BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-07
Company: Experian Information Solutions Inc.
State: VA
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 XXXX 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 explanation
Consumer complaint received 2023-06-20
Company: WELLS FARGO & COMPANY
State: NJ
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:
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 an account without my written instruction.

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 any purpose.

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 2022-12-07
Company: EQUIFAX, INC.
State: NC
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE LETTERS FOR REFERENCE

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: TRUIST FINANCIAL CORPORATION
State: AZ
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This debt was sent to a law firm and went to court. A judgment was paid in full to the law firm. The Satisfaction of Judgement and Release of Lean was signed XX/XX/2023. Case number XXXX. All monies were garnished from my check bi-weekly until the judgement and debt was paid in full. See attached court documents proving all debt was paid in full.

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 2022-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
Unauthorized inquiries on my credit file. The following inquiries do not belong to me. 

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 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 2023-06-20
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On Thursday, XX/XX/2023, at approximately XXXX pm I deposited {$300.00} in cash in my checking account at a Citizens Bank ATM. The ATM was located at a Citizens Bank branch. The branch had just closed for the day. The machine did not give me credit for my deposit. Instead it gave me a receipt which stated, " We encountered a problem returning your cash. '' " Please contact your financial institution. '' I immediately called Citizen 's Bank, spoke to a representative who informed that I had to file a claim to have my {$300.00} in cash returned to me. I filed a claim with her at that time and asked her when the matter would be investigated and resolved. She did not have an answer and told me I would be receiving some information about my deposit in the mail. She did not know when I would receive that information. I was given a claim #. 
The next day I visited the branch, when it was open, and inquired about my claim. I met with a bank representative, who told me he would try to expedite my claim and that there was nothing more he could do. To date, I haven't received any information about my deposit, by any means of communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: JPMORGAN CHASE & CO.
State: MS
Product: Credit reporting 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 have no knowledge of this hard inquiry. The hard inquiry is a result of identity theft and it must be removed within no later than 4 business days as per 15 USC 1681, c-2

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-21
Company: ALLY FINANCIAL INC.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
Fraudulent loan from Ally financial on my credit report Account # 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 2023-06-21
Company: CITIZENS FINANCIAL GROUP, INC.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I opened a dispute with my bank under the claim number XXXX on XX/XX/ I explained when I opened the claim that im living for 4 months abroad so I there is anything needed to proceed with the claim they MUST contact me by phone email or fax. 

Until now I dont have any update about this case, so I calle customer service a couple of days ago and I was requested to send an email requesting the documents that must be signed. Nobody answer Today XX/XX/XXXX I called again and spoke with the supervisor who gave only excuses to do more slow and burocratic the case. He said that claims department cant be reached by phone, they only can call back but not to an international phone number. Also he said tthat they cant send the documents trough email or fax ( but they request to send it back that way ). 

I really dont understand all this complications to the customer. Please proceed with the claim eficiently and if you need something to be sign please send it to my email or fax on file, make it easy not difficult,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: DISCOVER BANK
State: OR
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:
Discover Bank : this card was opened fraudulently, and I don't know anything about this card I saw this on my credit card my statement, and I went to file an alert with XXXX and I noticed this activity and 100 % of it is fraudulent! XXXXXXXX XXXX : this credit card was opened 100 % fraudulently, And I believe someone stole my identity from the IRS and filed a tax return in my name twice I put it personal filing PIN on my IRS account and when I went back on to my XXXXXXXX XXXX I saw multiple items that were opened up that I do not have anything to do with! XXXX XXXX  : this account was opened up 100 % fraudulently when somebody got my passport and a copy of my ID in California and was able to file IRS tax returns in my name, this was before I got a personal filing PIN and they continue to open up accounts using my identity and all of my information I had my purse stolen with mail in it my passport and ID in California years back and they have been opening accounts in my name, and I'm ready to put a stop to it and get my account 's back on track! XXXX phone company : somebody stole my identification card and was able to go into the phone store and open up an account using my ID and I am very upset about this because they should have checked it and looked into it and not just let somebody use it I would like this removed please!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-07
Company: Factor Trust
State: NV
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. REMOVE ALL INQUIRIES THAT ARE NOT ATTACHED TO MY ACCOUNTS XXXX. UPDATE AND SUPPRESS NEGATIVE INFORMATION XXXX. UNLOCK AND UNFREEZE ALL MY ACCOUNTS AND SEND ME THE CORRECT LOGIN OR RESET TO MY EMAIL WHICH IS REGISTERED TO YOUR SITE. XXXX AND XXXX WILL NOT LET ME LOG IN EVEN WITH THE RESET. I AM REGISTERED FOR ALL, THIS IS UNBELIEVABLE. 

please update and suppress negative information, and inquiries that are not attached to any accounts XXXX. REMOVE THE FRAUD STATEMENT FROM ALL MY BUREAU REPORTS. IF I AM ABLE TO LOGIN THEN I WILL LOCK THEM MYSELF YOU ARE IN VIOLATION OF 15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B 15 usc 1681 i ( 7 ) Read A and 2 Accounts not reporting across all bureaus. incomplete account number, inconsistent. Please remove for innacuracy, no knowledge of this account, no contract with this company My name is XXXX XXXX XXXX My addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX My phone numbers XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01
Company: Amsher Collection Services, Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I sent a letter on XX/XX/2022 to XXXX. Here is my tracking number ... ... ..... 
However the credit bureaus said they completed the investigation and everything was 100 % accurate. 
According to the law 15 U.S. Code 1681a - Definitions ; rules of construction. 
The term investigate consumer report means a consumer report or portion thereof in which information on a consumers 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 informations. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 
I would like to know who did they talk to? 
How did they complete this investigation?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-02
Company: Paypal Holdings, Inc
State: KS
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Had some unauthorized transaction credited to my PayPal account Instantly reported these transactions asking for full amount to be refunded back to account as to be expected the account became limited status till investigation of transactions were resolve and a full refund was pending and account limitations lifted but still no access to the funds returned after waiting for pending balance to deposit I reserved email from PayPal saying account limitations were lefted to full access so I figured the money would be to but shortly after that email I reserved one from them say my account was permanently limited and said I would not be able to use there services anymore All I want is the available balance withdrawal out but I guess there is a hold on it and will receive a email from them in 180 days But times are tough all over I need that money to live

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-02
Company: Adler Wallach & Associates, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a storage unit with XXXXXXXX XXXX XXXX. All of my things were ruined as a result of a major rat infestation. Before I was due to pay again I had my things hauled away to the dump. As a result of me moving my things out early I was issued a check from the company for the prorated amount of time that I had already paid for but wasn't using. A year later I got an alert to my credit that this was in collections. I disputed it, filed my proof and it was removed. A few months later it was placed back on with another collections agency. If I owed money the company wouldn't have issued me a check. I believe this property manager acted in retaliation for me exposing the unsanitary conditions this facility is kept as well as their rodent infestation. I paid extra for insurance & the property manager refused to give me the information I needed in order to file a claim to have the loss of ALL my things reimbursed. I would like this debt reremoved from my credit once and for all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-02
Company: Resurgent Capital Services L.P.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
The two open collections on my credit report are from a company Ive never done business with. Ive never signed any documentation with these companies nor have I ever been in contract with these companies before. These account were charged off by the original companies a few years ago, to my husband loosing employment because of COVID. I have written several cease and desist letters to XXXX XXXX XXXX and LVNV FUNDING LLC explaining this to no avail. So I am questing your assistance in this matter, please!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-02
Company: ENCORE CAPITAL GROUP 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:
The account was original opened by XXXX XXXX the debt is older than 7 years... Please remove from my credit report..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-02
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Under law FDCPA ) code ( 15 U.S.C. 1692 Re : XXXX XXXX XXXX Hi, To whom this may concern, I am writing this letter to Portfolio Recovery Associates and all three credit bureaus XXXX, XXXX and XXXX. 
To inform Portfolio Recovery associates that I have never been in contact with them or there debt collection agency. Until today. I have disputed your debt collection reporting agency as I have no clue who Portfolio Recovery associates is. I have never received nor sort of mail or any sort of communication from Portfolio Recovery associates indicating they have took over any sort of " debt '' I may " owe ''. I also have included XXXX XXXX my credit card company which I paid on time on a monthly basis in this email to my knowledge this account should have been paid in full. 
Overly paid off. 
I was reaching out to XXXX XXXX a few times prior to my credit being Tampered with indicating that I am very aware how my payments were not showing off as paid off to my account or credit card company. 
Each time I will make a payment to my XXXX XXXX account the following month I will owe more money. 
I am very aware of the fraudulent activity that has been occuring and I never have been in contact with PORTFOLIO RECOV ASSOCIATES up until today. 
I have disputed portfolio recovery associates. And I will sue portfolio recovery associatesXXXX XXXX XXXX  for fraudulent activity.

I will also be filing a police report with this letter. And will be reporting this as fraudulent activity. 

I XXXX XXXX XXXX indicate that once I was reporting fraud and my payments not going down to my XXXX XXXX account that I was not able to have access to my credit accounts and fraudulent activity was occuring I XXXX XXXX XXXX also indicate that I have had a credit freeze on all three of my credit bureau accounts since XX/XX/2023 as well as I do have a open fraud alert on all three of my accounts. 
I do not see how any of this is possible? Without validation. Authorization orauthentication?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
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: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
Company: CORELOGIC INC
State: NY
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:
XXXX XXXX ( Bank ) XX/XX/XXXX Credco ( Miscellaneous ) XX/XX/XXXX XXXX XXXX  credit inquiries that were not authorized by me. 

XXXXXXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX  This inquiry is 22 days away from it been 24 months and would like to start the process of removal.

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 2023-07-03
Company: Professional Finance Company, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have been making payments to this collection agency since XXXX for a XXXX  XXXX. The balance for 2 service dates was originally {$2200.00}. I have made payments in the amount of {$510.00}. My balance should be {$1700.00}. I confirmed this with the original creditor ( XXXX XXXX ). I spoke with XXXX XXXX from XXXX and confirmed the balance they show is {$1800.00}. XXXX confirmed that the collection agency is charging me interest on this medical bill. I was never notified of this being in place by either the collection agency or XXXX. I spoke with PFC on XX/XX/XXXX and they were unable to provide any proof that this notification was ever presented to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: Experian Information Solutions Inc.
State: IL
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:
See the attached documents. 
WHAT WOULD BE A FAIR RESOLUTION TO THIS ISSUE?

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 2022-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 they violated my rights. 
Please delete the following items : XXXX XXXX XXXX XXXX Account Number : 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.

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 2023-07-03
Company: Self Financial Inc.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/23 I looked at my consumer report and I see XXXX XXXX XXXX  self on my consumer report. I never took out a loan with them I am a victim of identity theft. I never even knew anything about this. I was in prison for several years I've already let the irs know this I also have a block on my consumer report. I do not know how this loan was obtained with out my signature and without me having a home to live in. Identity theft is a crime per 18 usc 1028 A.

Company response to consumer: Closed with explanation