BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-24
Company: ERC
State: OH
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 filed a complaint with CFPB on XX/XX/XXXX I have recieved 2 letters from Collections companies who were unable to send me written verificaion stating the account belongs to me. Ive called XXXX and tried tp upload documents so these accounts can be removed but they have put a time frame on it so if you dont upload it in the small time they give you it kicks you out the system. Once i knew that i finally got it thru. I ve also called XXXX  and the representative told me they had no way of uploading the documents and i would have to send out another certified letter which all these letters are costing me. I asked the representative i know they dont open all the letters and that was the reason for my call to get it handled over the phone so my letter wouldnt just be sitting there. He was unable to help me. Im uploading the letters from Enhanced Recovery and XXXX. XXXX, there did not send me any of the documentation i asked to prove these accounts belonged to me. XXXX  sent me a letter that i dont even have an account with. Also enhanced recovery sent me a letter asking that i send them my personal information!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: Experian Information Solutions 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:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights.

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 a account without my 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 2022-10-24
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:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022

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 2022-08-02
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022 i sent a letter regarding inaccurate things on my credit report. I still havent recieved any response. I fell take advantage of because my disputes are being ignored. Section 611 ( a ) states investigation must be completed in a timely manner. I demand these accounts be deleted immediately or i will file litigation due to the stress you caused me. My information was also impacted by the equifax data breach and my have got into the the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: Exeter Finance Corp.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I am submitting this complaint myself NOT a third party. There has been multiple violations inside of my consumer credit contract with Exeter Finance. I signed a Contract with the failure of general disclosures which are a requirement pursuant 12 CFR 1026.17 and is a violation. They are denying me of my rights and accused me of sending fraudulent documents which aren't true. I expressed my concern regarding a billing error but they did not send me documentary evidence in accordance with 15 USC 44 which MUST be provided to clarify and resolve the error. 15 USC 44 reads Documentary Evidence includes all documents, papers, correspondence, books of account, and financial and corporate records, and without all of those the error is unable to be resolved. Exeter Finance has not put the account on hold from collection of payment pursuant 12 CFR 1026.13d ( 1 ) which reads Consumers right to withhold disputed amount ; collection action prohibited. The consumer need not to pay ( and creditor may not try to collect ) any portion of any required payment that the consumer believes is related to the disputed amount ( including related finance or other charges ). Also 12 CFR 1026.13d ( 2 ) states Adverse credit reports prohibited. According to their contract they comply with Truth In Lending Act but have violated multiple sections that falls under it. I did not receive rescission forms or a disclosure regarding me of that right which I sent notice to exercise that right and rescind the contract via registered mail. It is my understanding that when I exercise that right pursuant 15 usc 1635 they must return money or property following.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: BARCLAYS BANK DELAWARE
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
There are hard inquiries on my credit reports that i did not authorize. I am a victim of identity theft. I have attached a copy of my police report. I ask that these be removed from my credit report immediately. 
The inquires that i did not authorize are : XXXX XXXX XX/XX/2022, XXXX XXXX XXXX  XX/XX/2022, XXXX XXXX XXXX XX/XX/2022.

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 2022-09-29
Company: U.S. Collections West, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have never lived at the apartment that is saying I owe this debt to. I have told numerous collection agencies that they have sold my debt to that I am a victim of Identity theft and that said agency removes the debt. I have never lived at this address I have never walked into this apartment complex and handed them my Identification to obtain an apartment. They allowed someone to apply online and move in without ever having to show proof of Identity in person. That person was NOT me! This is not my debt!! This apartment or rental agency failed to protect my identity.

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 2022-09-29
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: Old information reappears or never goes away

Complaint:
XXXX XXXX XXXX has been on my account two different ones since XXXX an it does not matter the last update, by law it is 7 years from the original date which is XXXX and Transunion will not take them off my credit report. The date updated IS NOT RELEVANT, what stands by law is the original date which is XX/XX/1999, 23 years on my credit report. I will sue Transunion if they do not take all XXXX XXXX XXXX off my credit report 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 non-monetary relief
Consumer complaint received 2022-10-24
Company: WELLS FARGO & COMPANY
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
On XX/XX/XXXX I went to the Bank to close my deceased sister 's checking account, with a balance of {$400.00}. I was told I needed to schedule an appointment with a personal banker. I scheduled for the following XXXX  and met with XXXX XXXX. I presented a signed and notarized Affidavit for Collection of Personal Property ( MN Statutes XXXX ) I presented a death certificate and even the signed will. Wells Fargo refused to close the account, stating I needed to file the will with the courts. I called XXXX back and left a voice message requesting that Wells Fargo explain what part of the MN statute was not being followed. XXXX called back stating that he had managed to get the legal department to " make an exception '' for me and they would close the account, I just needed to return to the bank and complete the process. I returned on XX/XX/XXXX, ( My third visit to the bank now ) and met with XXXX XXXX. She was familiar with everything. She phoned the service center to have the locked account released, and again they refused to unlock the account. They would not accept the affidavit. XXXX explained over and over that this had already been cleared. It took over an hour of arguing with the service center before they relented and unlocked the account. I went to Wells Fargo with clear direction from a paralegal that works estate settlement. I had completed all the information correctly and yet Wells Fargo repeatedly refused to follow MN law. I fear that most customers would be forced to endure lengthy and expensive delays because Wells Fargo, by design, refuses to allow money to be removed from their control without the longest possible delay.

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 2022-10-24
Company: EQUIFAX, INC.
State: TX
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:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose. 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 2022-10-24
Company: Convergent Resources, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received a notice from CONVERGENT OUTSOURCING on a debt that is not mine. I have no relationship with this company. 
They say it is in regards to XXXX which is investigating my account for FRAUD. How did this company get any information regarding this issue?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: LEXISNEXIS
State: GA
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 have experienced incorrect information about a bankruptcy that was submitted by someone other than myself, XXXX XXXX XXXX in my name and this information appears on my credit report I have asked all three credit bureaus to remove investigate and I never receive any response nor support. I would like for them to remove this is a deliberate action to stall and stifle my credit rights from with Section 1681 ( a ) ( 5 ) of the FCRA. The companies are XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX, XXXX, PA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX LexisNexis Risk Solutions XXXX. 
XXXX XXXX XXXX XXXX, GA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: EQUIFAX, 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX has sent me account documents that support I paid the account in full on XXXX XXXX, XXXX and the account was closed. Please see attached for the legal records. 

Equifax is reporting that XXXX XXXX XXXX reports that I was late paying the account in XXXX, XXXX, and XXXX of XXXX. This is not possible as the account was paid in full in XXXX XXXX and closed. Equifax is showing incorrect information on my credit report despite multiple attempts to get this information corrected. 

I am suffering quality of life issues given my credit score is severely reduced due to this reporting error that has no merit to be on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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 am unaware of any fraud activity on accounts listed on my consumer 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 monetary relief
Consumer complaint received 2022-10-24
Company: AMERICAN EXPRESS COMPANY
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
Around a year ago American Express Bluebird prepaid debit card division permanently suspended my Bluebird debit card while it still had a huge balance that I can no longer access. 

They then sent me an email claiming that their fraud detection algorithm detected what they believe is my violation of section 22 ( d ) of the Bluebird Member Agreement. 

They refuse to state what behavior or action I did that caused this algorithm to suspend my account nor did they give me any ability to appeal the decision. 

The first dozen calls to American Express outsourced call centers initially gave me hope because the poorly-informed, poor quality, and poorly-trained customer service reps said they just needed to contact my local bank about my main bank account to verify its ownership by me then they would be able to reinstate the card. At the time they couldnt because it was after bank hours. 

The next day I requested to speak to a supervisor since I could not easily understand the reps that would initially answer the phone. They clarified and said I was permanently suspended with no way of fixing the issue on their end and I would have to write a letter to their corporate po box if I was upset with the outcome.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-03
Company: Experian Information Solutions Inc.
State: MO
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 sent a letter on XX/XX/22 to remove erroneous items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again.,

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 2022-10-24
Company: United Revenue Corporation
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I set up a payment plan with the company and paid on it on XX/XX/2022 and I am receiving phone calls again regarding the same debt. The gentleman on the phone said I owed the full amount and I asked if this was the same amount that I had a payment plan on and he said he wouldn't have it if it was and then researched it in the system to find out if I had a payment plan on it and discovered I did. Why would I continue to have phone calls about a debt if it is being paid on. This is harassment since I have already agreed to pay the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: ERC
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XX/XX/XXXX, a phone call from a company that pretended to be Enhanced Recovery Company ERC - a debt collector called me Another phone call from the same number came on XX/XX/XXXX. This time I did answered, and the voice asked if my name was XXXX which I responded with a question, who are you? the person asked me if I've had bought or acquired in the past a vacation plan I did reply, I'm not interested on vacation plans and finished the call On XX/XX/XXXX, I did call the real ( legally authentic ) ERC, to get answers on their phone call. The ERC rep stated that they do not have anything on me. No reported collection or anything. So, it was a scammer call pretending to be ERC Immediately, I contacted an identity protection company, which helped me to place a " Fraud alert '' on my credit. 
Please advise on anything else I can do on this situation Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: Experian Information Solutions Inc.
State: DE
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded 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 non-monetary relief
Consumer complaint received 2022-10-24
Company: Avant Holding Company, 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: Investigation took more than 30 days

Complaint:
Thank you for forwarding the company response letter re : XXXX. I receive you copy on Wednesday. I called the number indicated on the letter and spoke with another phone rep, paid the balance in full, even though I have been reporting this as a fraudulent billing since XX/XX/XXXX. The letter stated because I didn't comply with their rules and speak to the second phone representative they never opened an investigation in the three ( 3 ) unauthorized billings. They noted in their letter I had called previously and spoke to one rep but did not stay on the phone to speak with the second fraud expert. I had waited approximately 20 minutes and no one answered the phone. Now I am being threatened with continuous late fee of {$39.00} and negative credit reports This Thursday when I paid the bill I was again put on hold for the other service rep, again no one answered the phone. The first representative was very nice and interrupted the elevator music on numerous times, apologized for the delay, said she was trying to contact the other representative, but after waiting 30 minutes I again hung up. My phone indicated I was on the phone call for 40 minutes. No body answers the phone to initiate a fraud investigation! On XX/XX/XXXX, I received an email, the payment was received by Avant.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: EQUIFAX, INC.
State: AL
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: SYNCHRONY FINANCIAL
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Synchrony Bank continues to harass me for debt I did not approve. A previous roommate stole my personal information before moving to a XXXX, Tx. He opened accounts with synchrony using my Personal information. I submitted all theft reports and documents to synchrony but they are still reporting to the credit bureau and have tried withdraw money from my bank accounts without my permission. Synchrony sent a letter holding me responsible for the fraudulent accounts because the merchandise was delivered to my house. That does not mean I am responsible for that debt. I mentioned it plenty of times. The thief is a former roommate, he lived here.

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