BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-19
Company: Linebarger Goggan Blair & Sampson LLP
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Upon first notification of a debt, I called and requested information from Linebarger Goggan Blair & Samson , LLP. The suggested debt is from the year 2018. When LGB & S said it was from a traffic violation in XXXX, FL on XX/XX/2018. I then retraced my travel and bank records for this time period and saw that I was in XXXX NY working in a hospital during most of the month of XX/XX/2018. 
I mailed the debt collector proof, XXXX pages of bank records where I had eaten meals, hotels, gas, etc and paid by my bank card in and around the area of NY that I was working in during the time period in question. I could not have checked in to a hotel or worked in a hospital without photo id. It was not possible for me to be in NY and XXXX FL at the same time on the same day. 

I asked Linebarger and Associates to remove the debt and to not pursue it, with me, any further based on this evidence. I also asked that since I work in a medical environment that they do not attempt to contact me or send me any further debt collection bills .I wrote a cease and desist letter on XXXX and received another bill on XXXX XXXX now feel like I am being needlessly harassed. 


I

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: ALLY FINANCIAL INC.
State: OH
Product: Credit card
Sub-product: Store credit 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 am responding to ally credit cards response dated XXXX  Back in XXXX i did make a couple of purchases from XXXX and use my ally credit card to make the purchase. After that my account was hacked and closed by XXXX which i sent that over showing to you. XXXX had given me credits for the merchandise that i purchased. When i got my statement there were other charges that i did not recoganize and i reached out to XXXX they infestaged closed my account out cause it was hacked. I have called ally severall times to report this and each time time the ignorant people i spoke to keep giving me dispuites insted of fraud. Listen and listen to me good for the last time i did not make the XXXX charges that are currently on this bill those charges are fraud. There were two sets of charges the other were refunded cause i sent the merchandise back. After that my XXXX account was hacked and these other charges are fraud not mine. Im sick of arguing with the ignorant people at ally credit card. What is wrong with you. I am reoprting this to the attorney general general of the state of ohio and the XXXX I have also spoken with an attorney and will sue you if need be or if you try and report this to my credit buro. Again im telling you these charges are fraud. Remove them from my account i sent documtation from XXXX showing that my account was hacked. This is ridicilous. I had sent the screen shots to show that the charges i made were sent back to XXXX. As proff. The rest of the bill is fraud fix it

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 2020-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
The bureaus fell to comply with the law.. I sent out several dispute in regard to my credit concern.. They have not yet to provide me with my investigation results.. They are in violation of the law and I will like for my credit concerns be removed from my credit report.. immediately

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 2020-11-03
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:
I HAVE INFORM AND PUT ON NOTICE THAT THESE ARE NOT MY ACCOUNTS THEY HAVE YET TO REMOVE THEM FROM MY CREDIT PROFILE.

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 2023-11-06
Company: WELLS FARGO & COMPANY
State: IA
Product: Credit 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:
Wells Fargo had a major outage in XXXX of XXXX. Since that time, I have been unable to login to Wells Fargo online. 

This was a big problem for me, because I received my statements exclusively through Wells Fargo online. After multiple contacts via phone, mail, and at the branch, I was unable to get my access restored. So, I switched to another bank in XXXX of XXXX. 

In XXXX of XXXX, I was alerted to fraudulent charges on my card via the credit bureaus. Wells Fargo never tried to contact me about these charges. They just reported me to the credit bureaus. I am 100 % certain that I did not make these charges. I had not used the card for over a year. And the charges were for things like XXXX, which we don't even have in our area. 

I immediately alerted Wells Fargo to the fraudulent charges. And they said the charges would be removed. I have this in writing from them. 

Wells Fargo did not follow through with what they said. And they dinged my credit report again. 

At this point, I hadn't even received a bill for these charges. I hadn't received statements from Wells Fargo since XXXX of XXXX. 

Wells Fargo doesn't appear to care about fraudulent charges in their system. They were notified well within the required time frames. But even today, they have not taken action on the fraudulent charges.

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 2020-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown ac-counts from my credit report as soon as possible. XXXX XXXX {$390.00} XXXX  XXXX {$1000.00} XXXX XXXX {$480.00} XXXX/XXXX  XXXX {$620.00} XXXX/XXXX  XXXX {$4100.00} XXXX XXXX XXXX XXXX {$420.00} XXXX  XXXX XXXX {$950.00} XXXX  XXXX {$7900.00} XXXX XXXX {$1200.00} XXXX XXXX {$410.00} XXXX/XXXX  XXXX {$1200.00} XXXX/XXXX  XXXX {$1200.00}

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 explanation
Consumer complaint received 2023-12-27
Company: Mr. Cooper Group Inc.
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing to dispute and request the immediate removal of the late dates of certain entries on my credit report, specifically accounts related to NATIONSTAR. I submitted a request for information regarding these alleged debts. Regrettably, as of today, I have not received any correspondence from them in response to my request. It is critical to note that these companies have failed to provide sufficient information to verify the debts in question, even after being given ample time. The lack of communication or response from them is both concerning and a violation of standard credit reporting practices. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ). Nationstar  XXXX XXXX XXXX.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: Kikoff Inc.
State: MI
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:
15 U.S.C. 1681 i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; This is hurting my credit report, I have being denied credit because this error. XXXX was reporting late payment when I overpaid on purpose. I was told XXXX to XXXX it was lapse of payment, I overpaid and they didnt recognize. The payment is only {$2.00} and I paid {$6.00}, to cover 3 payments in the future of the payments. Below is a screenshot showing XXXX XXXX to XXXX XXXX. I was never late and its illegal to report this inaccurate information. I overpaid because I was was in the hospital after being diagnosed with XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 credit repair specialist have sent in multiple documents to XXXX, Transunion, and XXXX as they continue to violate my FCRA rights in many ways over the past year! I've gone through CFPB and XXXX XXXX XXXX XXXX. They have refused to remove the fraudulent and inaccurate items off of my credit report. My only other option will be to contact the Attorney General 's office and the CEO of XXXX, Transunion and XXXX about their unethical practices at their companies. 

On XX/XX/2022, there was a CFPB complaint sent in : reference # XXXX This case was closed, with the fraudulent items STILL on my report! And here I am 1 year later, still fighting for my rights. This is my last time doing this and I will sue all XXXX companies. 

Everything that I have ever filed will be attached to this complaint for proof.

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 2023-01-03
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately.

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 2023-01-01
Company: Coinbase, Inc.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
My coinbase account was locked for nor reason by Coinbase. I have been in touch with their support which has been of no help. They won't give me a reason, just that they need to verify my identity using a selfie and biometrics. I have done this multiple times and they either respond with we will get back in 14 business only to say pictures were blurry. They have said this multiple times and one time they claimed they didn't receive pictures. I have email communication documents to the above. When this started there was XXXX in the account, since XXXX have gone down the account has dropped below XXXX, I can't even access it to check my holdings or portfolio. This has gone on for months and still I have no reason for their action, I can only say that it was locked right after the proof of stake with XXXX  in XXXX, I had staked XXXX with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: EQUIFAX, 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 repaid delinquent accounts with an agreement to have the accounts removed from my credit report. None of the accounts have been removed and it has been over 120 days, or a reasonable amount of time. Please help to get the accounts removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: Experian Information Solutions Inc.
State: IL
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 recently checked my credit report and saw a very very very old account from XXXX XXXX XXXX as a charge off on my credit reports from EXPERIAN AND XXXX - XXXX did not!!! this account been closed and settle since 2016!!! i never ever received any legal communication, correspondences from them all these years! they greatly damaged my credit worthiness! 

there is no apparent evidence of agreement! I definitely never been informed nor understand why this is reported wrongfully on my credit! its insane to me that credit reporting agency who are supposed to protect our privacy and rights don't even check if the info is correct or verify anything and just put it on my credit! I sent letters to EXPERIAN credit bureau via XXXX mail # XXXX, XXXX XXXX mail # XXXX and to XXXX via XXXX mail # XXXX and also filed a CFPB complaint # XXXX to demand them to rectify immediately this fraudulent reporting and incorrect reporting. 

I need this fraudulent closed account and reporting to immediately be removed from my credit report!!! it is clearly a full violation of my consumer rights. 

thank you for your help with this urgent matter.

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 2018-11-15
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received my escrow analysis on XX/XX/2018 and it is incorrect by a lot. {$450.00} to be exact due on XX/XX/2018, or ( of coarse ) my mortgage would be affected by the shortage for the next year. On XX/XX/XXXX I called my bank to claim there was something wrong with my analysis since the shortage was so large ( I expected maybe {$10.00} to {$20.00} difference ). At which time I would of paid the difference to keep my mortgage within the same price range as I am on a FIXED income. Knowing my last bank statement had my escrow account balance at {$380.00}. The mortgage personal on the line quickly realized the mistake of my analysis starting my escrow balance at {$3.00} and said I'm going to put in a request for the escrow department to do another analysis. I inquired will I get the new analysis before the XX/XX/2018 escrow shortage due date, she checked and said " Yes, you should have it in the mail by the XXXX. It didn't come the XXXX or the XXXX of XXXX, so I called my local branch to get some help from someone there. Was told " I can't do anything with an escrow dispute, unless it's in writing. '' I asked if I could speak to a Mortgage personal, she said she was one and I would have to call the XXXX number for the branch. So I called them on the XXXX only to find out the escrow department declined my request as ( and I quote ) " we only have to do one analysis a year. '' Called my bank again today the XXXX as they also included in my actual column on my analysis two house insurance payments within two months of each other, even though its in bold writing, Which is another {$480.00} clerical error on my analysis. Between the two XXXX ups done by XXXX escrow department it totals {$860.00}. They wouldn't help with the last XXXX up and I don't trust them to decline this request. So, I apologize if I'm jumping the XXXX with this complaint, but they didn't do another analysis on the XXXX as I had been told would be done. I didn't realize the escrow department had the right to decline an analysis request, especially with any clerical error. I also called my house insurance company to check and see if they didn't get paid twice to create a shortage, they haven't. Just currently stuck in a situation where I don't trust my bank with my money at all anymore. I also want any extra monies applied to my escrow to date applied to my mortgage principle printed on a bank statement. As a small change was made to my mortgage payment before the so called escrow analysis was done. The payment was made on the XXXX of XXXX and the increase was put into my escrow account. I currently haven't received my mortgage statement yet as they are printed on the XXXX of each month and received by now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-03
Company: Experian Information Solutions Inc.
State: IL
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:
THIS IS NOT A DUPLICATE COMPLAINT. This complaint is sending due to the new evidence. Experian credit Bureau is violated the law of FCRA and my rights. In accordance with the Fair Credit Reporting act. The list of account below has violated my federally protected consumer rights to privacy and confidentiality 15 USC 1681. Account name : XXXX XXXX XXXXXXXX 15 U.S.C. 1681 Section 602 A. States I have the right to privacy. 15U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 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 any consumer reporting agency if the person knowns or has reasonable causes to believe that the information is inaccurate. 
Besides Experian is reporting incorrect information on the account XXXX XXXX XXXX- the payment history of this account is incorrect from XX/XX/XXXX to XX/XX/XXXX. None of the payment was missed. 
Please remove incorrect information from my report immediately.

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: EQUIFAX, INC.
State: NM
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 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.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-18
Company: Pendrick Capital Partners Holding, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Yesterday a significant negative report was made on my credit report by someone called XXXX XXXX. Upon investigation, I was told today that they bought an alleged debt from Kendrick Capital Resources. Neither company has any backup for the debt, can not tell me where it came from or what it was for.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07
Company: EQUIFAX, INC.
State: TX
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 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.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-03
Company: Experian Information Solutions Inc.
State: IL
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:
Experian has failed to follow guidelines provided by FCRA. There are inaccuracies and fraudulent information being reported on my consumer report. Experian was made aware of fraudulent activity in XX/XX/2022 and has failed to block and remove the negative inaccurate information. There inaccurate names addresses and accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation