BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-15
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am writing this complaint with concerns of fraudulent addresses that appear on my credit report that I have never lived at. It is possible that it might be a relative sharing a old address not mines. Please remove delete the following : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX used the credit services provided by Equifax to run his XXXX credit report. 

He was in collections for {$320.00} to XXXX XXXX XXXX, account number ending in XXXX. 

The account was opened on XX/XX/2019, according to the Equifax credit report. 

XXXX hasn't given anyone the go-ahead to exploit his information, and nobody ought to have access to it either. 

XXXX is a victim to Identity

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-13
Company: National Credit Systems,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:
On XX/XX/XXXX " NATIONAL CREDIT SYSTEMS INC '' began to report a {$8500.00} collection account to my credit report. The original account is an apartment complex named " XXXX XXXX  ''. I have never lived at this apartment complex and this account is a result of identity theft. I have made a police report with my local police department as well as filled out an FTC Identity theft report and sent it in to " NATIONAL CREDIT SYSTEMS INC '' and they refuse to stop reporting this account to the credit bureaus! This is a violation of the Fair Credit Reporting Act. They should not be reporting this account to the credit bureaus after receiving my police report. I sent the Police Report in XX/XX/XXXX last, but have sent it multiple times in the past.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: TD BANK US HOLDING COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Checking account was opened fraudulently under my name on XX/XX/2022 at TD Bank. I informed bank and bank has closed account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-22
Company: WELLS FARGO & COMPANY
State: MS
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
XX/XX/2014 overdraft fee 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 2021-08-09
Company: EQUIFAX, INC.
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 650 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 60 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
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:
To whom it may concern/Experian, After reviewing my consumer file I noticed the following accounts reporting in INACCURATE error. Please DELETE these accounts immediately : ( XXXX  XXXX XXXX : ) ( XXXX XXXX : ) Closed ( XXXX XXXX : ) Closed ( XXXX  : ) Paid ( XXXX : ) ChargedOff 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

These accounts is reporting a Balance and the account is reporting closed, the account is reporting late payment history and therefore these accounts is in VIOLATION. Please Delete 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 non-monetary relief
Consumer complaint received 2021-03-19
Company: Kriya Capital, LLC
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/2021, Credence Resource Management LLC added a derogatory mark on my credit per XXXX XXXX. Upon, further research, this account was transferred/ sold and I am no longer responsible for the account. Credence Resource Management LLC did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA, XXXXredence Resource Management LLC has violated my rights as a consumer and Im requesting legal action to remove this account immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-13
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
This complaint is in regards to not receiving answers to the questions that I had/have surrounding this account ; XXXX This account was transferred to my current servicer ( Rushmore Loan ) in XX/XX/XXXX, from the previous servicer ( XXXX, now known as Community ). At the time of transfer, I was and still am being assisted by a third party that is currently payment my mortgage ; XXXX XXXX  of Illinois. What I believe that has happened is that XXXX participated in fraudulent activity ( withholding funding to escrow to forward to my new servicer ). 

These actions placed the account as a deficit which has increased my mortgage payments from {$650.00} to {$950.00}. I have tried repeatedly to have answers on how to bring the account to the point where the payments are back at {$650.00}, I have not received any options at this point. There is absolutely no way that I will be able to afford the new amount of {$950.00}, and I have said this repeatedly. I have withdrawn the mortgage insurance, it will no longer be escrowed. I was told that it couldn't be done, due to the recent modification. However, no documentation was provided to confirm that statement. 

A second mortgage in the amount in {$5600.00} that is due in XXXX is currently being reported on my credit reports. I inquired as to why this was happening, and again, no answers. 

My final payment with XXXX XXXX  will be XX/XX/XXXX. At that point, I will be left to deal with Rushmore Loan Servicing alone. I need resolution, immediately. This situation is a complete nightmare, it almost appears as though Rushmore wants a delinquent account for submit for Foreclosure. 

Also, my account is with the Loss Mitigation Department and I do not know why. No one has informed me of anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04
Company: Forster & Garbus LLP
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
i have been disputing a XXXX  bad debt added to ann account I paid off with foster & garbus since XX/XX/2019. 

They refuse to speak to me or email me yet are garnishing my paycheck.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: Experian Information Solutions Inc.
State: PA
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. 
XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, 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.

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 2023-01-21
Company: WELLS FARGO & COMPANY
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In 2014 I called customer service regarding {$10000.00} in mortgage payments that were never applied to my account. The issue was never resolved, and the house has since been foreclosed.

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 2023-04-17
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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX AND TRANSUNION CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX  Balance : {$0.00} ; XXXX XXXX XXXX XXXXXX/XX/2023 ; XXXX XXXX XXXX XX/XX/2023 XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-27
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
Overcharged in purchase of new vehicle the best sale price was not honored as per nissan XXXX XXXX XXXX online advertisement report and an overcharge MSRP price was charged instead, with an extremely high loan interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: WELLS FARGO & COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Wells Fargo checking account first opened in XXXX in XXXX XXXXXXXX XXXX XXXXXXXX. Sole Owner of account without any authorized permission given to anyone else. Never signed up for online or mobile banking. 
Spouse, later removed XXXX XXXX XXXX, accessed account via Online Banking without Authorization or Knowlege. never receivedbank statements from bank. 
XX/XX/XXXX decided to utilize account only to learn of Fraudulent Activity and transactions which overdrafted account, and declined MY PAYMENTS to my XXXX XXXX credit card, and XXXX monthly pyt plan. 
acct opened in XXXX  opened using former address, and still active online banking profile. 
a Total of {$8000.00} was contuously transferred out of my account without knowledge of transactions, forged withdrawalslips/ALL THRU ONLINE BANKING. 
Reported to bank who insisted there were no online banking " accts '' existing. 
Still trying to recover stolen funds. 

XXXX XXXX, ss # XXXX is responsible perpeperator

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 2022-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit Bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX Balance : - ; Bankruptcy XXXX XXXX Reference # : XXXX ; Bankruptcy : XXXX XXXX Reference # : XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2017-02-22
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My loan used to be with XXXX. I really like being able to pay in the branch & know my payment was correctly processed. The loan has Bayview Loan Servicing now for over 2 years. I make my payments online because on the auto-pay features states that if my payment fall on a holiday or weekend & is not process by the XXXX I can be subjected to a late fee. Every month I login & schedule a payment usually around the XXXX or XXXX avoiding weekend/hoildays. I noticed that my payment was n't withdrawn from my account as schedule. I call & they said that my payment cleared & to give it a few more days. I checked again the next day & it was shown late- with a late charge & additional fees. They said that it came back as a bad account number. I asked them what they show & the rep said that they do n't keep that info. I told them that its the same account that I always pay from & that I am never late. After over a 1/2 hour on the phone I was able to get the fees reverse & proceeded to make a payment thru then phone so I can be current. They do n't make it easy to pay them. You are not able to save your payment info & you ca n't see your info after a payment is scheduled to verify if the info is correct. If you make a payment after the XXXX, they charge you extra. You get calls saying your late starting on the XXXX of the month-everyday until the payment clears your account. They do n't even check to see if a payment is schedule. They call all hours of the day. Its the biggest monthly bill I have- I do n't need a daily reminder that it is due. legally I have until the XXXX to make my payment until I incur a late fee. I have great credit but I feel that I am treated like a some kind of low life because I qualified for a loan modification. I feel like I am in some kind of collections program & is subjected to harassments if they do n't pay my mortgage by the XXXX of every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09
Company: BARCLAYS BANK DELAWARE
State: CO
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I closed my Barclaycard Visa XXXX XXXX  card on XX/XX/XXXX. It was paid in full and had a {$0.00} balance. In XXXX they sent me a {$100.00} check for the remaining credit in the account. ( See statement from XXXX final payment and statement from XXXX with refund balance check attached ). 

There were no Statements between XXXX of XXXX and XXXX of XXXX because the account was closed In XXXX of XXXX, I was notified of activity on my closed account. I called the support center to notify them that the credit account was closed and there should be no activity. They said they would close it and the activity was a credit/payment of {$630.00} that they would mail a check to me to make the balance {$0.00}. This was necessary to close the account. 

After the Statment was posted on XX/XX/XXXX, they mailed a check ( XX/XX/XXXX ) and re-closed the account. I cashed the check. 

Then on XX/XX/XXXX they mailed a letter ( attached ) saying the payment was a mistake that they have corrected by adding a debit on the account that would be due on my next billing statement XX/XX/XXXX. The debit was pre-dated as XX/XX/XXXX with a posting date of XX/XX/XXXX. ( See screenshot from account and statements from XXXX and XXXX ). 

To Summarize, Barclays is now asking I pay them {$630.00} on activity that should not have been allowed on a closed account. The XXXX statement has not yet closed, but I have already called them and am concerned that they are demanding money for their errors in addition to making transaction on my closed account, predating transactions on my account and potentially applying APR to those transactions when the account is closed and I have, in my mind, no formal agreement with them on APR terms. 

What are my options?

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 2022-07-15
Company: Klarna AB
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX I ordered a XXXX  ( gym equipment ) from an online store known as XXXX XXXX XXXX XXXX XXXX XXXX XXXX however, I paid {$340.00} via a Swedish financial company known as Klarna for this item. I never received an email confirming my purchase from XXXX so on XX/XX/XXXX I filed a dispute via Klarnas app. They recommended I email the store support line. The only time Ive been able to get a response from XXXX was on XX/XX/XXXX in which they said, we are experiencing unusually large volume so orders may be delayed 2-3 days. I continued to email their support line on XX/XX/XXXX and XX/XX/XXXX with no response. I have since emailed their support line countless times without any response. Klarna told me to wait for their investigation team to reach out to the vendor, but on XX/XX/XXXX I ended the dispute. I did this because I had messaged with multiple Klarna representatives from XXXX XXXX XXXX who all gave me the impression that there was nothing they could do to compel the vendor to send me my item. Ultimately, I dont even want the item I ordered anymore, I just want my money back. Well this morning after emailing with a Klarna representative regarding my issue, a rep named XXXX said, ( direct quote ) As we act as a financier in transactions, Klarna is not in any way responsible for the goods or services you order or purchase from merchants, including, without limitation, the quality of such goods and services and how and whether such goods or services are delivered. Please also see our Terms & Conditions that were agreed to upon using Klarna. 
You are welcome to re-dispute the order, but Klarna is not liable for the order delivery. 

So basically Klarna took my money the vendor they represent has dropped off the face of the earth and now Klarna is saying that they have no responsibility in the matter whatsoever because I signed their terms and conditions. This is extremely predatory and I feel as if I have been scammed by a large financial institution. XXXX XXXX XXXX is also an abomination, but I dont even know if Klarna forwarded my money to them at all. Ultimately I just want my money back. But I also believe other consumers have the right to know that Klarna conducts business in such a predatory manner. 

Ive considered taking Klarna/XXXX  XXXX XXXX XXXX XXXX claims court, but I dont have the money or time for that. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: EQUIFAX, INC.
State: MI
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 XXXX XXXX account # XXXX XXXX XXXX account # XXXX has violated my rights everything must be 100 % accurate. The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active inaccurate and date last reported is not accurate. This is ground for removal they also violated my rights under 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. Also the credit bureaus took more then 30 days.

Company response to consumer: Closed with explanation