ( s ) to the company requesting statement of accounts among other proofs from the company. They were given fourteen ( 14 ) days to respond. The company received my mailing on XXXX. I received no response. 
On XXXX I mailed an Affidavit of Truth-Notice of Default/Opportunity to Cure and a Bill of Particulars listing the violations I believed the company to have violated. They were given an additional 3 days. The company received my mailing on XXXX. I received no response. 
On XXXX I mailed another Affidavit of Truth including a Notice of Default/Second Opportunity to Cure and a calculated Bill of Particulars. They were given an additional 3 days to respond. The company received my mailing on XXXX. I received no response. 
On XXXX I mailed an Affidavit of Non-Response and Failure to Contest Acceptance and Agreement Evidence of Dishonor, a Notice of Acceleration and Demand for Payment. 
The company received my mailing on XXXX. I received a response on XXXX a letter dated XXXX in which the company rebutted only a couple of point made in my prior mailings. On XXXX, I mailed a response to their letter dated 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 2023-02-28
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX SSN : SS # : XXXX DOB : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several negative items that have been reported on my credit report. These items have caused significant emotional distress for me and have impacted my ability to obtain credit and other financial opportunities. 

The following items are being disputed : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX charge off account I request that you investigate these accounts and provide me with a detailed explanation of the information reported on each account, including the date of first delinquency, the date of last activity, and the current balance. I also request that you provide me with any documentation or evidence that supports the accuracy and validity of these accounts. 

Furthermore, I would like to remind you of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). The FCRA states that credit reporting agencies must investigate disputes within 30 days of receiving them and that inaccurate information must be corrected or deleted. The FDCPA prohibits debt collectors from engaging in abusive or harassing behavior and requires them to provide accurate and truthful information. 

If you are unable to provide me with the requested information, I ask that you remove these accounts from my credit report. I look forward to your prompt response and resolution of this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30
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:
There are accounts listed on my credit report that do not belong to me. Please remove them immediately.

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 2023-03-01
Company: Kohn Law Firm S.C.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I've followed up with a summon for credit card debt that i received by calling XXXX XXXX aka XXXX XXXX XXXX and i was told on the phone to hold that my call will be forwarded to Kohn Law firm and will be speaking to an attorney at the firm. I hold the line and the person who answered the phone did not give his name and spoke to me as he was an attorney and asked me all kinds of questions that i was not comfortable to answer. He started to ask questions like aren't you working for this employer giving my current employer name on the phone, how much salary i was making and accused me as liar. He has shouted as he was fighting with vulgar language. Today, at work, i received a call from same person and i asked his name and this time he has confirmed that he was the same person i spoke with yesterday XX/XX/2023. Employee at Kohn law firm XXXX XXXX was falsely claiming that he was an attorney and spoke to me with same manner and threats that i have a loosing case

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: EQUIFAX, INC.
State: KS
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 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 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 ( learned through more research both parties require ). Please block/remove these files. 
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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
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:
On XX/XX/2020, an XXXX XXXX was opened due to " Identity Theft ''. This account does not belong to me. This account is now showing on my credit report as " Paid and Closed ''.

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 2023-02-28
Company: Experian Information Solutions Inc.
State: PA
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:
Account name : XXXXXXXX XXXX  XXXX. Account # : XXXX. Delete XXXX FOR REPORTING INACCURACIES. previously disputed account. During the investigation XXXX followed the rules and DELETED the account. XXXX and Experian did not and are in current willful violation of my rights! XXXX and Experian, did not complete the investigation in the allotted time of 30 days. I sent a dispute registered mail with return receipt to all three credit reporting agencies on XX/XX/XXXX. The credit reporting agencies did not do an adequate investigation within 30 days violating 15usc1681e ( b ) ; 15usc1681i ; 15usc1681c ; 15usc1681n ; 15usc1681a ( 3 ) it is now XX/XX/XXXX, and the dispute still has not been initiated nor finished NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL The attachment shows XXXX different reasons why this account shouldve already been deleted over a year ago The account not being deleted over a year ago, proves I am owed monetary compensation for the violations 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 2023-02-28
Company: Experian Information Solutions Inc.
State: PA
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:
Account name : XXXX  XXXX XXXX ( Harming ) Account number : XXXX I sent a dispute registered mail with return receipt to all three credit reporting agencies on XX/XX/XXXX. The credit reporting agencies did not do an adequate investigation within 30 days violating 15usc1681e ( b ) ; 15usc1681i ; 15usc1681c ; 15usc1681n ; 15usc1681a ( 3 ) it is now February 27, 2023, and the dispute still has not been initiated nor finished NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL The attachment shows 35 different reasons why this account shouldve already been deleted over a year ago The account not being deleted over a year ago, proves I am owed monetary compensation for the violations 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