BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-06
Company: ERC
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The collection company ERC is not authorized to collect in the state of Tn. I have already contacted the company concerning this matter. I have not received any contracts from this company proving evidence that the debt is mine as are my rights. I ask the ERC provide a Full validation of this debt along with proof that they are licensed/bonded in the state of tn to collect. If proof can not be attained, I ask that ERC cease and detest any further attempts and delete the negative remark from all  XXXX  credit bureaus

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
Transunion wrongfully posted that my XXXX account had been delinquent when I was a victim or unauthorized charges being placed on my account. XXXX XXXX removed these charges and sent me a letter stating that they were removing the delinquency. 
Transunion failed to correct the mistake and falsely certified that they had conducted an investigation and found the charges valid.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
COMPLAINT AGAINST : ARS ACCOUNT RESOLUTION = XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX AMOUNT IS : {$1500.00} SINCE XX/XX/2020 I HAVE BEEN SENDING DOCUMENTATIONS SUPPORTING THAT THIS DEBT IN THIS COLLECTION COMPANY IS NOT MINE.ALL REQUIRED DOCUMENTS BEEN RECEIVED BY THEM ALONG WITH WEEKLY REQUESTS TO REMOVE THE DEROGATORY COLLECTION DEBT FROM ALL 3 CREDIT BUREAUS. 
I HAD 27 COLLECTIONS RESULTED THE IDENTITY THEFT IVE ENDURED AND THEY ALL WORKED WITH ME AND TERMINATED THE DEPILATORIES REPORTING TO THE BUREAUS EXCEPT THIS COLLECTION. 
I'M IN THE MIDDLE OF CLOSING ON A HOUSE AND THAT STOPS ME FROM MOVING FORWARD. 
I AM WILLING TO TAKE ANY LEGAL ACTIONS AGAINST THIS COMPANY IF NECESSARY. 

THANK YOU SO MUCH 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 explanation
Consumer complaint received 2020-10-07
Company: Experian Information Solutions Inc.
State: NJ
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:
After filing a CFPB complaint XXXX # XXXX ), which has since closed, the company I complained about, XXXX, put a retaliatory comment on my credit report which has ruined my chances of getting a mortgage. 

There was never a foreclosure on the property I made the complaint about, but after the CFPB 's complaint was closed, XXXX entered the comment " Foreclosure Started '' which has ruined my chance at getting a mortgage. 

Since this property has been paid off and the account closed as of XX/XX/2015, and this statement is both untrue and appears on none of the reports I have seen in the past five years, this action by XXXX is a direct result of filing a complaint. 

I am again requesting the entire XXXX entry be removed from my account as it is there to ruin my credit ( not to accurately report payment history ).

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 2019-12-08
Company: Experian Information Solutions Inc.
State: PA
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: Received unwanted marketing or advertising

Complaint:
Experian sent an email message to my wife and a separate email message to me stating, " This email is confirmation that your IDnotify membership expired. You no longer have access to CreditLock, and your Experian credit file has been unlocked. '' The online mechanism to set a credit file Security Freeze does not work for my wife or for me, perhaps because we do have Security Freezes in place. As a result, the only means offered by Experian to lock a Experian credit file is to enroll in Experian 's latest credit monitoring service. Even the free credit monitoring service requires the consumer to accept advertising from Experian and its business partners. Only after accepting a new, free membership in Experian 's credit monitoring service, with the unwanted advertising, was I informed that there was still a Security Freeze on my Experian credit file and Experian was offering another service called " CreditLock '' that would prevent identity theft. Clearly, this is deceptive marketing by a credit bureau.

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 2020-12-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the 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 explanation
Consumer complaint received 2021-02-19
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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT XXXX. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

-- AUTO ACCOUNT 2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my 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 2017-06-06
Company: WELLS FARGO & COMPANY
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened an account with Wells Fargo on X/XX/2017 with a new account bonus of {$150.00}. The bonus required two things. <P/>1. Two ( 2 ) mobile wallet transactions for a cumulative amount of {$10.00} or more 2. Ten ( 10 ) debit card transactions Then you would get a {$150.00} new account incentive. <P/>They authorized my XXXX XXXX credit card two times for an opening deposit of {$25.00} each. I got the account number and deposited additional funds and completed the requirements over a week ago. <P/>I sent them a message inquiring about the terms of the promo and to make sure I qualified. I got a reply listing the terms of the promo that was applied for when my account was opened. <P/>Their terms included a few things which were not fulfilled on Wells Fargo 's end. <P/>1. They never took the opening deposit ( which they authorized 2x ). 2. They allowed me to open an account with this promo code and stated successfully it was applied to the account for me to earn on the approval. <P/>With both of these not happening I have been told I am ineligible for the bonus. This is something that is very misleading and not fair in any capacity. 1. If there is a promotion and you let someone apply for it and tell them they are eligible then you need to honor the promotion. 2. They blatantly messed up when they did not take my opening deposit and no one admitted that was their error which it was.

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 2021-11-13
Company: CL Holdings LLC
State: FL
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:
I am writing this letter in because I checked my credit reports for accuracy as I am in the process of being pre-qualified for my very first mortgage through the First Time Homeowners Buyers program, and I saw another debt reported by JEFFERSON CAPITAL SYSTEMS for XXXX in the amount of {$540.00}. Since I do not believe I owe this debt, I am requesting that you comply with Section 809 of the Fair Debt Collection Practices Act and send me verification and validation as well all documentation proving that I owe this debt ; and ( 4 ) A copy of your license to practice debt collection in my state. I am also requesting that you send a copy of this letter to the original creditor notifying them that I dispute this debt so that they can not report it as delinquent on my credit report. Likewise, if you have reported this debt to any credit bureau, I request that you also report to them that I dispute owing the debt. Please notify me when you have done so. If you need to contact me in the future, I insist that you do so by mail. I am not allowed to receive personal telephone calls at my place of employment. I also prefer that you not phone me at home regarding this debt. All future contact should be by mail. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13
Company: WELLS FARGO & COMPANY
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Problem with personal statement of dispute

Complaint:
I would like to file a second compliant with Wells Fargo for failing to remove the information being reported on my consumer report, after filing an FTC report sending in several police reports to no avail Wells Fargo has yet to show that they accounts being report are vaild, how can one person open 11 different accounts. Wells Fargo has been in countless class action lawsuits for opening fraudulent accounts under consumers information. I have been a victim of my personal information being stolen and compromised due to the theft, and I have been suffering from this and how it is affecting my life since XX/XX/XXXX. Furthermore Wells Fargo and XXXX XXXX XXXX XXXX  has broken the law based on 26 US CODE 7213 UNAUTHORIZED DISCLOSURE OF INFORMATION, And 18 US Code 1028A Aggravated identity Theft, Report inaccurate information, false information and information without my consent. They have failed to validate these accounts with any " orginal signatures '' or documentation. I keep getting responses that the information is being updated as accurate. But How?

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 2022-03-30
Company: Experian Information Solutions Inc.
State: MI
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 pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and medical services. I am demanding these accounts to be removed as I did not authorize or open these accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29
Company: Continental Services Group, Inc. d/b/a ConServe
State: MT
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
Keeps calling me at XXXX XXXX. Even though I told them its XXXX XXXX in Alaska. 
Company representatives just go silent after I say I will complain but do it again next day. 
Conserve XXXX ( XXXX ) XXXX is number they are calling from

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
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: Was not notified of investigation status or results

Complaint:
I am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2021 regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-08
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
On XX/XX/2019, at XXXX XXXX, I received a called from a collection agency " Midland Funding LLC on a Sunday. I owe the original creditor, ( XXXX XXXX XXXX  ) balance owed {$1000.00}. When I received a missed called at, XXXX XXXX  from Midland Funding LLC. I called the number back,XXXX ; a collection customer service agent answered. I inform her. '' you'll not be called me on " Sundays ''? The agent stated she did not know whom I called, however, can I get your phone number for security purposes? repeated the first statement, " you can not be called me on Sundays I told her I'm hanging up now, have a great day! I did my research collections agencies can not call debtors on weekends. I know I owe them money, however, I will not be harassed on Sundays.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-13
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I checked my credit reports for accuracy as I am in the process of being pre-qualified for my very first mortgage through the First Time Homeowners Buyers program, I saw a debt reported by LVNV FUNDING in the amount of {$430.00} owed to XXXX XXXX XXXX. I was unemployed for some time and could not make the monthly minimum. However, things have changed and I am willing to pay the full balance owed ( {$430.00} ) to have the trade line deleted and a new account opened with XXXX XXXX. I could send you a cashier 's check [ or money order ] or make a payment via phone as soon as I receive notice that you will accept my offer. If you agree to these terms, please e-mail or mail a signed and dated letter to the address attached to this complaint or attach the letter to the complaint. After receiving it, I will send you a payment of {$430.00}, which will constitute payment in full, trade line deleted, and release me from all further collection efforts by both the original creditor and your collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Every month its the same story with Capital One. I goto the one click that is sent via email and it doesnt work. I try for a few days to go online, it lets me see my account, etc but not make payments. 
On the last day due this past month in XXXX of XX/XX/XXXX it took me two days of going online in between working and life to get the payment to pop up/the box that allows me to make a payment. 
It then stalled and timed out, then shut down. 
I called the next day and made a payment over the phone as I was at work, I work graveyard at the XXXX department. 
So I sleep during the day and then am at work by XXXX XXXX. 
I need the payment processing to work due to my schedule. 
This has happened a few times, I have to call which takes about an hour by the time you sit on hold, etc .... and that is time I dont have with my sleep and shift schedule. 
They have credited my account before but would not this last time charging me XXXX $! 
That needs to be reversed. 
Also, I want to know why this is an issue, but surfing my account with all other items like account summary works?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-13
Company: SUN LOAN COMPANY INC.
State: TN
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:
On XX/XX/2018 a case with the CFPB was opened due to inaccurate information being reported to all three credit agencies ( please reference CFPB case numberXXXX ). Sun Loan is now once again reporting that this closed/transferred paid in full account as being 4 months past due. I have already spoken to an attorney about this account and provide her with all documentation and credit reports showing the history and inaccuracies as it relates to this account. She suggested I try one more last attempt before sending a formal demand letter to your corporate office and proceed with legal action to correct the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13
Company: MODERN FINANCE COMPANY
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Vehicle was repossessed or sold the vehicle

Complaint:
Yesterday Friday XX/XX/2021 I came into the financial office were they email me the address so I can come in and do payment arrangement on my car they repo from my apartments. I came in and they said my total was XXXX and I said u know what I don't have it complete I can give half then on Tuesday the other half he said and your payment its coming up as well on the XXXX of XXXX so he said so your total comes down to XXXX and I said ill give {$700.00} now and Tuesday remaining balance he said ok thats fine. I pay {$100.00} in cash the other {$100.00} with my debit card and {$500.00} with my XXXX XXXX when the girl that was charging says we don't get XXXX XXXX and I said is there an atm around she said no but u can do the Payment thru XXXX XXXX let me send u the link and I said ok ill do that. Today sat I'm trying to pay online the {$500.00} and they took access from me to do payments online. So I don't know what there were trying to do with fixing payment arrangement and I'm trying to pay and I don't have access no more to my account. I don't know if he was trying to get the money and still take my car away. But I need my car im doing the best to get everything there charging and they taking other actions

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: EQUIFAX, INC.
State: VA
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:
Im accordance with the fair credit reports act XXXX account numbers XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A section 2 : also states a consumer reporting agency can not furnish a account with out my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
Im accordance with the fair credit reports act XXXX  account numbers XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 602 A section 2 : also states a consumer reporting agency can not furnish a account with out my written instruction.

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