BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-26
Company: WELLS FARGO & COMPANY
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I started new employment on XX/XX/XXXX. The first day was great, I met many people and they all were friendly and offered any information I needed to start with the company. The second day there were a few men walking around the hallway to the office building and then started to get angry people who would not look at me in the office. I realized these men were talking to the people in my new office. Within a week the employer had a meeting introducing a collection agency as a preferred vendor. The company had given the collection agency, XXXX XXXX, a list of all the managers clients to call, to sell their collections process. The business card we were given has a phone number : XXXX and a website : XXXX. The account representative was : XXXX XXXX, phone:XXXX, email : XXXX and no address. The new coworkers were now not even looking at me. Very few were even talking to me. On XX/XX/XXXX I received an email from my brother in California who is a XXXX XXXX XXXX XXXX XXXX XXXX ( retired 20 yr veteran XXXX ). He said every five years they do a check on him which includes his family. XXXX XXXX XXXX XXXX XXXX is the agency name. They came and used the office in the building across the hall from my office. They were in and out of the back office door wearing black pants and shirts with long hair, driving big black cars. Prior to the gov agency, It also appeared they had some sort of video in my apartment because there was reaction to everything I did and said. When I started to write this complaint on Tuesday night, several cars left the parking lot of my apartment community. It seems the people in my office are much better, at least will speak to me. It seems quiet now, I think most of them have left. Back in XX/XX/2018, my personal bank account was compromised. Someone had the debit card number and withdrew over {$900.00} from my bank account between XXXX and XXXX, the funny thing was the ATM withdrawals were from my own bank and Wells Fargo bank ATM 's. The account I have in collection is with Wells Fargo which I do not have an account number for as it was changed by them when put in collection. I was receiving phone calls at my previous employment where the ID on the phone showed : XXXX and XXXX. Most of the time is was a silent call, sometimes it was for LIFE insurance. These people did the same thing as far as telling everyone around me something to get everyone to hate.

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 2023-09-15
Company: DISCOVER BANK
State: IL
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:
XX/XX/2023 Discover shows an an inquiry on my credit report This was unauthorized and I didn't request any of this company 's services.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: Mortgage Research Center, LLC
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage
Sub-issue: Fees or costs after closing

Complaint:
Veterans United took the property taxes paid by the previous owners and applied them to closing costs without authorization from myself or husband. We had stressed to VU that my husband is 100 % XXXX vet and we will not pay property taxes. XXXX XXXX, the loan counselor for VU, had taken the tax money that was from XX/XX/XXXX to XX/XX/XXXX and applied it to our closing costs instead of the property taxes that was going to be due. We didnt know this happened until after closing and we had gotten a letter from XXXX XXXX XXXX stating we owe property taxes. At no point did we authorize Veterans United to apply those taxes to closing costs. XXXXXXXX XXXX informed us that we have a policy that we purchased that protects us. XXXX XXXX XXXX company is our title company and according to the VA and XXXXXXXX XXXX, they shouldnt have allowed the paperwork to go through because the taxes werent paid. So now, my husband and I are going through XXXX trying to figure out who messed up and how to fix it. 

Also, the VA advised I call CFPB and I did and they told me that because I brought this to the attention of Veterans United that they were supposed to fix it and because they didnt they violated a policy that CFPB has. Im not sure the name.

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 2023-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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 XX/XX/2021 This account was the result of identity theft I did not authorize this payment.

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 2021-09-10
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 status incorrect

Complaint:
XXXX XXXX XXXX XXXX is showing a delinquency of 120 days in XXXX, 60 days in XXXX and no delinquency in XXXX however in XXXX to shows 30 days past due. This reporting is incorrect. For example two payments were made on XXXX XXXX totaling XXXX drafted from my checking. My monthly payment is no more than XXXX to XXXX. Request research be done and the payment history will in fact show this payment being paid.

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 2018-11-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In my review of my credit report PORTFOLIO RECOVERY ASSOCIATES INC is reporting a collection debt account number XXXX to the CRA. I have no knowledge of this collection debt and this negative account has affected my ability to obtain credit. It is a violation of FCRA for any COLLECTION AGENCY to report any collection debt account to any credit reporting agency without notifying the consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: Experian Information Solutions Inc.
State: CA
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:
in accordance with the fair credit reporting act.The list of account below violated my federally protected consumers to privacy and confidentiality 15 USC1681. 

XXXX XXXX XXXX XXXX XXXX XXXX. account number # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Account number # XXXX XXXX XXXX XXXX XXXX. account number # XXXX. 

15 U.S.C 1681 section 602 A. states that I have the right to privacy.

15 U.S.C.1681 section 604 A. states that also as aa consumer reporting agency can not furnish an account without mt written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) section states that : no consumers reporting agency may make any consumers report containing any of the following items of information any otehr advanced items of information, othre than records of conviction 's of crime of which antedates the report by more than 7 years.

15 U.S.C1681s- ( A ) ( 1 ) A person shall not furnish any information relating to consumers to any consumers reporting agency if the person knows or has reasonable cause to believe 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 2023-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 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 

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 non-monetary relief
Consumer complaint received 2023-12-11
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.

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 2018-10-25
Company: JPMORGAN CHASE & CO.
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:
FRAUD VICTIM. My bank on XX/XX/XXXX ran a report for business reasons and right after that 14 hard hits appeared I contacted all hard hits. I contacted XXXX XXXX  XXXX Credit Report Date : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and told them I di n't authorizes these I sent in the letters and contacted the companies as I could not answer some of the questions was told they could or would not investigate and referred me back to credit report companies. 
This is the information that was found who tried to use my ID From my FIC report RECORD CREATION DATE XX/XX/XXXX EMAIL ADDRESS XXXX USER PASSWORD XXXX ID XXXX UPDATE DATE XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-23
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have sent multiple requests to have all NONE ACCOUNT HOLDING INQUIRIES taken off of my credit report, to Equifax, XXXX, and XXXX. These have been in separate letters roughly every 30 -45 days dating as far back asXX/XX/XXXX I have not received any sort of confirmation that this has been taken care of, and they refuse to give my any kind of explanation as to why I have over XXXX inquiries on my report and yet i only have very few accounts open. I do believe it is my right to have only an accurate description of my character displayed on my credit report and by these excessive inquiries, it hinders me from being able to obtain not only personal credit, but credit for my business and livelihood as well. I will supply you with all of the inquiries that are NONE ACCOUNT HOLDING below. Please let me know what can be done in regards to this. Again i have made several attempts to work with the credit reporting agencies and have them remove these, and they have made no attempts to comply with my request or even acknowledge my requests.
<P/>
Iquiries and dates : XXXX XXXX - XX/XX/XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX-XX/XX/XXXXXXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX - XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXXXXXX XXXX - XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX-XX/XX/XXXX XXXX-XX/XX/XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX-XX/XX/XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXXXXXX XXXX- XX/XX/XXXX XXXX XXXX-XX/XX/XXXXXXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXXXXXX XXXX XXXX # XXXX-XX/XX/XXXX XXXX XXXX XXXX XXXX- XX/XX/XXXXXXXX-XX/XX/XXXXXXXX XXXX- XX/XX/XXXX equifax mortgage services-XX/XX/XXXXAs you can clearly see, there is an excessive amount of inquiries that are none account holding, these are damaging my credit report and the Credit Reporting Agencies REFUSE to remove them. This is a violation of my rights and I demand they be removed from my credit file or in accordance to the FCRA i will file a motion for damages. Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: Experian Information Solutions Inc.
State: NJ
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 contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

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 2023-05-28
Company: Experian Information Solutions Inc.
State: NM
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 just got my credit report after almost 2 years of not monitoring my report after getting calls by collections agencies asking me for my informations to verify a debt, which I refused to do and then checked my report. I have been a victim of identity theft and had fraud alerts placed on my reports 2-3 years ago YET some accounts have still been opened. 
Not just that they refused to removed addresses Ive never been associated with or like at AND XXXX has a ssn on my profile that isnt mine and REFUSES to remove it. 2 years ago I had them remove it by disputing it, I sent in a copy of my DL, a picture of my ssn etc and they told me it will be removed. They never did! They I called to let them know that XXXX XXXX Cant even generate my score because of mix match files on my report ( the ssn ) and they had the nerves to tell me nothing is wrong with my credit file and they can send me by mail my credit report. XXXX?!? I need to acces my credit report online! I dont pay {$29.00} to have to call you and request my credit report. I have been unable to open a checking account with XXXX XXXX even though I have a savings account with them because they uses XXXX and couldnt access my report. Again XXXX was no help. This is my last attempt before I lawyer up and sue them.

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 2017-05-10
Company: CAINE & WEINER COMPANY, INC.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I recently filed a complaint  Caine and Weiner. They responded that they sent a letter. I did not recieve such letter or I would of asked for a validation/verification and then in turn, pay if the debt was validated. This is a violation of my rights. How can they lie and get away with it. I will exercise my rights and then they will owe me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: Experian Information Solutions Inc.
State: VA
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 did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2023-05-01
Company: Experian Information Solutions 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:
My name is 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 account. 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. Please delete the account 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 explanation
Consumer complaint received 2022-12-27
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This account is fraudulent due to Identity Theft. This is not my debt. A woman has been using my information to rent homes/apartments. I have filed a previous police report for another matter. The woman was arrested and later released. I have contacted Genesis Credit Management and was required to file this complaint. 

Genesis Credit Management ( XXXX ) XXXX PLACED FOR COLLECTIONS ON : XX/XX/XXXX XXXX & XXXX : XX/XX/XXXX Lease Dates XX/XX/XXXX, XXXX XXXX, XXXX Move out : XX/XX/XXXX Debt {$10.00}, XXXX Acct # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: Upgrade, Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have been trying to work on my credit for years I had to apply for XXXX  XXXX in XXXX  which was 7 years ago.the agencies are still holding it against me. I paid off a collection they removed from my credit report this company refuses to. When I filed my XXXX  XXXX it was only to affect me for 7 years. If law has changed since then it should nogt affect consumers who applied prior to the law change. I filed XXXX  XXXX because I had severe identity and my husband had a massive XXXX XXXX. I didnt want to lose my home. I have no credit accept for my student loans. I paid off 6 loans. My loans are not in default nor have they ever. I have already reported the credit companies. My complaint against you is I have know way to increase my credit score however there are many ways to decrease my credit score I want to know why is that I have a document from you that specifically expresses that. This is a form of discrimination. A bankruptcy from 7 years ago should not be a factor in my credit health. Items are removed off your credit after 7 years. This kind of practice is targeted towards a specific class. Because of this I am unable to receive a student loan my last year in college. I need a answer as why I am sized up in such a manner

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-22
Company: Seterus, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Have been trying to modified or short sell this property with no corporation with the lender and will not give enough time to do so. ON XX/XX/XXXX OF 2018 I SUBMITTED A MODIFICATION PACKAGE and then was told no time to revive it due to pending sell date. On XX/XX/XXXX of 2018 I submitted short sell package and then again was told, no time to review it cause of the sell date. This happened again for the month of XXXX of 2018. The Amount of 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