BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-01
Company: Brown’s New Credit Bureau Inc.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX or XXXX Stated " Additionally per this dispute consumer lives in a " closed state for collections '' meaning since Browns Collection conducts business with an AZ license we can not mail anything to the consumer in XXXX Maryland with out a written signed consent. '' I did not nor ever have given consent to be harassed in writing or electronically. MY rights per the Attorney General in Arizona website were violated and FDCA. This is a demand for immediate remedy and recourse. 
XXXX XXXX XXXX The fact that an authorization letter has been sent with a fraudulent address knowingly made with the intent to collect a debt not owed or validated is grounds for identity theft because I never released this information to this company. 

15 USC 1692 15 USC 1681 HR 5332

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: AMERICAN EXPRESS COMPANY
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX, American Express sent a message to me notifying that my account has been placed in collections placement. After having on-time payments for 2+ years and due to the impact of COVID-19 which I've tried to communicate with them, they closed the account with no suitable justification other than the account having a past due balance. This measure seems very extreme and excessive and an unwarranted exercise of improper actions taking for a small account unless internally they're looking to close unwanted account from an act of prejudice.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: Checkr, Inc
State: OR
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:
Checkers Incorrect information Against me To deny me employment And some of the items that they listed I seven years Old XXXX and other credit They shouldnt be shown

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: Midstate Collection Solutions, Inc.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This company has committed fraud and aggravated identity theft by acting on my behalf with my private data pursuant to 18 USC 1028. They brought my data from a defaulted note purchased from XXXX XXXX XXXX  XXXX ; buying defaulted notes is a violation of UCC 9-110 and UCC 2- 401. As a private natural person consumer I have ben violated. They use the Credit Reporting Agencies to furnish a deceptive form on my report to make it seem as if there is a debt owed which is a violation of 15 USC 1692J. Apparently this company is a third party debt collector who unlawfully and illegally brought a defaulted note. Pursuant to 15 USC 1692c I never gave this company permission directly or indirectly to communicate with me. I have no contract with MIDSTATE COLLECTION SOLUTIONS. This company has used my data without authorized use which is a violation of 15 USC 1602P, to furnish a deceptive form to make me believe a debt is owed which is a violation of 15 USC 1692J. This company has committed fraud through the mail and by Credit Reporting Agencies stating I owe a debt that is discharged which is a violation of 15 USC 1692B ( 2 ). This company has used deceptive means like letters and using the CRA 's to communicate and furnish fraudulent information with my data to coerce me into paying a debt which is a violation of 15 USC 1692E ( 10 ). MIDSTATE COLLECTION SOLUTIONS can not and will not ever produce a contract between me XXXX XXXX and MIDSTATE COLLECTION SOLUTIONS because that contract does not exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
Accounts with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX have XXXX paid and settled. I have disputed these accounts to ask the credit bureaus to update the status correctly and the bureaus have not. I have reached out to the original agency to ask them to send an update to bureaus which did happen but the bureaus have not updated.

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 2022-08-01
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 pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and XXXX XXXX. I am demanding these accounts to be removed as I did not authorize or open these accounts.

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 2022-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Fraudulent accounts on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-25
Company: EQUIFAX, INC.
State: VA
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:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
XXXXXXXX XXXX never reported my car paid in full, never late please delete these inquiries from my credit report. i never applied for any inquiries XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX CARDS XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX Bank ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Bank ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX Bank ( XXXX ) XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX Bank ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX Bank ( XXXX XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Bank ( XXXX ) XXXX XXXXXXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX Bank ( XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Credit Union ( XXXX XXXX XXXX XXXX XXXX XXXX XXXXnquiry : 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 2022-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
XXXX financial never reported my car paid in full, never late please delete these inquiries from my credit report. i never applied for any inquiries XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX Bank ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Bank ( XXXX ) XXXXXXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX  ( XXXX ) XXXXXXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX Bank ( XXXX ) XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX  ( XXXX ) XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX Bank ( XXXX ) XXXXXXXX XXXX XXXXXXXX XXXX : XXXX XXXX, XXXX XXXX ( XXXX ) XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXX Bank ( XXXX ) XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX Bank ( XXXX ) XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX : XXXX XXXX, XXXXXXXX XXXX  ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX  ( XXXX ) XXXXXXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXXl ( XXXX ) XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXXXXXX XXXX ( XXXX ) XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Credit Union ( 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 2022-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
There is fraud related accounts that is reporting on my credit file. I have sent in a FTC report to all three credit bureaus more than 30 days ago and none of them took the proper action. Yet, those incorrect fraud accounts are still reporting on my credit report. This is violating. Instead of them removing the fraudently accounts due to me being a victim of identity theft they stated those accounts are verified. This is incorrect. I need those accounts deleted immediately from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: WELLS FARGO & COMPANY
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Hello, my name is XXXX XXXX XXXX. As of XX/XX/2022, I had a scammer calling me using Wells Fargo bank phone number XXXX ( XXXX ) XXXX the persone acted like someone from was using my bank info, after verifying my information he logged into my bank account he XXXX himself {$1000.00} Wells Fargo do not want to refund me the amount.. please help me please and thank 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 non-monetary relief
Consumer complaint received 2020-04-17
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was living at a boarding house at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, FL. I moved out on XX/XX/2019 with the understanding the owner, XXXX XXXX, would disconnect the services out of my name and put them into his own name. I relocated to XXXX, FL and never looked back. I signed my new lease on XX/XX/2019. I checked my credit report this week and saw an account from HELVEY & ASSOCIATES IN for XXXX XXXX in the amount of {$290.00}. I am NOT responsible for this debt as I was NOT living in the home, and I can PROVE that I was not living in the home. I am filing an FTC, FCC and FL attorney general complaint about this fraudulent account, fraudulent reporting on my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: MECHANICS BANK
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I was part of a fraud scheme where I was hired for a job, instructed to make purchases on my credit card to be reimbursed by the company I was hired at, I was reimbursed, then two months later the reimbursement payments were flagged as unauthorized and returned to the company 's bank leaving me with an unpaid bill. I was told to pay off my card balance initially then make the purchases. I contacted Mechanics Bank on XXXX and was told they could not help me because I was not on the account and did not let me file a claim with them. I do not have an account with Mechanics Bank, but I have all the account info that was given to me to authorize my reimbursement and attached the conversation showing authorization. 

XX/XX/XXXX I paid {$1100.00} from Mechanics Bank to my XXXX XXXX card XX/XX/XXXX I charged {$5800.00} to my XXXX XXXX XXXX XXXXXX/XX/XXXX A reimbursement of {$5800.00} was processed on my card from Mechanics Bank XX/XX/XXXX I was informed that my payments from XX/XX/XXXX and XX/XX/XXXX had been returned to my card and the balance was shown as unpaid XXXX Contacted Mechanics bank and they said they could not help me nor could I file a claim with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: EQUIFAX, 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:
In accordance with the fair credit Reporting act. The list of accounts has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681.

Account name. XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights.

15 U.S.C A. states I have the right to privacy.

15 U.S.C 1681 section 604 2 ; it also states a consumer reporting agency can not Burnish account without my written instructions USC 1681 see the section states no consumer reporting agency may make any consumer reports containing any of the following items of information and any other advise items of information other than records of convictions of crimes which antedates to report by more than seven years a person showing up furnish any information relating to a consumer to any consumer reporting agency if the person knows her as reasonable cost believe that the information is an inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
This is a formal notice that you have failed to respond in a timely manner to my dispute letters of XX/XX/XXXX & XX/XX/XXXX, deposited by mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. You have failed to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I had maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC for your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XXXX XXXX XXXX ), you may be liable for your willful non-compliance.

You exceeded your investigation and this need to be cured immediately. The attached item is entirely inaccurate and incomplete and represents a very serious error in your reporting. Please delete this misleading information. Under federal law you had thirty ( 30 ) days to complete your investigation, yet you have failed to respond. Do not delay any further.

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 2022-06-09
Company: Resurgent Capital Services L.P.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I HAVE NEW AND UPDATED INFORMATION ABOUT LVNV FUNDING LLC. Lvnv has been willful and neglient non compliance with federal law. They have violated my federally protected rights under the Fair Debt Collection Practice Act using abusive and harrasing practice to collect on an alleged debt.1.LVNV has been harassing me for multiple years, with over 100s of emails threatening to take legal action that can not be taken. 2. Lvnv compliance department responded and said they haven't used harassing tactics but attached are emails of them threatening to take legal action that cant be taken using harassing practice to coerce me in to paying the alleged debt. 3. XX/XX/2022 I sent an notarized conditional acceptance agreeing to pay the alleged debt if they can produce the documents listed on attachment within 10 days and they failed to do so which stated if they can not produce they can not rightfully enforce their claim, it as been XXXX months since they received the letter and still have not provided me with a lawfully claim I also sent an affidavit they failed to Rebuttal. 4. I have tried to resolve this issue and lvnv continued to threatened me with an lawsuit they have no standing on because a debt collector can not sue due to them not being the creditor and lvnv raised a claim against me in XXXX district court violating my federally protected rights. 5. When I called Lvnv and spoke with a representative she told me due to me disputing with the credit reporting agencies for two years against this account they brought a lawsuit against be which would be punishing me for exercising my rights. The complaint was pass the XXXX days and was not served to me but every time I wrote LVNV on cfpb they stated they could not respond because a case was pending when that was in fact a lie. They Illegal practices has and continues to cause me severe stress. They have sold my information to multiple companies to collect when they don't have the authority to have my personal information. Lvnv has failed to provide me with any information I asked for me to validate the alleged debt instead they continue to send the same statements when them and the creditor has different information listed its impossible to validate just off statements when I have a right to receive information according to the Freedom of Information Act. Attached documents to show proof They had 30 under the FDCPA days to validate the alleged debt or a copy of the judgement pursuant to 15 USC 1692 and they failed to do so. They compliance department also stated they do not have a time limit when the law says 30 days. This company has a problem with abiding by the law and shall be reasonably investigated for non compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1.This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX Account Number : XXXX Please remove it from my credit report. 

2. This is not mine. I am a victim of identity theft. Also Under 15 U.S Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief