BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-08
Company: Ray Klein, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Friday, XX/XX/2023, at XXXX XXXX  first call. Several calls to me after - harassment. 

I received my first call as an urgent voicemail from XXXX, she said she was with Professional Credit Services, phone number XXXX. 

When I called them back a different lady answered my call and would not transfer to this XXXX. 

She said that they are collecting on an urgent debt and will be taking action and reporting to credit agencies if I don't pay now. Stupidly I gave her my birthdate and thought omg why did I do that, she asked me for my address and I told her I would not give that to her. She was mad. I know better than to give someone my birthday but she got me really upset. 

The debt she was with a XXXX XXXX. I told her clearly ' " I never had an account with them in my life and that she committed fraud and I was recording the conversation, which I did record and I have it on my phone if you want it. 

Again, I have no debts at all. Also, I filed XXXX XXXX during covid but this company was never listed because again I never had an account with XXXX XXXX  or whatever she was calling it. 

Please advise what to do and what you can do with this information, I am worried they are calling many people and they are all frauds. When I asked her my email they said a XXXX, (? ) I said that is wrong I gave them my email and said send to this to me in writing. I have not seen anything yet. 

Thank you so much.

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 2020-11-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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 the incorrect items on my credit report. It has been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: RI
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
My loan with Carrington Mortgage was paid off through the sale of the property on XX/XX/XXXX. On XX/XX/XXXX, I contacted customer service regarding the status of the escrow refund check as we were in the process of moving and had no way of retrieving any mail that slipped through the mail-forwarding. The representative told me the check ( number XXXX ) in the amount of {$2100.00} was mailed on XX/XX/XXXX, and I would need to wait 15 days before calling to request the check be voided and resent. 

I have since attempted to follow up, but now that my loan is paid off the customer service phone number no longer recognizes my phone or loan numbers. There is no way to circumvent the dialer rotary to speak to a representative. 

On XX/XX/XXXX I sent an email and left a voicemail for Carrington Mortgage on their Advocates phone number and email address. Then on XX/XX/XXXX I was contacted by XXXX XXXX that my inquiry was opened, and he would email me with a follow up same-day. I did not receive an email from him or Carrington. The following day, XX/XX/XXXX, another representative from Carrington Mortgage called, stating the escrow check would be issued. 

I have not heard anything from XXXX, the other rep, or Carrington Mortgage since XX/XX/XXXX. 

I'm not sure what is going on here, but I need my money refunded to me immediately. I need the timeline of refund and tracking information for my refund check provided as soon as possible. 

Carrington Mortgage is not responding to my emails, inquiry with XXXX, or any other communication. I need help with this. 

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: Experian Information Solutions Inc.
State: GA
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 I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and 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 explanation
Consumer complaint received 2017-02-07
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
After receiving a " Payoff '' amount from Beneficial Mortgage in XXXX, 2000 in the amount of {$5000.00}, I paid this amount at the agency in full. 17 years later, Beneficial reports a charge-off to the IRS in the amount of {$5000.00}. The IRS sends me an outstanding tax bill since this was reported to them on a XXXX. 

I challenged Beneficial and was told I underpaid in XXXX2000 by {$750.00} and therefore, after accumulated interest over 17 years, they decided to charge it off instead of seeking payment. I have NEVER received a late notice, balance due or adverse payment history on my credit report from Beneficial. How can they do this? The bank I paid this account through is no longer in business XXXX XXXX XXXX XXXX Bank XXXX. And even if they were, I was told, records this old would not be maintained. There are XXXX of complaints against Beneficial on the web site all siting similar experiences. What can I do?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: EQUIFAX, INC.
State: GA
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 I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I am not satisfied that Transunion has completely fulfilled the guidelines of the Fair Credit Reporting Act in conducting its examination. I sense that the remaining account needs proper action to assure the maximum possible accuracy on my credit file. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. Update the account below : XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-24
Company: EQUIFAX, 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:
There's 2 inquires that where not authorized by me when i told Equifax they said its accurate how without my written consent that's illegal and i want them removed asap dating year XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: Credit Karma, LLC
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
I was given false information about being able to qualify for a credit card. My information was also used without my consent

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07
Company: EQUIFAX, INC.
State: OH
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 am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple Equifax Data breaches.

I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. 

Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21
Company: Experian Information Solutions 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:
XXXX  XXXX # XXXX is reporting an account with a balance to my credit that should not be on there. I settled this account a while back and it says it is settled on my credit report, but it is still reporting a balance. It should not have a balance on it and I need this account removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28
Company: Westlake Services, LLC
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
No full disclosure of information and fraudulent electronic signature and insurance was not included in the finance charge also a change in the interest rate without written consent

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 2022-02-07
Company: CITIBANK, N.A.
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 status incorrect

Complaint:
my complaint is with XXXX and citicards. have called and spoke to XXXX about 50 or 60 times and have disputed inaccurate information for citicards approx 6 or 7 times and still no resolution since early XXXX XXXX citicards is showing a negative indicator status as of XXXX XXXX shows account reporting currentlly negative my score has dropped about 40 points and my creditors can see this on XXXX XXXX score XXXX this account was closed XX/XX/XXXX in federal bankruptcy court and dischardged. the other 2 major credit bureaus are correct. i need to have the status date updated to XX/XX/XXXXacoount should not be reporting current please try to resolve this is grossly unfair. i also uploaded my bankruptcy docs from court showing citicards included in bankruptcy status date XXXX of XXXX per XXXX recommendation. as of today they still can not confirm that they recieved my uploaded docs. please try to help me this is a very simple date correction. Thank You 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 2022-05-20
Company: JPMORGAN CHASE & CO.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I am a business owner that has a Chase Bank business credit card. I used points on my Chase XXXX XXXX to book business travel from XXXX to XXXX. Due to a business matter, I had to reschedule my flight by 2 weeks. Since I used points, to reschedule my flight I had to speak with a Representative at Chase Travel Rewards to have them do it ( they required this ). The rep charged me a fee ( higher flight cost ) and sent me a confirmation of the flight being booked. When I showed up at the airport in XXXX on XX/XX/XXXX I did not have a ticket for the flight. The CHase Travel Rewards Rep never finalized booking the flight. I had to be in XXXX for XXXX the next day so I bought a ticket to another flight and had to pay an extra {$1200.00}. I filed a complaint with Chase TRavel rewards and they admitted verbally and in writing that they were at fault. They agreed verbally and in writing that they would refund me {$1200.00} for their error. They have not. The branch can not help me... local market executive will not do anything, chase escalation dept will not do anything... all have said chase is 100 % at fault but they will not just refund me. Now my CC payment is due in 8 days ( XX/XX/XXXX ) and I will now need to actually pay the {$1200.00} with my own money. I need someone to help. My company name is XXXXXXXX XXXX XXXX XXXX Note that i have called several times and even went to the branch in XXXX PA to resolve. everyone at chase says its their fault and i even have an email admitting their faukt and stating that they would refund me... no resolution

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
As stated previously I have been a victim of Identity theft. All removed said account and blocked it from my report except for Experian who deleted it on XX/XX/XXXX, then reported it back on XX/XX/XXXX. Stating that XXXX XXXX XXXX # XXXX requested that it to stay on my report. I have requested to receive the verification of proof and Experian was not able to provide. This account was deemed verified without stating the method of verification. It only stated that the account was verified. This is impossible to be validated because the account was fraudulently opened. Section XXXX of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within XXXX business days and to promptly notify the furnisher ( XXXX ) of that information. Attached is a police report made around the time of the account was notice on my credit 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 explanation
Consumer complaint received 2020-09-10
Company: Experian Information Solutions 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:
I have been trying to fix my credit with the 3 agencies for quite a while now, but recently I have been stuck at a certain credit level and no matter what I do it's just getting worse. It doesn't matter if I pay the department of education {$2500.00} for something that I was told was paid off or do exactly what the website tells me to do. 

The Experian website said I had a loan balance that was too high. That was one of the reasons for my credit being low, but now after I paid it it dropped another 7 points. So now I need to open up a new loan to get my score back up? This is complete insanity. Once I open up a new loan I'll take another hit and my credit will be even lower because I have new credit. It is not fair to hard working people struggling to just live and work, but you guys allow these credit agencies to make lives even harder. But I followed what the website told me to do. Their own site told me my loans were too high, so I paid them off. Now my score drops again.

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 2023-12-11
Company: WELLS FARGO & COMPANY
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2023 I was contacted by the Wells Fargo fraud phone number and someone either posed as an employee of Wells Fargo or was an actual Wells Fargo employee. They knew of the fraud activity that had been occurring on my account since XX/XX/2023 and gave me names of two people in XXXX GA that were attempting to access XXXX from my business account. They asked if I knew them and I responded no. I was then told that they were the same people who had been doing fraudulent transactions on my account and that they knew where they were and that they would be able to get them arrested. I was told that a special fraud agent was now in charge of my fraudulent activity and would be able to have them arrested. I was instructed that I had to repeat in the same increments the amounts that they were trying to access. I unfortunately believed this because of all of the fraudulent activity on my account and all the times I had recently spoken to this department. I did as I was instructed and I have never made a wire transfer ever so this should have appeared suspicious to Wells Fargo and I should have received a suspicious activity alert which I didnt. I reported all of this on XX/XX/2023. The XXXX transfers were credited back the next day after receiving XXXX XXXX response they had listed that the wire transfer case was started on XX/XX/2023 this is inaccurate. It makes no sense that I would open a fraud case on the XXXX transfers on XX/XX/2023 and not also opened the wire transfer case on the same day. This was all from the same fraudulent activity and I opened all three cases on XX/XX/2023. I have requested all information including employee notes that was used to investigate the wire transfer because this appears as negligence on XXXX XXXX part or employee negligence that all three were not opened the date I reported them on XX/XX/2023. I requested the information on XX/XX/2023 and have not received any response from Wells Fargo.

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 2023-05-08
Company: Velocity Portfolio Group
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I originally took out a personal Loan with XXXX, and it was fine up until I was talked into signing up with a debt consolidation company in order to try to bundle my debts with the promise of increasing my credit score. The consolidation company took payments directly from my bank account without making any payments to my debtors and it took months to get them to stop taking the money out which sent all my debts into default and damaged my credit score which I was trying really hard to build. XXXX was one of these lenders that was defaulted in the process. 

XXXX notified me that they sold the debt to " Velocity Investments LLC '' XX/XX/2022. Upon finding out they sold the debt I attempted to contact Velocity by phone and by email on XX/XX/2022, to try to make payment arrangements or settle the debt. Velocity Investments never responded to me, and I was never able to get in contact with anyone that could tell me about the account or who to get in touch with. I never received anything from them in the mail resembling an attempt to collect a debt. However, I just learned that they have filed a lawsuit against me without ever getting in contact with me, attempting to collect or responding to my requests for information. 

I have always paid my debts, and I truly regret trying to consolidate my debts because that's where everything went wrong. However, I don't think that its right that they can file a lawsuit without notifying me themselves, attempting to collect it, or even responding to my own requests, especially when I was attempting to resolve an issue the moment I learned of the account being sold. How is it legal for a debt collection agency to file a lawsuit without attempting to collect or responding? I will be contacting a lawyer.

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 2023-08-30
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

Company response to consumer: Closed with non-monetary relief