BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-05
Company: Experian Information Solutions Inc.
State: NV
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:
my credit information was stolen and use without my consent 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies

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 2023-06-05
Company: Experian Information Solutions Inc.
State: NY
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:
AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE. 

CREDIT DISPUTE NOTES THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN XXXX BUSINESS DAYS OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance details 12 % paid off Balance {$21000.00} Balance updated XX/XX/XXXX Original balance {$24000.00} Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Installment Payment summary XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX - XXXX XXXX - XXXX - XXXX - XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX PAYMENT HISTORY LEGEND Status At least XXXX days or more than XXXX payments past due Status updated XX/XX/XXXX Past due amount {$8400.00} Original balance {$24000.00} Monthly payment {$650.00} Additional info Responsibility Joint Account XXXX XXXX Months XXXX XXXX XXXX Original creditor - Comments CONSUMER DISPUTES- REINVESTIGATION IN PROGRESS Your statement - Contact info Address XXXX XXXX XXXX XXXX  XXXX, MI XXXX Phone number ( 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 2022-03-04
Company: EQUIFAX, INC.
State: VA
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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18
Company: LEXISNEXIS
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:
My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX. My DOB XXXX and my SS XXXX. I am filing a complaint due to the following information below. I am requesting that the credit reporting agencies promptly remove/delete these addresses they are not accurate : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, AZ XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX CT, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Due to the impact of corona virus, i have been financially unwell. Most recently i began to really be affected where i had no income at all and no unemployment. I am trying to catch up with my bank, i had 3 transactions charged for XXXX each, and for each one i inherited an overdraft fee of {$35.00}. Right now i owe the bank {$200.00}, stemming from the three XXXX charges. Which is {$140.00} in fees in a matter of a month. I would like to reconcile and pay the 3 payments of {$19.00} to level out my account again. Please help. I cant afford to pay all of these fees.

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 monetary relief
Consumer complaint received 2019-06-18
Company: Terrill Outsourcing Group
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XXXX XXXX is the company. They have done repeated phone calls to family members and friends. Will not stop calling. Will not remove incorrect numbers. Will not provide info so hiding information. Need them to STOP and CEASE calling my family, friends, and myself.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting 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:
I DO NOT ACKNOWLEDGE ANY OF THESE INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-11
Company: Remitly, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Problem with customer service

Complaint:
I have been using Remitly.com to transfer money to my friends in XXXX over the last couple of years. Occasionally, During 2023 I had four transactions that were debited from my account that I had to cancel. I received confirmation emails that the transactions were canceled but the money was never deposited to the account. I have been trying sent XXXX of 2023 to resolve the issue. Basically, they have been blowing my off saying the money was returned even though I sent statements in showing the money went out of the account but was never returned. The four transactions add up to over {$500.00} XX/XX/2023 XXXX USD ( on this one there were two transactions around this date that were canceled and they return one of them ) XX/XX/2023 XXXX USD XX/XX/2023 XXXX USD XX/XX/2023 XXXX USD I have all the cancellation notices and sent them all my bank statements showing the money was never returned. They keep on saying the money was returned and I should have my bank trace the money. They basically stole over {$500.00} from me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24
Company: N26 Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
To whom this may concern : My name is XXXX XXXX Please help me, I've been a victim of misscommunication or fraud and inconvenienced from my on line financially institute named N26 A on line banking system where my clintes money goes into for my local XXXX XXXX  services. I was recently given a grant for {$5000.00} from the government and have records and screen shot and emails of proof. N26 flagged it and froze all of my funds. I have over {$8000.00} or about {$9000.00} in this account and exactly {$5000.00} in savings. I get NY state unemployment deposited into this accouht every Tuesday. N26 institute refuses to release the hold and I'm literally at a stand still and have no other banks or savings. This could take over a month or who knows how long. Today is Friday and all institutions are closed for the weekend. I have my birth day coming up this Monday and I have XXXX young children to feed and take care of. I made reservations at a log cabin upstate NY to take my family camping next week this Sunday for my birthday week. I also have my bills to pay and my car payment is due and other bills I had saved for like my modified loan payments for my mortgage to refinance my home soon. Thie is my livelihood and all my savings. I made a complaint also to the FDIC and I dont know when or how soon anyone will get back to me. From what I read on XXXX this could take days weeks or even in some cases month 's and now we are approaching the weekend. The XXXX of the US government who gave me this XXXX XXXX  grant had even said to me on the phone last night that, N26 or any bank has no right freezing all of my funds that are not tied to their suspicions or red flags on my account or suspecting the grant or my unemployment as fraudulent especially in this time of the pandemic due to the fact it clearly states my funds recently are mostly deposits from NY state and the government. I've been receiving my unemployment for about 2 tp 3 months now and the grant was deposited on XX/XX/XXXX. So as of yesterday afternoon I have been at a standstill with no access to any of my funds or savings and now the weekend dawns upon us. Please help me resolve this as I have bills due and my unemployment being deposited into this N26 account who has totaly inconvenienced me and has no answers for me till further notice. They won't even speak to me, they only e mail me and I waste my breath and energy and time with call center representatives who have no answers for me. Please Call me at XXXX XXXX XXXX my email address is XXXX Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: FC HoldCo LLC
State: GA
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:
Im wanting these inquiries to be deleted because i did not authorize these companies to run your credit this is fraudulent.

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 2023-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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 2022-04-15
Company: EQUIFAX, INC.
State: AR
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 XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602A States I have the right to privacy 15 U.S.C. 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 166b A Creditor may not treat a payment on a account under an open end consumer credit plan as late for any reason

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24
Company: Experian Information Solutions Inc.
State: AZ
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 was denied 2 loans based on Experian 's credit report which is XXXX. The other 2 bureaus were XXXX and XXXX. I applied with XXXX XXXX XXXX for a refinance of my car which was denied based on Experian and was denied a small business loan from XXXX XXXX on XX/XX/2020 2020

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 2023-04-21
Company: Experian Information Solutions Inc.
State: NC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I AM WRITING TO DISPUTE THESE FRAUDULENT CHARGES ON MY ACCOUNTS. I AM A VICTIM OF IDENTITY THEFT, AND I DID NOT MAKE THIS CHARGE. I AM FILING THIS COMPLAINT FOR MYSELF NOT ANYONE ELSE. REMOVE THE FRAUDULENT CHARGE AND ANY RELATED FINANCE CHARGES FROM MY ACCOUNTS. PLEASE SEND ME AN UPDATED AND ACCURATE STATEMENT AND BLOCK THE ACCOUNTS. I ALSO REQUEST THAT YOU STOP REPORTING THIS INACCURATE INFORMATION AND REPORT THE CORRECT INFORMATION TO ALL THE NATIONWIDE CREDIT REPORTING COMPANIES TO WHICH YOU PROVIDED 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 2022-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 XXXX XXXX # XXXX has violated my rights.

15 U.S.C 1681 section 602A States I have the right to privacy 15 U.S.C. 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 166b A Creditor may not treat a payment on a account under an open end consumer credit plan as late for any reason

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 2020-04-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Portfolio Recovery has blown up my phone with repeated calls, several times a day trying to collect on a loan thats long out of statute by over 10 years. Ive repeatedly told them to stop calling me. Theyve called XXXX times in the past XXXX weeks. I have the record on my phone log. When I block the number, they use a different one.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-05
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 2022-04-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I originally sent portfolio recovery associates a check on XX/XX/2022 to satisfy a debt owed by them but it was lost in the mail at the time so I stopped the check and had a new one sent out on XXXX XX/XX/2022. The original stopped check was delivered on XX/XX/2022 at XXXX XXXX  in XXXX VA. I had sent the live check via certified mail ( that had to be signed for ) on XX/XX/2022. The live check was signed for on XX/XX/2022 at XXXX XXXX in XXXX, Va. I stopped the original check because of it being lost in the mail and I wanted to make sure that the debt collector would get paid in time to satisfy the settlement. I will enclose the check numbers, picture of receipt stating someone signed for the check, and tracking numbers for both the live and stopped check, etc. I also want to state that I called the debt collector and informed them that I stopped the original check and the new one is on its way. The debt collector told me that it would be documented.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17
Company: Selene Finance LP
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
First, off the company claims they did not receive a completed loan package, lied about not having a sale date. Spoke CSR, said no sale just complete the package by the XXXX, it was completed and emailed and faxed, on the XXXX..They were just buying time to exhaust all options to save home because the door was tagged the next day.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07
Company: CMG MORTGAGE, INC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My name is XXXX XXXX and Im paying my mortgage to CMG Mortgage but this company keep reporting to credit bureaus that Im late on my payment each time even i made my payment and seems they dont want me to refinance my house to lower my interest payment and decrease the life of the loan of my mortgage so i can not refinance to other company i had an equity on my house and i never refinance since i bought my house never filed a bankcruptcy but every time they run my credit it shows the late payments and never stop reporting on it so i will be more struggle .I was a victim of identity theft last XXXX to XXXX they break my car windshield stole my bag with my passport credit cards and identification luggages and many items on my car and i even reported that to credit bureaus and report to police department and told them as well to mortgage company as i have to change my bank account and reported cause of this incident i was fixing my credit for this people used my credit card and identification i was in a process of refinancing my house in XXXX XXXX  XXXX XXXX Ca . XXXX but i was always denied cause of this CMG mortgage holding me and keep reporting late payments even i made my payments so i wont go to the different lender and i could be more struggling stay on their company. and the XXXX and XXXX  are still doing it even i reported them that i was a victim of identity theft and submitted a report to them thats not me who is using this and stolen my credit card. pls. help me for i wan na lower my interest payment and get a better rate and decrease the life of the loan of my mortgage. 


Sincerely, XXXX XXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02
Company: LEXISNEXIS
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
LexisNexis Risk Solutions reported an inaccurate driving record to my insurance company ( XXXX XXXX XXXX ) which resulted in a higher premium. Their customer service phone number will only allow me to order my 'report. ' LexisNexis Risk Solutions reported that an automobile accident I was involved in on XXXX was ruled as me being 'at fault ' when in fact, the other driver was ruled 'at fault ' and ticketed for 'failure to yield right of way. '

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information 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 2023-06-05
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:
I recently checked my credit report and I noticed numerous inaccurate information accounts and inquiries these inaccurate accounts and information is causing damage to my credit report and my way of life please see the attachments included in this complaint

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