BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-24
Company: Experian Information Solutions Inc.
State: NC
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2021-08-03
Company: First National Collection Bureau, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX, XXXX received the first initiation of debt from the First National Collection Bureau that I owe $ XXXX requested verification on XX/XX/2021, via a certified letter. 
On XX/XX/2021, I received two letters stating that XXXX XXXX XXXXXXXX XXXX manages XXXX XXXX, XXXX on behalf of the First National Collection Bureau. The other was an account summary report stating that the debt was validated. 

I responded on XX/XX/2021, requesting that XXXX XXXX XXXXXXXX XXXX ceases communication with me. Since the debt in question has been legally expired under the Statute of Limitation and they were a direct violation of the FDCPA. 

XXXX XXXX XXXX, XXXX continues to harass me for on XX/XX/2021, I received yet another printout summary saying the debt has been violated. I have then again responded and requested that the cease communication since this debt has reached it Statute of Limitation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
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: Account status incorrect

Complaint:
There are Four accounts that are closed and I would like for them to be removed off my credit report and a collections that I dont have any knowledge of is also incorrect on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-01-04
Company: WELLS FARGO & COMPANY
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I had a checking account with wells fargo. My name is XXXX XXXX. The acoount I believe ended in the number XXXX. I wrote two checks to XXXX XXXX XXXX in XXXX and XXXX of 2021. The claim numbers are XXXX claim number XXXX. 
I wrote two check to XXXX XXXX XXXX from my account last year in XXXX and XXXX of 2021. The checks were cashed at a wells fargo bank. I sent a copy of both checks to wells fargo. They drug their feet and I had to make a complaint with you. 

They advised me that I need to submit an affidavitt from XXXX XXXX XXXX representative stating that they never recieveed the checks. Wells Fargo paid out the money but XXXX XXXX XXXX did not receive the checks. 

I obtained the affidavitts and submitted them to Wells Fargo. 
I complaint was filed with you and you followed up with Wells Fargo. 

I have heard nothing from them and it has been months since they advised you tha they had indeed received the affidavitts requested. I have obviously changed banks although my name is on an account with wells fargo in an account with my wife. 

Each check was for {$200.00} dollars for a total of # XXXX dollars. I called wells fargo and they said I needed to confirm my identity even though I called two days earlier and my identtity was confirmed. I talked to the claims department at XXXX, Wells Fargo honored checks which were endorsed by someone other than myself. 
CONSUMER FINANCE contacted them after I made a report last year. 

They admitted to you that they have received the affidavitts I requested. I am asking you to contact them and ask them what the status if of the two claims and have them return my {$400.00} dollars for checks the paid which did not go to XXXX XXXX XXXX and they are clearly aware of the that since they responded to the affidavitts and and advised you in a prior complaint that they had received the affidavitts from XXXX XXXX XXXX. 

Thank You XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Illinois 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 2022-08-02
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is hurting my credit score which is very important to me. I know you will understand me in this situation this is becoming a frustration to me. I don't know what's happening to my credit report and I don't how you guys come up to this conclusion and report it on my credit report. This is very stressful for me because I always pay on time. Under 15 USC 1666b this billing error must be corrected because I always pay on time this is clearly a discrepancy on this account which clearly violates the 15 USC 1666 ( b ). Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated in the law. 

XXXXXXXX XXXX XXXX  account # XXXX 30 days late in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, and 60 days in XX/XX/XXXX. 

I, therefore submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time. Hoping that I could get some favorable news after this investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Hello, forgive my writting but english is my second language. 
I purchase in vacation arts with Park West Gallery. I have received the arts and everything but I still haven't managed to pay the product. First of all, when I try to access the website to pay it didn't work. It took a month before I could get on the website of the bank ( SYNCHRONY BANK ). After accessing the website, I tried to pay right away the arts because they were already charging me interrest when the seller said I wouldnt have to make any payment until 6 month of receiving the arts. I bought the arts on XX/XX/2022. When I was on the synchrony website to pay the credit bill. It didn't work. I contacted clientel services and I ask them for others ways to pay. I offered to pay directly from my bank, with another credit card or with XXXX. They refused. The problem with my bank is that I'm XXXX and I have a XXXX bank accompt and they do not accept XXXX bank accompt for payment. This is really weird. I ask to the person I was talking to what can I do to make the payment? And they responded that I have to wait until they figure it out. It has been 2 month already. I took picture of the conversation that the person said they will get back to me shortly which he never did. I still receive bill for the payment and interrest keep increasing. I ask them to pay the full ammount right now to not have any interrest but they still don't try to help me.

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 2022-12-21
Company: Ability Recovery Services, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I received multiple calls in one day, and per the caller, I was being sent to a collection from an unknown medical visit, to which I have heard nothing about from 4 years ago. I said the debt is NOT mine and that they were harassing me by calling me multiple times. the man speaking to me threatened me and told me I was wrong. I informed them that I am protected by law for surprise billing and to contact my congressman, the man did not know what a congressman was. I questioned his authority and that he was even a legitimate citizen of this country. he belittled me by saying that XXXX XXXX, who passed this law along with my congressman, was not to be called XXXX. I told the man I was not going to argue with him about this and that if he called me anymore and did not let this go, I will file harassment against him. I then got a letter saying it is in collection and this company is Ability recovery services, in XXXX XXXX for {$340.00} I also would like to add that if this was a real bill that belonged to me, why did it take 4 years to be brought to my attention? 

Also, it says the company claiming I owe them from something 4 years ago, I have never done any business with.Why would I try to work something out with either of these companies when I don't even believe that this is my debt? I have Identity Theft affidavits on file both with my state and through the Federal level. How do I know if someone tried to falsely use my identity. Is this even a legitimate medical bill? Explain to me how XXXX XXXX XXXX is associated with a medical bill? I have never heard of such a place. I asked Ability Recovery to give me an itemized bill for this claim and they did not provide it to me. Who would pay a bill that sounds like some sort of extortion mafia who can not even prove that a bill belongs to me or what it is for. This reeks of FRAUD!!

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 2022-10-23
Company: EQUIFAX, INC.
State: TX
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 am impacted by the Equifax data breach. I'm a victim of cyber theft due to Equifax 's negligence and failure to protect my private and person information. Equifax has failed to keep myself and many others informed of the data breach when they learned it had taken place initially. They chose not to react accordingly. This a serious matter and Equifax needs to be held accountable for the breach of my data. The dates of the breach that I was informed of two days ago started back in XXXX XXXX XXXX. The courts have ruled in the favor of us impacted victims and have awarded Equifax to pay us victims what we are owed. I have yet to receive any monies nor did Equifax issue me an apology. I have filed an incident report in regards to the cyber theft that has impacted me, printed out a copy of all my credit reports and have put a security freeze on several companies who have my personal information on file. I have read hours and hours on this Equifax data breach settlement to understand my rights and what I need to submit to Equifax. This is a scary position to be in knowing that folks have access to your private and personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23
Company: EQUIFAX, INC.
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 attempted to correct this situation with Equifax on multiple occasions but they are non-compliant and negligent in their reporting of my account they have still after multiple attempts did not remove the inaccurate items listed in the following complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Investigation has taken more than 50 days please reference XXXX as this has taken 3 weeks itself the bureaus do not get months to respond... the law allows 30 days.

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 2022-08-02
Company: EQUIFAX, INC.
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. 

I am very annoyed and disappointed when I got my credit report just today. I have researched my rights on the internet regarding whats happening on my credit report. I dont know if you are playing games with me because I KNOW MYSELF, I KNOW MY ACCOUNT, I KNOW IF I PAID ON TIME OR NOT, I KNOW IF THIS IS MY ACCOUNT OR THERES SOME ANOMALLY GOING ON HERE. PLEASE Im begging you to investigate what is happening on my credit report. Im listing down all of the information below that is clearly a 100 % inaccuracy on my credit. 

1. XXXX XXXX Account Number : XXXX Bal : {$840.00} Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. I want you to conduct an investigation regarding this and if they don't give proof of evidence I want this to be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I have an unused prepaid {$100.00} gift card from American Express, embossed with my name. Because of covid concerns, I did not eat out for 2 years. Then in 2022 when I tried to use my card, the merchant rejected it. I contacted American Express using the phone number on the back of the card, as well as the number that original number directed me to ( gift card division ). Both told me they have no record of the card. I WAS HOLDING IT IN MY HANDS!!. I went to addresses listed in XXXX to find a local branch in XXXX XXXX AND ALL WERE NON EXISTENT, despite being listed online. Wasted hours trying to find a live person. 

I wrote to corporate headquarters copies of the same detailed complaint to various members of their executive committee. Letters dated XX/XX/2022. One assistant - XXXX XXXX contacted me by email again saying the firm had no record of my card. XXXX  never returned a phone call. 
So I contacted his identified boss, XXXX XXXX, in a second letteer and again restated my case in writing that I had a pre paid card ( expired on its face ) but according to CA and NY law they can't expire. And told him his assistant blew me off by not returning a call to his boilerplate email of we are doing anything. 

American Express never identifies my complaint with an internal code number. So another self serving email by them ( after my second mailed letter ) is sent saying they don't have enough information. Yet with each correspondence sent by me I sent photos of the card, front and back and a photo of my holding it. 
AMERICAN EXPRESS IS STEALING FROM ME. THEY HAVE THE FUNDS FOR PURCHASE OF THE CARD, XXXX WON'T REFUND IT OR PROVIDE A WORKING CARD. Their boilerplate emails say they can't help me because they don't have information. They do. They have the card number ; they have photos. No one ever returns a call, despite offering their number on their emails. 
I BELIEVE THEY ARE VIOLATING FEDERAL LAW AS WELL AS CA AND NY LAW. 

I want the {$100.00} refunded to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: EQUIFAX, INC.
State: IL
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 Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, and XXXX XXXX XXXX XXXX  Acct # 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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I just reviewed a new copy of my credit report and there are hard inquiries on my credit report that I do not recognize. Please remove these hard inquiries. 

XXXXXXXX XXXX XXXX ( Bank ) XXXXT ( Finance ) XXXX XXXX ( Finance ) XXXX XXXX  ( Bank ) XXXX XXXX XXXX ( Finance ) XXXX ( Finance ) XXXXXXXX XXXX XXXXXXXX ( Bank XXXX XXXX ( Retailer ) XXXX ( Bank ) XXXXXXXX XXXX XXXX  ( Bank )

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 2022-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, and XXXX XXXX XXXX XXXX Acct # 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 an 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 non-monetary relief
Consumer complaint received 2021-08-03
Company: EQUIFAX, 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:
I paid my auto loan in full on XX/XX/2021. However the balance was never removed from my credit report so I filed a dispute. 

Equifax sent me dispute results. The file containing said dispute results is corrupted and will not open. 

Despite providing them with documentation showing that the XXXX note was paid in full, Equifax is still reporting that the account was closed with a {$5000.00} balance. They also dropped my credit score XXXX ( XXXX ) points.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: OPORTUN FINANCIAL CORPORATION
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: Account information incorrect

Complaint:
I didnt not want this credit card because the limit they offer me is too low {$500.00} limit sucks and I want this account to be reported as close and I filed a dispute on the credit card twice with XXXX and it was rejected twice within days and I dont want this credit unless they increase the limit to {$1000.00} witch they wont .. the credit bureaus wont report it closed.. 

Second complaint is that oportun has put tons of hard inquiries collections on my XXXX XXXX and I need have those removed because I didnt apply for any loans or have any past due loans under my name The current balance on this credit card is XXXX dollars Account number ending in XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-24
Company: Bridgecrest Acceptance Corporation
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
During time contract was signed I never received my 2 attachments informing me of my right of rescission. I sent a affidavit o rescission on XX/XX/22. Bridgecrest sent a letter trying to denounce my affidavit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Please reference complaint XXXX as the investigation requested in that complaint have no been completed in the proper timeframe and Equifax is clearly trying to avoid investigating. The received 3 forms of ID with address and utility bill with credit report print out. They are asking for the same documentation over again please see all attachments to the referenced companies. All must be deleted immediately the law only allows for 30 days and it has been more than 50 days.

Company response to consumer: Closed with explanation