BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-22
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
The overall issue is that my account would be debited and hit with overdraft chargers while the accounts were positive never negative.

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 2023-01-19
Company: WELLS FARGO & COMPANY
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Wells Fargo closed my account due to someone depositing bad checks in my account wit no fault of my own.

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 2023-03-01
Company: Freedom Mortgage Company
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
They have not paid the real estate necessary taxes that were due. They are overdue {$13000.00} approx in payments

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 2023-02-20
Company: EQUIFAX, INC.
State: NY
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 NEVER GAVE ANY OF THESE INSTITUTIONS CONSENT TO FURNISH ANY OF THE REFERENCED ITEMS IN ATTACHMENT ON MY BEHALF

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: SYNCHRONY FINANCIAL
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 XXXX XXXX XXXX XXXX has violated my Rigths. 

15 USC 1681 Section 602 states I have the Rigth to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose

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 2020-03-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
Amid the coronavirus pandemic Ive tried reaching out to Capital one to discuss resources available if my income was affected. Ive been trying for a week to call them. Have waited on hold in excess of three and a half hours to speak to a representative ( proof attached ) with  no answer or when I've finally reached a rep to talk to the line will disconnect. I believe the phone system is being manipulated by Capital one in an effort not to help their clients in this crisis. The reason I feel this way is because I have requested in the past for assistance during hardship and they offered me a program to defer my credit card payments and reported them as late payments on my credit report in 2018, and remain there at present time. Another incident I've experienced with them is I applied for a car loan with them and within a 30 day window there is 4 hard inquires from the same company. Ive asked them for a letter of deletion that Ive yet to receive. Another complaint I have with them, they delay reporting accurate information to your credit report. My auto loan balance remained the same for two months even though I made my payments on time. One of my credit cards Ive had for 4 years, made every payment on time, and have only received one line increase on that card in four years even though numerous request have been processed. The other credit card and auto loan came after that card so my decline had nothing to do with credit worthiness, and Capital one reason why I didnt get the increase are lies. I'm so over them

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
These accounts in collections are reflecting items that were initiated from an XXXX data breach and I don't have any knowledge of these negative accounts or balances. This account is under litigation and would like these deleted and removed immediately. XXXX XXXX XXXX, XXXX, and 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 2023-02-20
Company: TRANSWORLD SYSTEMS INC
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: Experian Information Solutions Inc.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Dear Federal Trade Commission Agency, I am writing to file a complaint regarding an inaccurate bankruptcy that is appearing on my credit report. The bankruptcy was recorded on XXXX and states it was dismissed. 

I have already taken the following actions to address this issue : I contacted the following credit bureaus : XXXX, XXXX, Experian, XXXX and XXXX to dispute the bankruptcy and provided supporting documentation to prove that I did not file for bankruptcy. However, despite my efforts, the bankruptcy remains on my credit report. 

I believe that this inaccurate information on my credit report is negatively affecting my credit score and financial well-being. Therefore, I kindly request that you investigate this matter and take appropriate action to have the inaccurate bankruptcy removed from my credit report as soon as possible. 

Thank you for your attention to this matter, and I look forward to hearing back from you soon. 

Sincerely, 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 2020-03-24
Company: Capital Credit and Collection Service, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I should remember actually date because I came XXXX  three years ago till now especially with XXXX credits and XXXX  XXXX with XXXX XXXX even credit union are not reporting the right figure someone when to fit wrong impression on my credit union that I am ex servings that travel for overseas training course why I am not and never travel out from United States of America till I came into America in XXXX XX/XX/XXXX till very day I became America citizens in XXXX please I need an investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or missing disclosures

Complaint:
On XX/XX/ my personal PayPal account was limited and my funds withheld without explanation or any way to resolve it. It was the day after receiving my tax refund. These types of limitations occur on business accounts and I don't have a business account and I have never sold anything on PayPal or have received payment for business dealings. I receive my paycheck with direct deposit through PayPal and have done so for almost a year. I have repeatedly contacted PayPal by phone and message about this and how I can resolve it but I haven't been given any explanation whatsoever. On XX/XX/2023 when my account was frozen I was told from customer service that I would hear back from them within 72 hours about a review of my account and it's been over a week and I have bills to pay and my electricity is about to be cut off. I have never violated the user agreement or the terms of service.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-09
Company: Lien Enforcement Inc
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I XXXX XXXX had a car towed that was previously stolen from me. Lien Enforcement INC. took over the Debt owed I put myself on a budget I personally could afford. I missed one payment by 7 days after paying for over a year DURING COVID 19. They tell me I have to pay the full balance because Im 7 days behind. I explain my situation to XXXX XXXX and hes not listening hes telling me I need to pay today or further action will be taken the debt is XXXX around there he tells me to hold on to get in lowered he comes back on the line and says I can pay XXXX to settle it today. If I told him before he put me on hold I dont even have {$500.00} why would he come back on the line with that response. Then 10 20 minutes go by of him telling me I need to go get a personal loan, pull from my 401k plan, I need to get a payday loan he asked me my position at my job he asked me how come no one else can help me pay it. He asked me how do I take care of myself which isnt any of his business he harassed me for 20 minutes about why I cant pay the debt. XXXX XXXX is very disrespectful and has no consideration for people. He asked me what banks have I tried to get a loan for like why is that any of your concern his only job is to collect debt not to harass me or try to force me to pay a debt when I can not. I paid XXXX for the car the tow yard sold it and now I owe XXXX $ for storage etc its really the last thing on my list. I explained I have no job I live with someone else its Covid 19 going on why are they calling harassing people all In personal business that has nothing to do with their job description. They have called me at work and held me up on the phone XX/XX/XXXX which was my last payment made after I repeatedly told them I was working. XXXX XXXX who I spoke to XX/XX/XXXX is the main harasser. He says how can we settle this today after I repeatedly told him either you can take my payment or you can put it on my credit he still kept going. Well I can split up the settlement into two which is over XXXX each after I just told him I dont even have XXXX to give.. its like he was intentionally antagonizing me. Trying to Belittle me as a person, because I cant pay a debt. Without People who owe debt they have no job. So they shouldnt be talking to people the way they do Lien Enforcement INC. Specifically.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: Experian Information Solutions 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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2023-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
On XX/XX/XXXX I contacted TransUnion about the following negative accounts XXXX XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$60000.00} ), XXXX ( Date Opened : XX/XX/XXXX, Balance : {$0.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$2400.00} ), XXXX XXXX XXXX ( Date Opened :, Balance : {$0.00} ), XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$640.00} ), XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$910.00} )XXXX XXXX XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$830.00} XXXX  XXXX ), XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$880.00} XXXX XXXX ), XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$1200.00} XXXX XXXX XXXX XXXX  XXXX ), XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$530.00} XXXX XXXX  XXXX XXXX XXXX XXXX ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.

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 2023-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 non-monetary relief
Consumer complaint received 2023-03-09
Company: Experian Information Solutions Inc.
State: MS
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/2022 I sent a letter to each of the negative accounts on my credit report informing them that the account was the result of credit fraud from idenity thief and that l wouldn't accept responsibility for those accounts. I never heard back from them. 
The accounts are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX accounts XXXX XXXX XXXX and a XXXX XXXX 
On XXXX XXXX I contacted the three Credit Reporting agencies and told them I was a victim of identity thief and disputed each of these accounts. 
On XXXX XXXX I received an E-mail stating that each creditor had verified that the information was true and correct and wouldn't remove the accounts from my account. 
I have XXXX XXXX XXXX  since XXXX XXXX and I am XXXX XXXX XXXX today, my XXXX  # is XXXX And I also informed the creditors of the same information. 
All of the accounts were opened during the time after I was XXXX.I couldn't sign for any of these from prison.

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 2023-03-07
Company: Alorica Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Upon purchasing a shipping label from XXXX, I was asked if I wanted to initiate a XXXX mychoice account to track shipments and purchase future shipping. I made one purchase with a credit card for around {$12.00}. I am the only one who knew about this account from my company, XXXX XXXX XXXX XXXX and nobody else has access to this account. 

Invoices began arriving from XXXX on XX/XX/XXXX for {$150.00}. The shipping charges indicated were for shipments I did not make or authorize and had no connection to me or my location. All shipments were to/from locations in the eastern half of the United States XXXX I am in California. Additionally, I have no idea how I was receiving paper bills when the payment method I had used was a credit card. 

I called and disputed this first bill and was told it was reversed. I updated my online password. I received a second bill on XX/XX/XXXX for {$600.00} which indicated there was another bill sent on XX/XX/XXXX for {$190.00} that I did not receive. When I called to dispute, I was told both of the invoices ( XXXX and XX/XX/XXXX ) would be reversed. I then received an invoice on XXXX  crediting ( {$210.00} ). Based on the way these responses appeared to flow, I figured this was resolved as was explained over the phone. When I received an invoice on XX/XX/XXXX for a {$48.00} late fee, I figured this was in error and that XXXX would catch and resolve this based on confirmations that all invoices had been cancelled. 

On XX/XX/XXXX I received a collection notice from EGS Financial Care , Inc. attempting to collect a debt that I had confirmed with XXXX was not mine, nor was it current. 

I called XXXX today and spoke with XXXX. She cancelled the invoice on XX/XX/XXXX and provided a confirmation number ( XXXX ), stating ALL invoices had been cancelled/reversed and there was a {$0.00} balance on this account. 

Upon research I have noted MANY online forum complaints that state this happens regularly and that there is a problem with XXXX  ' system that allows anyone to charge shipping to other 's account numbers by simply having the account number that appears on the shipping label. This is wide open for fraud and I am being wrongfully and knowingly collected against as a result. 

Please assist me in seeing that this situation is brought to a stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: W&A Intermediate Co., LLC
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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX  in collections unfamiliar collections that I never seen before and I know I didn't do any of them

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24
Company: EQUIFAX, INC.
State: AR
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 accounts from my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

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