BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-12
Company: Waypoint Resource Group, LLC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I switched carrier from XXXX to XXXX on XX/XX/2022, I was assigned an Account No. I am the account owner of that account. I had autopay enabled on it and every month the amount had been paid for the bill accurately But some how XXXX had accidentally or fraudulently opened a sub account under my Account and they claim that I have to pay XXXX + XXXX XXXX And it has been sent to collection agency Receivables Performance Management LLC This particular account dint even show up in my XXXX app where I check everything and do my payments. 
My credit score got hit by XXXX points I called XXXX multiple times- they said it is with collections agent and we cant comment about the account. 
My question is you ( XXXX ) created a sub account for me without my knowledge and have been assigning a bill for it and you are not taking responsibility for it? 

I called this collection agent multiple times and also mailed them to dispute this and they said they ll interact with XXXX and I will get an update in few weeks. 

I want to get the latest update on my dispute. 

I want this to be removed from credit history Please help me with it. 

My reference no. Printed in the collection agency mail is : 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 2023-10-10
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting 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 care of XXXX XXXX Dear sir : this is getting to be unacceptable. I have made complaints to this department that don't go anywhere My complaints are bused in the law, yet they continue to be ignored. Once again I will be quoting law. 

Improper use of my Credit Report XXXX is obligated by the FRCA to report accurate accounting, as the consumer I have advise that all the inquires reported was fraud. Said company XXXX days according to law to remove such items FTC fraud report was file on behalf of myself the consumer. I the consumer is now requesting XXXX to provide the documentation used to determine inquiries was indeed authorized by myself the consumer. XXXX has XXXX days to provide me with the name of the person spoken to. documentation used, signed application with consumer wet ink signature. The consumer being myself is not asking for an e-Oscar report. If XXXX does not provide me with the documentation to show these inquiries were authorized by me the consumer, it must be removed asap. Said company is liable under SEC to follow certain rules. XXXX XXXX file # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX North Carolina XXXX XXXX I will be filing form XXXX treasury omb from to audit consumer or my account. XXXX is securitizing consumers data yet refuses to provide consumer a copy of their Consumer File Not Consumer Report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-13
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I Have filed a dispute in regards to incorrect items on my credit report it has been well over 30days and i haven't received any investigations results.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have sent out the bankruptcy letter to XXXX and Equifaxs to remove bankruptcy off of my file they still have not I sent in in the the letter from bankruptcy and pacer that they dont verify info to any credit bureaus and I sent out sue letter still was not granted Equifaxs delete bankruptcy for 3 day they didnt tell me how and where they get bankruptcy verify only told me a source of there I also spoke with XXXX id number for Equifaxs told me on the XX/XX/XXXX they will delet public record never done it

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: Navient Solutions, LLC.
State: HI
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I should have had all of my " private defaulted loans '' wiped from Navient, yet one remains, XXXX that has been in default since 2009. 

All of the other private defaulted loans were forgiven under this 39 AG state class-action. 

XXXX XXXX XXXX XXXX XXXX XXXX Can you please advise?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Navy Federal withdrew XXXX $ in my account without my consent for charge off account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA,XXXX  XXXX XXXX  XXXX XXXX XXXX XXXXPORTFOLIO RECOVERY XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX Re : Acct # XX To Whom It May Concern : This letter is regarding account # XX, which you claim XXXX. This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX  and XXXX  ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 

My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA,XXXX SSN : P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: U.S. Collections West, Inc.
State: GA
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX gave another company by the name of Us Collections west, Inc my personal information and account balance and now the third-party company is trying to collect a debt I do not owe them. The third-party company Us collections west created an account that is not mine and does not belong to me. The third-party company was not able to validate the debt upon my request per 15 USC 1681. I have requested the company to remove the derogatory accounts and they refused. I also paid them {$2000.00} without realizing the account does not belong to me. They failed to comply with any requests I have made

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-04
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Citi XXXX notified me once again of a reduction of my credit limit due to a company review of my account. Their action brought my account now to within a maxed-out range with credit bureaus. Upon checking my credit reports I did not find anything negative to justify their actions. Therefore, their actions to unfairly reduce my credit limit has no basis to justify it and I deem it discriminative and predatory. Because of citi Bank action it will now have a direct negative effect on my credit ratings .The company has accessed my credit report with a credit fraud and freeze alert feature .Resulting as a hard inquiry on my report and they did so without my consent or knowledge. I have not once been late with a payment .. As a result of their discriminative and predatory actions and without prior notice to me. My credit score has now been negatively affected.. I respectfully ask your office to investigate this matter fully. Your office should go after company such as these for acting a predatory manner especially in the middle of a pandemic. Shame on them! 
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 2023-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
IDENTITY THEFT STATEMENT Identity Theft Report # XXXX Dear : XXXX, XXXX XXXX TransUnion This statement is in reference to the below mentioned accounts in which I, as a consumer, identify this information as a result of an alleged identity theft. The information does not relate to any transaction by myself, and I did not benefit from the transaction. 
Pursuant to 15 USC 1681c-2 ( a ), these accounts must be blocked and deleted from my consumer report no later than 4 business days from the date that your agency receives this statement. 
Attached is my appropriate proof of identity, a copy of my identity theft report, and the identification of such information below. 

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 Failure to block and delete the above identified accounts will result in your noncompliance of the Fair Credit Report Act in which you be held civilly liable for actual damages, statutory damages, punitive damages, and cost & fees associated with any suit brought against your agency for willful noncompliance. 
Please send an updated copy of my consumer report reflecting the deletions of the above accounts. 

Sincerely, 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 2020-12-31
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XXXX of 2020, the COVID-19 global pandemic began hitting the American economy hard. Wells Fargo decided to put it's customers on a " forbearance '' many did not ask for this. Wells Fargo did this as a public relations stunt, to make it seem as if it was helping it's customers. 

For me, I was told that they would pause my payment, and I could just make up for the payment at a later date. I was in a position to borrow money from a family member and continue my mortgage payments as normal, but Wells Fargo convinced me that they would simply pause my mortgage and that their " forbearance '' was a better option. 
In reality what they were doing was creating a new loan/debt in my name, so now i have a new loan to help pay for the loan I already have with them. I now own XXXX more than I did in XX/XX/2020. I have made 3 payments to my mortgage ( XXXX XXXX XXXX XXXX and I still owe more than I did in XXXX ... 
On top of this misleading new debt/loan, they are now telling me that I can not pay it off until I pay off my entire home mortgage. 

Wells Fargo, in an attempt to look humane, and decent in the face of an economic recession, while hard working Americans were losing their jobs and in some case losing family and friends to COVID, were manipulating their own customers into a new loan. While the economy crumbled, Wells Fargo ( the same company that created fake accounts in its customer 's names ) decided to trick people into larger debts by lying and manipulating us into believing they were just going to " pause '' our payments. 

During a crisis, the company found a new way to squeeze money out of its customers, rather than actually helping us out. In the name of doing a good thing, under the guise of helping their customers out, they created this scheme. Deceiving and manipulations might be fraudulent activity, but it is absolutely unethical and amoral behavior by a very wealthy and powerful company that continues to break the backs of average Americans.

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 2022-10-12
Company: Experian Information Solutions Inc.
State: MN
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 was reviewing my Credit Report and noticed some accounts were violating my rights in accordance with the Fair Credit Reporting Act Convergent. All of these accounts below have 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 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

1. Account Name : XXXX Account # XXXX 2. Account XXXX : XXXX Account # XXXX 3. Account Name : XXXX 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 non-monetary relief
Consumer complaint received 2023-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 information incorrect

Complaint:
On XX/XX/2023 I sent the credit bureaus letters asking them to verify the debt on my report.TransUnion and XXXX responded stating that everything is verified correctly. My credit report is still showing inaccuracies. 
I never got a response from XXXX In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX TransUnionXXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXXXXXX 15 U.S. Code 1681s2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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.

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 2021-12-06
Company: JPMORGAN CHASE & CO.
State: SD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
Chase Auto appears that they process principle payments beyond the payment due, but the system won't allow for it. I have made multiple attempts to make more than the minimum payment and the system won't allow it. I have submitted a principle payment over the phone and they rescinded it 10 days later. 

Chase Auto is fraudulently collecting interest from it's customers by " allowing '' principle payments but administering a system that defacto does not.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX 2021

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 2023-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2023-07-11
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:
In accordance to the fair reporting act XXXX account XXXX, XXXX, XXXX has violated my right.

15 U.S.C1681 Section 604 Section 2 it also States a consumer reporting agency can not furnish and account without my written instructions.

15 U.S.C1681 Section 602 A States i have a right to privacy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-03
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I contacted Experian Credit Bureau on XX/XX/XXXX at phone number XXXX to update my personal information on my credit file, after unsuccessfully attempting to dispute the erroneous information online on XX/XX/XXXX. I have also sent a letter, dated XX/XX/XXXX requesting my address be updated and previous and inaccurate addresses be removed. During my phone call with Experian on XX/XX/XXXX, the representative stated the computer would not allow her to remove the addresses because they were verified by other companies on my report. These companies have not provided me with any verifiable info confirming my address nor any other personal information. My latest report, as of XX/XX/XXXX still shows the inaccurate address.

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 2023-10-10
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'm so disappointed! Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian and XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. 
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 explanation