BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-10
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Received initial contact from COLUMBIA DEBT RECOVERY XXXX DBA GENESIS on XX/XX/2023 via email stating I had a past due balance of {$5900.00} with included interest of {$92.00} that was originally placed for collections on XX/XX/2023. Initial email received on XX/XX/2023 did not contain my rights to dispute within 30 days of receiving this email so I sent a reply to this email, along with the email on their page with a Debt Validation Letter the next day on XX/XX/2023, and today on XX/XX/2023. Their website does not allow me to update contact information or my address as it always fails to apply, this has happened on XXXX different web browser on XXXX different devices. Furthermore, they do not respond to my emails about contact information submissions and I can never get in contact with them. I have requested additional information to be sent to me to my address and also to my emails. I have not heard back from the company. Their website also refuses me with submitting disputes regarding the account balance. To summarize, I can't dispute through my preferred method of contact, I can't get in contact whatsoever, I haven't received an informal, written letter stating my rights in my hand and they haven't responded to my Debt Validation Letter submissions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: Credit Karma, LLC
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I have applied for many loans and credit cards through Credit Karma. Apparently they have been scamming users to apply knowing theyll be denied. This has effected my XXXX XXXX tremendously.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I am a victim of identity theft the accounts listed on my profile are as a result of identity theft. Included are an identity theft FTC report. Delete these items 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 non-monetary relief
Consumer complaint received 2023-01-21
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I am a victim of identity theft the accounts listed on my profile are as a result of identity theft. Included are an identity theft FTC report. Delete these items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
I got approved for a loan for Solar installation from XXXX XXXX, via Maryland-based XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX. I completed all the paperwork and have been waiting for installation that's been scheduled for XX/XX/XXXX I received an email from XXXX XXXX  on XX/XX/XXXX, stating that they have cancelled my loan. I called the company on XX/XX/XXXX and spoke to someone who identified themself as XXXX. She gave me the following reasons why the loan was cancelled : Documents not signed Proof of ownership verified on XX/XX/XXXX Insufficient credit history Inactivity on the account After each reason, I explained how that did not make sense since that reason did not apply - and explained why and provided the evidence. XXXX then said I have to wait for a letter they mailed to me. I explained that I needed to know now what was happening as my installation is fast approaching. I asked to speak to a manager and she hang up. 

I finally got the letter electronically on Wednesday, XX/XX/XXXX, and it states the loan is cancelled because of insufficient credit history. This is interesting given the loan was approved with my same credit history and a lower credit score back in XX/XX/XXXX. 

At no point before the cancelation notice did I receive any request for from XXXX  or XXXX XXXX XXXX for additional documents or information that I failed to provide. XXXX XXXX  decision to cancel the loan feels off and discriminatory. The reason they provide makes no sense. Please look into this for me. Attached is a copy of my contract with them. 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 2023-04-15
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have filed an dispute with Experian twice now. I also spoke with the company who reported the information. They admitted that the information was incorrect but I would have to wait 30 to 60 days for it to update. I have the chat messages as well as a statement from the company ( XXXX ). I did another dispute and attached my documents Experian still didn't change the information. They said that it stands. But the information is wrong, the balance and late payments. I made two payments in XXXX, and my balance is way less then what they have reported to Experian.

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 2023-01-21
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act. This account violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXXXXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-01-21
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:
The car got stolen from me and all that happened is that they considered the car totaled and I wasn't given the option to get another car and was left with no car.

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 2023-03-14
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I received a copy of my credit report and found unauthorized inquiries on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: EQUIFAX, INC.
State: VA
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 told the credit bureaus Equifax, XXXX, and XXXX to " investigate every piece of information '' on the accounts I have listed below and make sure accounts in every single piece on the accounts information is 100 % accurate and no mistakes. If there are any mistakes or inaccuracies please delete all accounts listed below. According to the FCRA The term " investigative 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, They stated my account were verified but how is that possible?, if they did not do a proper investigation according to the law of the FCRA. There was not a proper investigation done According to the FCRA The term " investigative 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. Equifax, XXXX, and XXXX did not have personal interviews with neighbors, friends, Or associates, according to the FCRA a complete investigation was not done. Equifax, XXXX and XXXX has violated my rights several times my rights and the FCRA. The accounts listed below has inaccurate information. The account names below listed is inaccurate, The payment history listed below is inaccurate, The dates and times of accounts listed below is inaccurate, Also every piece of information on these accounts are still not reporting 100 % Accurate. And according to the FCRA 15 USC 1681 everything has to be 100 % Accurate, and if not it has to be removed and deleted. Equifax, XXXX, and XXXX has not did not do proper investigation and now XXXX, XXXX, and Equifax is in violation of FCRA Accounts : : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Equifax, XXXX, and XXXX has violated my rights several times Equifax, XXXX, and XXXX has XXXX the laws of The FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15
Company: Experian Information Solutions Inc.
State: MD
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 previously reached out to company regarding error no response or correction I filed a complaint with your organization XXXX complaint number Experian notified me that they have finished their research and my account has been updated as of XX/XX/23 they have not made any changes to the account.

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 2023-04-15
Company: Experian Information Solutions Inc.
State: TX
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:
1- In response to my dispute regarding the XXXX account, the Error shows on the data reported on Plain Sight As XXXX  150 DAYS PAST DUE, XXXX  150 DAYS PAST DUE, XXXX  180 DAYS, which is inaccurate and ground for removal and delays the removal date to XX/XX/2023 instead of immediately as required by law, if the law is ignored the removal date has passed, Please Check XXXX, XXXX, and XXXX data below to find the error. 

** XXXX, had notified EXPERIAN and XXXX of their removal of the XXXX account as shown below to update their credit report EXYERIAN, is the only one who refused to correct the error. 

XXXX XXXX XXXX is a result of Identity Theft which was removed by the original creditor.

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 2023-01-21
Company: FIRST NATIONAL BANK OF OMAHA
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Well none of your options fit my problem. I went to ask my fnbo card a question but dialed wrong number. I already deleted number. They asked repeatedly for account verification and I told them everything. They made me listen to adds I became enraged and they hung up. In the morning I called the card again to complain of the call. They said I dialed wrong number and they had already declined charges they had put on card from the adds they made me listen to but assured me they would not charge me for but did. Fnbo advised me to file an identity theft report 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
Consumer complaint received 2023-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XXXX XXXX ; but I never received a response from them. These items must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 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 2023-01-21
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I am filling a claim about Wells Fargo bank in regards of the settlement money that they need to pay me due to their errors that's caused me numerous charges and fees.

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 2023-01-21
Company: Paypal Holdings, Inc
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
I received a notification from PayPal that the suspected fraudulent activity on my PayPal line of credit. I check the notice and responded that I did not make the purchase of XXXX dollars and I followed their steps to secure my account. Once I logged into my PayPal again I saw that the same person had also made a charge of XXXX on XX/XX/2023 on the same website they tried to charge my credit for but this was on my debit /checking account that is loaded on my PayPal XXXX This user also added a new address to my PayPal to have the product sent to their residence in XXXX. Im in the XXXX. In XXXX. Not anywhere close. I contacted PayPal and could not get a customer rep to assist so I left the message per their instructions for someone to follow up with me when available. I also tried contacting the seller through their phone number and email listed on the transaction, the phone number was invalid and the email was not answered. The charge was authorized and taken from my bank account by PayPal. I filed another complaint stating this was fraud and they had notified me of the same user moments before this transaction trying to charge my credit. They stated they had to follow their procedures and contact the seller for items not received, even though it was an unauthorized fraudulent charge. I filed a dispute with my bank on the charge and continued trying to work with PayPal to resolve the matter. PayPal has sense followed up with XXXX emails stating it was not fraud and they closed the case. It is very much fraud and I have sense found out they had a data breach in XXXX. I have also had XXXX others I know have their accounts charged fraudulent charges in the last week. PayPal did not inform me of their breach and have not made a reasonable effort to remedy this situation. It is now almost XXXX weeks later and I am still fighting with them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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 2 credit cards that credit one has failed to report to all 3 major credit bureaus that I have paid each month. For over a year I have been paying my two credit one cards, they take my money but fail to report to transunion and XXXX  and they have not updated XXXX  since XX/XX/2019.

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 2023-01-21
Company: WELLS FARGO & COMPANY
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I was getting a lot of over draft fees added to my account which always made me have a negative balance. Also, There was money taken out my account for unauthorized transactions even after I took off the over draft protection.

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 2023-04-15
Company: Experian Information Solutions Inc.
State: TX
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:
Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that clearly violates my rights according to HIPPA. XXXX, XXXX did NOT provide me a HIPPA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPPA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.

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 2023-03-14
Company: EQUIFAX, INC.
State: GA
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:
Equifax 1- Collections Agency Name : XXXX XXXXXXXXXXXX XXXX  THIS ACCOUNT do NOT BELONG TO ME. PLEASE REMOVE THIS ACCOUNT IMMEDIATELY FROM MY CREDIT OR I WILL FILE A CIVIL LAWSUIT. 

2-XXXX XXXX XXXX XXXXXXXX. 

THIS ACCOUNT DO NOT BELONG TO ME. PLEASE REMOVE THIS ACCOUNT IMMEDIATELY FROM MY CREDIT OR I WILL FILE A CIVIL LAWSUIT

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15
Company: Experian Information Solutions Inc.
State: CA
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:
Hello, speaking today, the, XX/XX/XXXX with XXXX of Experian, me, at the XXXX Public Library, attempting to get the Experian to indicate the correct credit score. The last credit score showing on XX/XX/XXXX of XXXX, indicates the update on XX/XX/XXXX of XXXX. This, within the six-month time frame to indicate valid 'activity ' to display the bona fide score. I verified with Experian using my Oregon State ID, Social Security Card and XXXX  Bank Statement. The hard inquiries were deleted and the collection also deleted ; previous, XXXX score on XX/XX/XXXX of XXXX. I want the accurate score to be indicated, that, I may apply and access the credit, attempting at rent, school and work. I have logged into my Experian.com membership, I contacted the Experian from my new XXXX XXXX XXXX XXXXXXXX. The representative stated the school loan was 'summary ' a XXXX or deleted. When a score if XXXX, then, hard inquires delete and a ( n ) collection deleted, then, the score rises. I want my Experian.com credit score indicating an accurate number. 
Sincerely, 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 2023-03-09
Company: RS Clark and Associates, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This {$75.00} debt was paid to XXXX XXXX XXXX already. I had to pay before being seen. I do not owe this debt.

Company response to consumer: Closed with explanation