BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-30
Company: NELSON AND KENNARD
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was sued by XXXX XXXX through a debt collection attorney Nelson-Kennard for the amount of {$2500.00}. This was during the time I had just filed bankruptcy. A year later XX/XX/2019 the seized all the money from my daughters account. The amount of {$1900.00}. I contacted the law firm right away to have them release the funds back into my daughters account because this was not her debt and the account was not mine. The person I spoke to XXXX XXXX agreed. I would make monthly payments and they would release the funds. It took over a week to receive any documentation. The document states the full amount. I sent bank statements, check stubs, all the information they requested in order to prove the account was not mine. They still would not release the funds. After contacting and speaking to 2 attorneys 4 reps they released a partial amount of {$640.00}. And the remainder would be payable to Nelson and Kennard and applied to the debt. After a month of calling, putting together paperwork, contacting other attorneys to get my daughter 's money back. She is only XXXXyears old and has no obligation to this old debt. They still would not release the money. They applied {$1200.00} to the debt. I contacted the firm multiple times I wanted to renegotiate the terms. Since the balanced owed was different. And they did not follow through with the agreement we made. I made monthly payments. I jiust received a notice in the mail saying I am in default and that are agreement is no longer in affect and I need to pay the balance in full immediatly or legal action will be taken. Basically, threatening to garnish or levy my bank account again. Nelson-Kennard has not responded to one of my request. They call and send threatening letters. This whole situation has damaged my  entire family. My daughters XXXX money was taken which she needs for school. The stress and hardship it has caused I can't even put into words. It is by far one of the worst experiences I have ever had. And Ive lost my house, filed Bankruptcy twice been through a divorce. For a debt collection agency to levy a child 's bank account is unethical. All of the turmoil that has been caused because of credit card debt in the amount of {$2500.00}. That should of been included in the bankruptcy but somehow slipped through cracks.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: Experian Information Solutions 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 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. 

The letters are stated with items and issues. 

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. 

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 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 2022-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is XXXX XXXX submitting this CFPB Complaint to once again, inform the Credit Reporting Agencies that I was a victim of identity theft and this is another request to remove the fraudulent information from my credit file resulting from the identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit reporting Agencies are required to remove any information not later than 4 business days after XXXX XXXX, XXXX. Also, the information that some Credit Bureau provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. Once again, please have the following items removed as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MO XXXX XXXX po XXXX XXXX O XXXX, MO XXXX XXXX XXXX XXXX XXXX Balance : {$7100.00} XXXX XXXX XXXX XXXX Balance : {$6800.00} XXXX XXXX XXXX XXXX Balance : {$5600.00} XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX Balance : {$7200.00} XXXX XXXX XXXX XXXX Balance : {$9400.00} XXXX XXXX XXXX XXXX Balance : {$3100.00} XXXX XXXX XXXX XXXX Balance : {$460.00} XXXX XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX Balance : {$8100.00} XXXX XXXX XXXX XXXX Balance : {$8300.00} XXXX XXXX XXXX XXXX Balance : {$6700.00} XXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX XXXX Balance : {$3300.00} XXXX XXXX XXXX XXXX Balance : {$3900.00} ( Original Creditor : ) XXXX Balance : {$390.00} ( Original Creditor : ) XXXX Balance : {$280.00} XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX AUTO XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX JA XX/XX/2022 XXXX XXXX, XXXX XXXX XX/XX/2022 XXXX ACCEPT XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022. This CFPB complaint is to notify the Credit Bureaus that if they do not REMOVE the listed items on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold the Credit Bureaus accountable for your willful noncompliance.

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 2023-05-15
Company: Resurgent Capital Services L.P.
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
i have a capitol one creditcard open XX/XX/XXXX in XXXX i XXXX XXXX XXXX XXXX XXXX XXXX was facing financial hardships and couldnt get to bay by bill ontime as useto right before. i was paying my bill ontime. an im asking for a second chance plz to be back on the right path an i will star makin ontime payments again

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08
Company: EQUIFAX, INC.
State: LA
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:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX 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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
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. 

Account name : XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX # XXXX, Account name : TRANSUNION CREDIT BUREAU ; 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 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.

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.

I HAVE NEVER GAVE TRANSUNION PERMISSION TO FURNISH OR PUBLISH ANY ACCIUNT INFORMATION RELATED TO THESE COMPANIES. I HAVE CONTACTED TRANSUNION VIA CERIFIED MAIL AND PHONE AND INSTRUCTED THEM TO BLOCK OUT FRAUD ITEMS AND THEY REFUSED. I CONTACTED THEM AND ASKED THEM TO PLEASE NOT ALLOW ANY OF THE ABOVE MENTIONED COMPAINES TO BE ABLE TO FURNISH ACCOUNTS ON CREDIT FILE OR HAVE ACCESS TO MY INFORMATION AND TRANSUNION VIOLATED MY RIGHTS AND ALLOWED THESE COMPAINES INTO MY PERSONAL CREDIT FILE

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 2021-03-08
Company: Experian Information Solutions Inc.
State: MD
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:
Several times in the last 2 years, EXPERIAN has dropped my credit scores when absolutely nothing has changed or according to credit score criteria my score shold have increased. EXPERIAN has been aggressively pushing an invasive program called EXPERIAN BOOST for the last 2 years at least which allows EXPERIAN to gain access to your Checking/Savings accounts in return for a possible score increase. At the very least 2 times in the last 2 years EXPERIAN has dropped my score when the criteria indicates a score increase or at the very least no change at all. 

Both XXXX  and XXXX have increased or left alone my scores during the times of EXPERIAN dropped my scores. 

The only difference is that XXXX  and XXXX  have not offered a BOOST type of privacy invading program. 

Experian may as well just accept money to increase your scores. But that doesn't happen does it ... YET?!?

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 2019-09-30
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/2019 at XXXX, the " Cease Order '' on my account was violated when a Wells Fargo representative phoned me at my home. 

In addition, she was quite rude, disrespectful, condescending and dismissive when advising me of what documents are needed for a loan modification. 

On Thursday, XX/XX/2019, I called Wells Fargo to request to start a loan modification. The first gentleman I spoke with became rude after asking me the reason for my " hardship ''. I explained it to him, including how Wells Fargo has increased my payment almost {$1000.00} in the last 10 years and how I hesitated until now, to seek help from them because I do not trust Wells Fargo and fear they are trying to take my home. 
He became irate, stating " Wells Fargo doesn't want your house! We have investors who are interested in buying your property ... '' I then hung up the phone, I was very upset. 

After calming down, later that same day, I called again and got a female representative and again, began trying to apply for the a loan modification. 
She was a bit more professional, so I continued with the initial " welcome '' process. The call ended with my understanding that the application will be mailed, what documents I needed to submit with it and that due to the cease order on my account, SHE COULD NOT CALL ME, I WAS TO CALL HER WHEN I RECEIVED THE MAILING. 

When I tried to remind her that we spoke on the XXXX, that I understand what was expected of me and that I did not receive anything yet, she started " talking down to me '', like I was a child or something. She then stated, " Look, I have over a hundred other clients to deal with, so ... '' At that time I interrupted her and stated that I would like to withdraw my application immediately and I hung up. 

In closing, be advised that this is the 2nd attempt I have made to apply for a DESPERATELY NEEDED LOAN MODIFICATION. But, due to Wells Fargo 's unprofessional representatives, I really do not trust that my situation will be treated fair, accurate or even courteous. 
Please help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: Experian Information Solutions 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 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.

The letters are stated with items and issues.

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.

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 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 2019-09-30
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have been a victim of identity theft as i have reached out to this company numerous of times to resolve this dispute. But to no avail. I have sent my police reports and documentation but this company refuses to answer my request

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 2021-03-08
Company: EQUIFAX, INC.
State: HI
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:
While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
hello i had a citi bank personal account for XXXX years no problem working with them. i have a small business due to covid i applied for SBA loan with all my documents social and taxes i was aproved for the loan. they deposit my funds into my citi bank account in XX/XX/2021 XXXX dollars next day the bank froze my account ask me for proof of my business and for the loan which i totally understood next day i went to the bank with all my documents and fax all the documents to the fraud department from the bank. literally 2 hours later after citi bank fraud department received my business documentation and approved everything told me i was totally gave me access again to my funds with no problem. after that one month later sba approved my business for more money another loan of XXXX dollars same documents same bank same business after a weekk of receiving the money the second time citi bank called and ask me for the documents again which i thought will be like the first time. i went next day to the branch and summitted all the documents again but this time they didnt re open my account or gave me an explanation why for the next 4 months after the second loan my acccount and all my money funds were frozen i had no way to pay rent my car or my business citi bank never gave me a reason on why this time they closed my account for so many months their customer service its the worst CLOSING THE PHONE on me like i was some type of criminals and not giving reasons on what happened. 4 and a half months later i callled one more time which this time i was told my account was totally closed finally they answered me something i ask them to send the funds back to the sba. the loan money after 2 months of my account being closed has not being sent back to the sba loan office they refuse to answer on when this will happen or to tell me the reason why my accont was closed when the first loan they had no problem reopening my account. 



my account number on citi bank was XXXX routing number XXXX name on the account XXXX XXXX phone number XXXX sba loan number application # XXXX i have all my taxes and documents for my business. thanks for the help. 
email 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 2023-01-11
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 have been battling this inaccurate late payment for awhile now and this haven't been proven whatsoever. It would be nice and just to remove these inaccurate late remarks that never happened. 

Also, there are some unauthorized inquiries that I don't recognized.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-23
Company: DISCOVER BANK
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I have filed a complaint with CFPB, earlier ( Nos. XXXX & XXXX ) Upon the receipt of a letter, dated XX/XX/2022 from Discover Card Executive Office of Customer Advocacy requesting payments for unauthorized/unrecognized charges, I would like to upload additional documentation along with a copy of my letter to XXXX XXXX, XXXX Office of Customer Advocacy, Discover Card Corporation . As I have included details concerning several points worth of attention. Thanks. 

Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-31
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Chase bank transfer funds from my account to an unknown XXXX  XXXX account. The amount is in excess of XXXX XXXX. After contacting Chase bank they instructed me to fill up many forms. This did not stop the transfers, so I personally went to the branch and after visit, calls, forms they stop XXXX  XXXX from taking any more money. 

After 3 months I am still waiting for Chase Bank to refund the money taken from my account without my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
After numerous attempts to try and fix fraudulent addresses, names, and accounts on my credit report from XXXX, XXXX, and Experian, I haven't had any results or verification from anybody. The only name that should be on my credit report is XXXX XXXX XXXX. The only address that should be reported on my credit reports from all 3 bureaus should be as followed : XXXX XXXX XXXX, XXXX NC XXXX. All these other addresses are fraudulent. These fraudulent accounts need to be removed they are not mine and they won't investigate my claims. These are the fraudulent accounts as follows : 1.XXXX XXXX XXXX acct XXXX XXXX 2.XXXX XXXX XXXX acct XXXX XXXX 3.XXXX acct # XXXX 4.XXXX XXXX XXXX acct # XXXX acct # 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