BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-13
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I was affected by the XXXX breach. Someone has stolen my identity. I've taken every precaution to try to secure my information. I've put freezes AND extended fraud alerts on all 3 credit bureaus SEVERAL TIMES ( Experian - XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ) ( XXXX - XX/XX/XXXX ; XX/XX/XXXX ; and I locked the account myself online around that time. I also put a promo block on XX/XX/XXXX ) ( XXXX  XX/XX/XXXX ; XX/XX/XXXX {$5.00} ; XX/XX/XXXX ; XX/XX/XXXX {$5.00} ; XX/XX/XXXX and XX/XX/XXXX ) and they were allowed to be lifted by someone who was NOT ME. I have put verbal passwords in place to ensure nobody can alter my information, but they were either overlooked or accepted pending further questioning to " prove my identity ''. The " further questioning '' consists of questions giving multiple choice answers to someone who has already stolen my identity and can see the answers on my credit report. In one or 2 cases, someone was allowed to fax in " my '' drivers license for the freeze to get lifted. It was NOT MY DRIVERS LICENSE. I shouldn't have to feel like I'm protected over and over again, only to get alerted by my credit monitoring company that new inquires or tradelines are again being opened in my name. I'VE ALWAYS LIVED IN MINNESOTA. The fraudsters have given me an address in XXXX. XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX IL XXXX. I'VE NEVER LIVED IN XXXX! I have spoke to multiple people at the 3 credit bureaus who assured me none of my information would change, YET IT DOES!

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 2023-08-13
Company: Certified Services, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Certified Services Inc continue to violate my consumer rights by reporting this alleged debt. Certified Services Inc is a third party to the agreement therefore they hold no rights to enforce the contract. 

XXXX. TRANSFER OF INSTRUMENT ; RIGHTS ACQUIRED BY TRANSFER. 
Primary tabs ( a ) An instrument is transferred when it is delivered by a person other than its issuer for the purpose of giving to the person receiving delivery the right to enforce the instrument. 

( b ) Transfer of an instrument, whether or not the transfer is a negotiation, vests in the transferee any right of the transferor to enforce the instrument, including any right as a holder in due course, but the transferee can not acquire rights of a holder in due course by a transfer, directly or indirectly, from a holder in due course if the transferee engaged in fraud or illegality affecting the instrument. 

( c ) Unless otherwise agreed, if an instrument is transferred for value and the transferee does not become a holder because of lack of indorsement by the transferor, the transferee has a specifically enforceable right to the unqualified indorsement of the transferor, but negotiation of the instrument does not occur until the indorsement is made. 

( d ) If a transferor purports to transfer less than the entire instrument, negotiation of the instrument does not occur. The transferee obtains no rights under this XXXX and has only the rights of a partial assignee.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11
Company: ENCORE CAPITAL GROUP INC.
State: PR
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I received a new legal documentation from Midland Credit Management LLC few days ago by mail, not in my home, the letter was delivered to my parents house mailing. 


They sue me trying to collect an old account ( more than 7 years ago ) for the amount of {$1500.00}. 

On XXXX XXXX I received a notification from the court indicating that the the case was closed on XX/XX/2019, this action was after I complete on CFPB a complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-30
Company: Security Credit Services, LLC
State: AR
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This Collection appeared on my Report Reports. I have no Knowledge of this debt or how old it is to know if it is even still reportable.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I was affected by the XXXX breach. Someone has stolen my identity. I've taken every precaution to try to secure my information. I've put freezes AND extended fraud alerts on all 3 credit bureaus SEVERAL TIMES ( XXXX  - XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ) ( XXXX - XX/XX/XXXX ; XX/XX/XXXX ; and I locked the account myself online around that time. I also put a promo block on XX/XX/XXXX ) ( TransUnion XX/XX/XXXX ; XX/XX/XXXX {$5.00} ; XX/XX/XXXX ; XX/XX/XXXX {$5.00} ; XX/XX/XXXX and XX/XX/XXXX ) and they were allowed to be lifted by someone who was NOT ME. I have put verbal passwords in place to ensure nobody can alter my information, but they were either overlooked or accepted pending further questioning to " prove my identity ''. The " further questioning '' consists of questions giving multiple choice answers to someone who has already stolen my identity and can see the answers on my credit report. In one or 2 cases, someone was allowed to fax in " my '' drivers license for the freeze to get lifted. It was NOT MY DRIVERS LICENSE. I shouldn't have to feel like I'm protected over and over again, only to get alerted by my credit monitoring company that new inquires or tradelines are again being opened in my name. I'VE ALWAYS LIVED IN MINNESOTA. The fraudsters have given me an address in XXXX. XXXX XXXX XXXX XXXX XXXX  XXXX ; XXXX IL XXXX. I'VE NEVER LIVED IN XXXX! I have spoke to multiple people at the 3 credit bureaus who assured me none of my information would change, YET IT DOES!

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 2019-08-30
Company: Prosper Marketplace, 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: Account information incorrect

Complaint:
I was in the process of applying for a personal loan with " PROSPER '', with an understanding that, it will only be a soft inquiry, unless i'm approved, during the cause of this, they pulled my credit! and i received a letter stating, they were unable to extend the loan Due to a low Fico and late charges, it seems they were just making up excuses, because non of these is true, my Fico is in the mid 700s, and never been late in anything on my credit, however, i have made several attempts to have the hard inquiry removed, but all efforts proved abortive, this ' a complete deception on the part of this bank " PROSPER ''

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 2019-08-26
Company: Kriya Capital, LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
In XX/XX/XXXX I asked XXXX XXXX to disconnect my service because I was evicted and homeless. I was legally restricted to stay off of the property or face trespassing charges. They turned it back on without notification to me. It was on for a period of time which I do not know how long. I did not use this service. XXXX XXXX is the landowner. If anyone used it it was him. He was the only one with access to the residence. The locks were changed on XX/XX/XXXX and I did not have access to enter the premises legally. I have disputed this three times with other companies. I did not open the account in XXXX. That is when they bought the debt. The last payment was in XX/XX/XXXX. Then I was homeless in XXXX and had no way to pay it. I need this removed from my credit as I do not owe XXXX XXXX XXXX. My debt was not with them. Honestly I believe it is a disgrace when companies buy debts from other companies and try to portray a scenerio with false information that is not true. I am now XXXX and receive under {$800.00} a month. It barely covers my mortgage and car. If there is more information needed please contact me at XXXX. I will forward it to you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: EQUIFAX, INC.
State: DC
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 submitted a letter to the XXXX Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaints, and I'm including it again. 
XXXX XXXX XXXX Balance Owed : {$810.00}, XXXX XXXX XXXX Balance Owed : {$6000.00}, XXXX XXXXXXXX XXXX Balance Owed : {$450.00}, XXXX XXXX Balance XXXX : {$110.00}, XXXX XXXX Balance Owed : {$46.00}, XXXX XXXX XXXX Balance Owed : {$1200.00}, XXXX XXXX XXXX XXXX Balance Owed : {$36000.00}, XXXX XXXXXXXX Balance Owed : {$0.00}, XXXX XXXX XXXXXXXX Balance Owed : {$3400.00}, XXXX XXXX XXXX Balance Owed : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10
Company: Experian Information Solutions Inc.
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Experian is terrible to work with in trying to resolve a Freeze. I know at one point I froze my accounts. I am trying to unfreeze to qualify for a mortgage. I have spent the last hour trying to reach someone at Experian. I believe I incorrectly pushed a button and it froze my account. It is not possible to speak with a person. The one time I was able to reach a person she immediately hung up on me. It shouldn't be a multi-day complex process requiring numerous hours to be able to unfreeze my credit report. Someone should be available to help and this should be a requirement by the government after all of the pain the credit reporting services have caused the American Public. These companies are absolutely miserable to deal with.

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 2023-08-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
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:
Company is in violation of 15 USC 1681 ( 2 ) ( a ) ( i ) and continues to intentionally cause negligence after company has been informed of such violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13
Company: SUNRISE CREDIT SERVICES, INC
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Someone fraudulently placed an order in my name on XX/XX/XXXX to purchase an XXXX XXXX XXXX XXXX - XXXX in XXXX XXXX . The card # used ends in XXXX which does not belong to me. The invoice number is XXXX. The XXXX order # is XXXX. The payment listed is {$130.00}. The total cost I am being charges is {$1400.00} which is the cost of the phone and a monthly statement fee for XXXX account # XXXX. I did receive a box at my home, and it was returned. The return date is XX/XX/XXXX. All of this information was provided by a customer service agent with XXXX. I have copies of the purchase invoice and the return of the product to an XXXX store in my area. The last order status shows a refund was going to be processed and returned to the card ending in XXXX in the amount of {$130.00} which I do not own. 

This account was resolved with XXXX XXXX, but it was sold/transferred to XXXX XXXX XXXX , reference # XXXX. Their invoice is dated XX/XX/XXXX. I was able to dispute this account and they removed it from their system. Now the same account has been sold/transferred to Sunrise Credit Services , reference # XXXX. This collection agency also says I owe {$1400.00} just like the previous collection agency. A brand-new phone was returned to the creditor and never used. How can I be charged for a phone I did not order, and the return was processed by an actual XXXX employee at a store?

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 2019-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 will not fix an error it has been reporting on my credit file - i have disputed numerous times and they refuse to fix it. the dispute is with a XXXX  XXXX auto loan - from XXXX they report my last payment date as XX/XX/XXXX - this is not correct - the first date the account went delinquent AND STAYED DELINQUENT was XX/XX/XXXX - i know this for fact as i was in the XXXX maryland XXXX homeless shelter XXXX ( located at the XXXX XXXX  XXXX XXXX XXXX and i have a letter from them on their letterhead validating this fact - i can send if needed ) - i had no money to pay anyone i attached transunion 's own report i pulled and you will see where transunion reports the last payment was made in XX/XX/XXXX and never got out of delinquent status. so this being the last payment date - this item should be scheduled to be removed from my report XX/XX/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 2023-11-09
Company: WELLS FARGO & COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX my rent check was cashed by someone other than the payee. Someone fraudulently endorsed the check it still was cashed. When I became aware of this, I immediately notified my bank Wells Fargo. They closed my account. Then they sent me an affidavit to be completed and notarized. I completed this affidavit at a Wells Fargo branch. The bank, notarized the affidavit and faxed it to the claims department at Wells Fargo. After the affidavit was received, I did not hear from Wells Fargo. The affidavit was received by Wells Fargo on XX/XX/XXXX. I reached out to Wells Fargo several times to understand the status of my claim without notification to me or any communication to me. Wells Fargo closed my claim due to missing information. I only was notified of this when I called to check the status of my claim. The claims department said the investigator would have to call me back. I requested what information that they need and asked next steps, they said they would return my call in XXXX to XXXX business days. I reach out to them a week later, as I had not heard back. The investigator again close my case without even contacting me. The claims department said the investigator has to be the one to contact me. Wells Fargo admitted the investigator did not follow the steps and filed an internal complaint. However I still need to speak with the investigator and the investigators gon na call me supposedly within XXXX business days. I am not heard anything from the investigator. The claims department can no longer help me. I still have not received my funds.

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 2019-08-30
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
HSBC Bank Nevada, N.A. is now on their third collection agency attempting to collect a debt that is not mine. I first received received a letter from XXXX XXXX XXXX XXXX in XXXX regarding this debt. I have no idea what this is. I responded in writing ( copy attached ) asking for the debt to be validated and received no response. I didn't hear anything more about it until I received a similar letter in XXXX from XXXX XXXX XXXX , XXXX. attempting to collect the same debt that was never validated. I sent them a letter too ( copy attached ) requesting validation of this debt with no response. Now I've received a third letter from XXXX XXXX XXXX ( attached ) about this same debt that these companies have now failed to validate twice. I am not asking them a third time. This is getting to the point of being harassment. Every time I ask them to validate this debt I receive no response. It feels like they just keep passing it from collection agency to collection agency and I'm tired of it. This is not my debt, I will not pay it, and I am not legally obligated to pay a debt that isn't mine, especially after they've ignored my written communications for over two years. I have also attached copies of the certified mail receipts as proof that I did in fact send these letters requesting validation of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
CITIBANK had closed my account, and issued me a check for the remaining balance that was left on my account before being closed. The check issued was stolen, and the bank issued me another check XX/XX/2023 in which one of the phone tellers advised me that, the check should arrive in the mail no longer than 10 business days. And I yet have not received anything in the mail. So this is making very inconvenient for me not having my money available to me. As I could of paid any of my bills with that money, and yet the bank wants to delay in giving back the money that is mine. And this is not the first time, this has happened to me with this bank.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquires XX/XX/2022 XXXXXXXX XXXX XXXX XX/XX/2022 XXXX 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. 
has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy.15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions15 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.15 U.S.C . 1681s-2 ( 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I received a fraudulent cashiers check and the bank processed the amount of {$8900.00} after I deposited it in the Wells Fargo XXXX on XX/XX/2021. It went into my account and i was asked to pay {$3800.00} for fees by the scammer. I did so on XX/XX/2021. Later that evening the bank took the {$8900.00} out of my account flagging it as not legitimate and needed until XX/XX/2021 to verify. However by then, the payment i sent out subtracted causing my account to be out into the negative by thousands of dollars. I contacted the bank and all they told me was to file a police report and there was nothing to do to stop the transfer i sent out or cancel anything else.

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 2023-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I recently submitted a request for an investigation of the disputed account, Since I believed 3 Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the listed account from my file. 

XXXX  XXXX XXXX Balance : {$290.00}.

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