BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-10
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I am writing to formally dispute the validity of one collection account listed on my credit report, which were reported by XXXX XXXX ( hereinafter referred to as " the Collection Agency '' ). Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ) as outlined in 15 USC 1692g, I am requesting verification of these alleged debts. 

I have thoroughly reviewed my credit report and do not recognize any of the details or accounts associated with the Collection Agency. 

I hereby request that the Collection Agency provide me with the following documentation within 30 days of receiving this letter, as mandated by 15 USC 1692g : A complete itemized statement of the alleged debt, including all charges, fees, and interest applied to the account. 
Proof of the existence of the debt, such as a signed agreement or contract between myself and the original creditor. 
Documentation showing that the Collection Agency is licensed to collect debts in my state.

Verification of the accuracy of the information reported to the credit bureaus concerning these disputed accounts.

If the Collection Agency fails to provide the requested information within the specified timeframe, I kindly request that they cease all collection efforts and remove these items from my credit report. Any failure to comply with my request will result in my immediate pursuit of legal remedies available to me under the FDCPA and other applicable laws. 

Please note that I expect all future communications regarding this matter to be in writing, as required by law. Additionally, any attempts to contact me via telephone or any other means, without adhering to the proper validation procedures and providing the requested documentation, will be considered a violation of my rights under the FDCPA.

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 2023-02-25
Company: AR Resources, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XXXX XXXX retained AR Resources , Inc. for legal representation provided false statements as well as two itemized bills each with different amounts AR Resources repsonse suggest that there was communication and issuance of financial assistance forms to be filled out when no such forms where provided to me. In my communications with the office of XXXX XXXX XXXX they expressed that all I needed to do was send an email expressing my financial hardship, which I did several times. AR Resources does not have the right to my health insurance information this is an invasion of my health information privacy. HIPPA Regulations have been violated and for that reason I have reported both XXXX XXXX XXXX  and AR Resources.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25
Company: Unifin Inc.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was contacted on XX/XX/XXXX, XXXXXXXX XXXX by text, I looked up the company and XXXX said it was debt collection agency, I replied HELP and for help and then requested a debt validation letter. It is now XX/XX/XXXX and I still have not received a debt validation letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: EQUIFAX, INC.
State: CA
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:
I recently asked each creditor on my credit report which is in collection or charge off for validation of this debt and proof that I am the owner of this debt. I asked for proof of validation via documentation which includes the original contract signed by me with my signature upon the contract. They did not have this proof or ignored me Therefore remove all the negative collection items on my credit report,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: Convergent Resources, Inc.
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Due to noncompliance with 15 U.S. Code 1681 ( e ) ( B ) and XXXX XXXX Compliance Standards, I would like to request that this account be removed from my credit report as soon as possible. It has been more than 5 months and I have never been given any information of the results of my request. I don't recall informations and I have never given permission to furnish any of the details on this account information. Account information disputed by consumer, meets FCRA requirements. I am requesting that this accounts referenced to the attached letters be removed from my credit report as soon as possible.

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 2023-07-10
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:
I have XXXX accounts that are in my name however these accounts are not mine I did not apply for 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 explanation
Consumer complaint received 2023-02-26
Company: EQUIFAX, INC.
State: MD
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:
To Whom It May Concern : I'm a recent victim of identity theft and fraud. I recently reviewed an extensive copy of my credit report included dark web alert ( s ) with the intention of trying to improve my credit and take care of my responsibilities and noticed HARD INQUIRIES that I wanted a little more explanation on, and they need to be deleted/removed from my credit report. I also recieved an alert on my experian account that a recent account has been opened with my social security number at XXXX XXXX XXXXXXXX, The claim # is : ( XXXX ) that does not belong to me. Please help. 

THESE HARD INQUIRIES LISTED BELOW ARE NOT MINE. I ALREADY FILED A IDENTITY THEFT REPORT & POLICE REPORT WITH MY LOCAL POLICE DEPARTMENT AND FTC.GOV. 

FTC Report Number : XXXX THE POLICE REPORT # : XXXX I DEMAND THESE ACCOUNTS LISTED BELOW THEY NEED TO BE DELETED/REMOVED OFF MY CREDIT REPORT IMMEDIATELY!. 



Hard Inquiry : XXXXXXXX XXXX delete it from my credit report, XX/XX/2022 Hard Inquiry : XXXXXXXX XXXX delete it from my credit report, XX/XX/2022 Hard Inquiry : XXXX - XXXX XXXX delete it from my credit report, XX/XX/2022 Hard Inquiry XXXX XXXX XXXX delete it from my credit report, XX/XX/2022 Hard Inquiry : XXXX XXXX XXXX delete it from my credit report, XX/XX/2022 Hard Inquiry : XXXX XXXX delete it from my credit report, XX/XX/2022 Hard Inquiry : XXXX XXXX delete it from my credit report, XX/XX/2022 Hard Inquiry : XXXX - XXXX XXXX delete it from my credit report, XX/XX/2022 Thank you for your time and help in this matter. Sincerely, XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
Wells Fargo charged unauthorized fees per the class action lawsuit.

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 2023-02-13
Company: Bread Financial Holdings, Inc.
State: IN
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
While on vacation in XXXX, Florida, I rented a vehicle on XX/XX/XXXX, at the XXXX XXXX XXXX XXXX near the airport. At that time I was charged for a rental period of one week, plus a deposit of {$200.00}, which was to be refunded upon turning in the vehicle. I used my XXXX XXXX XXXX XXXX issued through the XXXX XXXX XXXXXXXX. 

On XX/XX/XXXX I returned the vehicle to the rental agency, where an inspector checked for any damage and okayed the release of my {$200.00} deposit. The deposit would have been credited to my XXXX XXXX XXXX XXXX. 

Upon returning home I found a letter that arrived in the mail containing my new XXXX XXXX XXXX. The servicing of my account had been moved from XXXX XXXX XXXXXXXX to Comenity. After about a week I started looking for the {$200.00} credit to appear in my credit card transactions, but it wasn't there, so I emailed XXXX XXXX XXXX Their customer service rep checked with the XXXX office and verified that my deposit had been released on the day that I'd returned the vehicle. After waiting another week I contacted Comenity by phone and filed a dispute. Comenity does not have an online dispute tool, nor is there any online customer service. After hearing nothing from Comenity for some time, I sent a dispute letter on XX/XX/XXXX to their XXXX, Ohio address listed on my credit card statement. 

Late in XXXX, XXXX, I contacted Comenity by phone to inquire about my dispute. The agent was only able to say the the dispute is still under investigation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-13
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 has violated my rights. 

15 U.S.C 1681section 602A. 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: LEXISNEXIS
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Ive tried countless times to get respite from Lexis Nexus with reference number XXXX. The website gives me an error message, the phone service doesnt identify my responses nor my voice. An option to speak to a person alive is not available. I need my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
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: Information belongs to someone else

Complaint:
The term " investigate consumer report* means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the noht to orvacy 15 U.S.C 1631 Secton 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructor. I didnt give anybody written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: Paypal Holdings, Inc
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
In XX/XX/XXXX, I received a direct deposit of {$500.00} in my PayPal account. The same day I received and email that my account was being closed and that I can access my money in XXXX I called PayPal and no one can answer my questions I been on hold for hours and no resolution. I rarely use the account there are no suspicious charges because there is barely any money deposit it there. I beg and pleaded with PayPal to give me an answer and they all say I will have to wait 6 months to get my money. I contacted my XXXX  department at my job and they reached out to XXXX and since I waited the XXXX day to contact the XXXX department they cant reverse the payment. They stated federal banking regulations said I have to contact them within 5 days of the issuance. Well I did contact the XXXX department at my job Friday XX/XX/XXXX the day we got paid and the girl who took my concern did not put in the correct request like I asked her she simply stated that my account was close and my money should be return I had to call back last Thursday XX/XX/XXXX and speak with XXXX department and she told me about the federal banking regulation of 5 days to reverse payment. So because a call center rep took my concern down incorrectly I was outside of the 5 day period and when Payroll attempted to reverse payment XXXX said they could not do anything I will have to reached back out to PayPal. I just want my money and some answers on why it was close. They just have my money sitting there that I worked for. I dont understand I use the PayPal account for shopping and miscellaneous items I dont do anything else but that. I spoke to a supervisor he had it escalated and of course no one reached back out to me. People are heartless and no help when you call PayPal I need my money and a resolution. My reference number from PayPal is ( XXXX ID - XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Account number XXXX In the later part of XXXX, I received a loan from XXXX XXXXXXXX XXXX  for a XXXX XXXXXXXX XXXX XXXX. The vehicle was purchased from XXXX XXXX in XXXX. 

Immediately, after obtaining the loan from XXXX XXXX XXXX, my loan was miss handled and placed on multiple deferment programs during the height of the coronavirus pandemic. XXXX XXXX XXXX representatives commonly referred to these programs of deferment as the best course of option with regard to my auto loan. At times, the representatives almost pursued these deferment programs forcefully. After being placed on these deferment programs, I found out that my account with XXXX XXXXXXXX XXXX  was reporting as late or behind multiple month payments. The result was a continuous reporting to the three credit bureaus that I was behind on payments. This continuous late payment reporting caused me to never actually be able to catch up on the loan, or, get my account into current status. I called XXXX XXXX XXXX multiple times to get my account current and stop the reporting of negative information to the three credit bureaus. All of my calls were unsuccessful in resolving the problem. I was actually never able to convince the representatives to assist me in fixing my account so that I would stop receiving negative marks on my credit profile. 

I also called XXXX XXXX XXXX multiple times to have my account set up to take out automatic payments, I even called to have multiple payments taken out in one month. With all of my preemptive actions, I was never able to get that account current. This miss handling of my auto loan at XXXX XXXX XXXX resulted in the car loan currently being in repossession. Despite multiple efforts to come to an agreement with XXXX XXXX XXXX about the negative reporting to my credit profile. As well as being placed forcefully on multiple different programs.

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 2023-02-14
Company: Alorica Inc.
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
On XX/XX/XXXX, I took out a partially-secured loan with XXXX. On XX/XX/XXXX, XXXX sold this loan to SST. My original loan agreement was that I would receive a payout of {$3500.00} plus interest from a savings account created when the loan was originated once the account was paid in full. 

On XX/XX/XXXX I made the final payment for the loan. 

I have since made multiple calls to SST regarding receiving my payout and they have refused to provide me any information. During my last call, I was told they didnt handle my loan but couldnt tell me who did.

I have a letter from SST confirming my loan has been paid in full but no details on receipt my payout.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: EQUIFAX, 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 information incorrect

Complaint:
I paid the balance in full on the duo date, they took 3 days to process the payment and reported a full balance, I am paying interest and they report wrong balance. 
card number XXXX name XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX in the early evening i noticed that i had 250+ emails. when going through the emails i noticed they were all spam with languages that could not be deciphered. I immediately decided to check my bank account. i opened my bank account on my phone and noticed monies being moved around between accounts. almost immediately i received a phone call from the fraud department from my bank. they wanted to confirm what was going on in my account. i informed them that none of that was done by me. they immediately froze my accounts. i was at the bank for the next couple of days and it was determined that someone had access to all my information and had gotten into my bank account and opened other accounts and transferred money between all the accounts. I was told by the bank that when the scammer first got access to my account they signed into my account adding themselves as users and then every time we changed the accounts, they would try to access it, and when asked for the password would say they forgot the password. since they were users they were give a new password and would again have access to my account. with the banks help i opened new accounts ( three times ) then realized that the scammers were in the new accounts before i could even get access. the bank froze my home equity line of credit and i closed all my accounts. I now have no banking accounts in my name. i had to change my email and phone number witch has made it difficult to continue using many of the aps on my phone which were tied to my old email address. i was also advised to freeze my credit with all the credit bureaus and i also purchased lifelock. I filed a police report with my local police as well. the banks fraud department have been very helpful as has the banking staff. Seems the banking is how i became aware that my identity was breached, but i also got 1300 spam emails and numerous text messages, which led to changing my email and phone number.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: JPMORGAN CHASE & CO.
State: OR
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I charged {$900.00} on my Southwest/ Chase bank credit card XXXX XXXX for a purchase on a trip with XXXX XXXX XXXX XXXX. The trip was changed 3 times, and then canceled. I asked for a refund. After fighting with XXXX for months, they agreed to it. On XXXX XXXX or XXXX, XXXX, I called SWA/Chase customer service to see why the {$900.00} credit was not yet on my account. They said, yes, they saw the refund by XXXX for {$900.00}, and '' it would be back on my card today ''. However, when I called back today, XXXX XXXX, I was told that I wasn't going to get it " because the case was closed ''. They originally said XXXX got 2 MONTHS to respond to my claim, so they initially put a {$900.00} credit on my card. XXXX responded after 3 or 4 months, disputing my claim with absolutely no proof on their part, and Chase put the {$900.00} back on my card. I have been trying to get it back ever since, and was happy last week when they finally said I got it. Then, today when I called, they were back to stonewalling me, with NO explanation, saying once again " the case was closed ''. I had sent them proof of XXXX 's culpability in canceling the trip, but Chase refused to consider it.

Company response to consumer: Closed with monetary relief