BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-22
Company: EQUIFAX, 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:
Notice to all, I am that I am, the consumer in fact, natural person, original creditor, lender, executor administrator, holder in due cours, and for any and all derivatives thereof for the surname/given name XXXX XXXX, and I have been appointed and accept being the executor both public and private for all matters proceeding. 
Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever they may be, and I depose the following facts, so be it, now present : 3. Fact, the Fair Debt Collection Practices Act is intended to secure my right to privacy and my privacy has been breached so be it, and ; 4. Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/ or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truthin commerce, so be it, and ; LIST CREDITOR ACCOUNTS HERE : XXXX  XXXX  XXXX  Original creditor : XXXX XXXX XXXX XXXX 
AMOUNT : {$170.00} DATE : XX/XX/XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX AMOUNT : {$130.00} XX/XX/XXXX XXXX  XXXX  Original Creditor : XXXX XXXX XXXX XX/XX/XXXX AMOUNT : {$93.00} XXXX  Original Creditor : XXXX XX/XX/XXXX AMOUNT : {$550.00} Fact, please show good faith in this matter by expediting the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, mental anguish, and losses due to me being a victim of identity theft, so be it, and ; Fact, affiant is aware and has proof in the attachment labeled as Exhibit A and Exhibit B that XXXX XXXX, XXXX XXXX , XXXX is in violation of 15 USC 1692D ( 1 ) Fact, affiant is aware and has proof in the attachment labeled as Exhibit A and Exhibit B that XXXX  XXXX, XXXX XXXX , XXXX is in violation of 15 usc 1692b ( 2 ) Fact, affiant is aware and has proof in the attachment labeled as Exhibit A and Exhibit B that XXXX XXXX, XXXX XXXX , XXXX is in violation of 1692b ( 5 ) Fact, affiant is aware and has proof in the attachment labeled as Exhibit A and Exhibit B that XXXX XXXX, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18
Company: Blatt, Hasenmiller, Leibsker & Moore, LLC
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
My name is XXXX XXXX XXXX XXXX I was born XX/XX/XXXX the debt the showing on my report is not related to me there are three other XXXX  I need this remove my credit report I need a full investigation are all my debt including inquires I havent had any choir because I have not stayed in the state for almost 2 years please resolve this in a soon as possible my email is XXXX or XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2021-10-14
Company: Tate and Kirlin Assoc
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I applied for XXXX XXXX XX/XX/2019 and never used it but was charged. I have dental insurance and my insurance paid for most of it. I paid my part, and I have proof. I have mailed a letter to the XXXX asking for verification of the amount and I didn't get it. Also, I sent a letter to each of the credit reporting agencies to verify the debt amount. And I didn't get anything that proved that I owe them. I have the original bill from XXXX it shows the amount I paid. And I recently got a letter from Tate and Kirlin Associates , INC for the same bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08
Company: Continental Finance Company, LLC
State: MD
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
someone open an account on XX/XX/2023 without my knowledge or consent

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 2021-06-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
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:
please review the following accounts, which were reported on my credit, without ever having been authorized XXXX Account Number : XXXX This is not mine. 
CAPITAL ONE Account Number : XXXX This is not mine. 
XXXX XXXX XXXX Account Number : XXXX This is not mine. 
XXXX Account Number : XXXX This is not mine. 
XXXX XXXX  XXXX  Account Number : XXXX This is not mine. 
XXXX XXXX Account Number : XXXX This is not mine. 
CAPITAL ONE Account Number : XXXX This is not mine. 
XXXX XXXX XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-12
Company: Freedom Mortgage Company
State: LA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
FREEDOM MORTGAGE encouraged me to do a forbearance due to financial hardship. The mortgage company encouraged me to do loss mitigation to help with the past due amount. The process began in XXXX of 2022. The representative told me not to make payments during this process. Every time I would submit paperwork required by the mortgage company, they would always be missing something. I would send the missing documents and check back the next week. Then, they would say the paperwork expired. I would have to start over. So I did. Many times. On XX/XX/XXXX I sat on the phone with a rep to make sure all paperwork was received because I received a foreclosure notice. The rep told me not to worry about the foreclosure, they will extend it. I made sure all paperwork was sent. The rep said the next step is the paperwork is sent to underwriting and to check back in a couple weeks. I checked back on XX/XX/XXXX and was told paperwork was missing again. I sat with the rep and went through all of the paperwork. She said nothing was missing. She didn't understand. She told me to hold on for a few minutes. When she returned, she said she discovered a check stub was missing. I think she was lying to cover for the mortgage company. Once again, I sent in all paperwork asked of me and verified everything. She said she submitted it for review. I was never notified of any missing paperwork after XX/XX/XXXX. I thought everything was OK, like the representative stated. The representative from the XX/XX/XXXX call told me to call back the following Monday. Meanwhile I have been working with XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. I was approved and XXXX XXXX was trying to pay the past due amount in full so I didn't lose my house. Regardless of that, they proceeded to foreclose on my property. When I called that Monday they said I had to pay XXXX to avoid foreclosure. They knew I was doing XXXX XXXX XXXX XXXX But they didn't care. XXXX XXXX  tried to intervene but was unsuccessful. After the auction, XXXX XXXX discovered that Freedom Mortgage in fact purchased the property. She called Freedom Mortgage and they said if she paid the past due amount and I paid the foreclosure fee we could keep the house. Now they are not returning calls to me or XXXX XXXX XXXX. They tried to lie to me and say they didn't purchase the property. According to the XXXX XXXX XXXX XXXX XXXX XXXX, they did. They told XXXX XXXX that a supervisor would contact her and myself but that has never happened. So I'm sitting her not knowing if I have just lost everything or not. They act like they are doing everything possible to stop me from keeping my home. I have XXXX kids and we are about to be homeless thanks to Freedom Mortgage scamming people into losing their homes.

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 2021-09-14
Company: I.C. System, 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:
XXXX is inaccurately reporting a collection account on my credit report which doesn't belong to me. This same account has been disputed with XXXX. XXXX investigated and deleted it. I learned of this erroneous inaccuracy on my account when my credit was pulled for a Mortgage Loan application. This erroneous report has negatively impacted my credit worthiness. XXXX violating my consumer rights protected by the FCRA, 15 USC 1681b ( a ) ( 2 ) " Any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) in accordance with the written consumer who it relates to. '' This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
I noticed that there were two unauthorized inquiries on my credit score. I was not aware of these inquiries until I tried to apply for a credit card today, was denied, and checked XXXX. The unauthorized inquiries were on XX/XX/XXXX. One was CAP ONE NA and the other was XXXX XXXX. I am not sure if this XXXX have affected my application for the credit card that I authorized a hard inquiry on XX/XX/XXXX ( XXXX Credit Card ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-29
Company: Experian Information Solutions Inc.
State: VA
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:
Experian charged {$24.00} on my XXXX card for a credit report I never ordered and do not need. I have excellent credit. I have been hacked four times so I watch my accounts like a hawk. I switched from XXXX to XXXX XXXX two weeks ago. I forgot I had a lock on my credit reports so initially my application was not accepted. I came home took the lock off my credit reports and then proceeded with XXXX XXXX. Two days later, I re-locked all three of my credit bureau reports. This does not cost consumers any money to do this. 
I don't know why I was charged this for a report I did not request. Experian has been in trouble before for charging consumers for unneeded credit reports. 
I'm a senior living on a fixed income. I know my credit, bills and accounts. I want this charged removed and I want Experian to receive a letter from the CFPB telling them to cease and desist and stop targeting seniors for unnecessary 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 2021-01-22
Company: EQUIFAX, INC.
State: MA
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:
Dear Credit Bureau / XXXX MGR ; I demand that you personally DELETE this account from XXXX CARD directly from my credit report effective immediately because, one Im not liable for this account as you can see on the attachments or the letter of paid off from XXXX, and its also reporting questionable balance, incomplete and misleading information. Early XX/XX/2020, I opened dispute against the original creditor, and all the major credit bureaus due to same inconsistencies, violations, misleading and incomplete information on this negative account I simply asked for it to be investigated and DELETED from my credit report, but I simple received a template responses either asking for additional information or that you guys verified as accurate. Its not accurately reporting, and it continues to have monthly payment on closed account, questionable balance, and different dates of last active, last reported, last payment, etc. Account status was never updated that I ever disputed why? 

Here are some highlight reasons why I need this account DELETED from my credit effective NOW. 

There shouldnt be any late payments after the account was closed! 
Why am I seeing years of late payments after the close date? Its not possible to be late on a closed account! 
Status update date shows that this account wasnt even investigated, remove account. 
3 different open dates reported 3 different date of last activity dates reported Cant possibly have been verified because the status update date has not changed. 
Account has illegally been re-aged. Remove. 
Bought by a collection agency but still shows a balance. 
Bought by a collection agency but still shows a past due. 
Bought by a collection agency but still shows a monthly payment. 

SEEEEEE THE ATTACHEMENTS ON THE NEXT PAGES!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
On my Citi Double Cash Card ending in XXXX for billing period : XX/XX/22 to XX/XX/22 statement, I was charged on XX/XX/22 two interest fees of {$0.00} and {$14.00}. 

I called the credit card company and had them reversed. The agent was helpful and I am satisfied over all with the Citibank. 

What worries me and what my complaint is concerning is that when I asked the agent how and why the these charges appeared on my statement she said that I had received a phone call and accepted a special offer for a special interest rate on purchases. Neither my wife nor I received such a call and there is no reason to accept such a rate because we pay off the card each month. I am concerned that this is a way for Credit Card companies to obtain millions of dollars from consumers that may not examine their statements closely and never even get a " special rate call ''. I am alerting CFPB to see how often this is happening.

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 2023-11-21
Company: Experian Information Solutions Inc.
State: FL
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:
I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent accounts from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE accounts listed below. Once again HERE ARE THE LIST OF accounts THAT I WANTED TO REMOVE! 

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 explanation
Consumer complaint received 2023-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these accounts ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXXXXXX XXXX XXXX  ) XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXXXXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2021-01-21
Company: MUFG AMERICAS HOLDINGS CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Union Bank refuses to cash or make a deposit for their own account holders who have received Economic Stimulus debit cards. The service rep 's advice to their customers is to take the card to a XXXX ATM, withdraw money, and bring the cash back to their so-called 'bank ' to make a deposit.

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 2018-10-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I received a letter offering to settle the account for a specific amount. I paid that and they were supposed to update the credit reporting to settled in full but they have not and i have written them and they still continue to report this as a balance remaining

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/XXXX, I spoke with a representative of Equifax that submitted a dispute on my behalf regarding EQUIFAX MORTGAGE SOLUTIONS. The confirmation number that was provided is XXXX. As of XX/XX/XXXX, well past the 30 days allowed by the Fair Credit Reporting Act, I have not received a written response by physical mail or e-mail from them regarding the status of my dispute. 

On XX/XX/XXXX, I called Equifax, after reviewing my credit report, to have some additional inaccurate and/or outdated information removed from my file. I, first, spoke with XXXX. He assisted me with submitting a complaint to have incorrect addresses and employers from my file. He, also, assisted me with regaining access to my online account with their company and then we disconnected the call. After logging in, I went to review all of the disputes that I had opened. I noticed that they all had a resolution, some that I may not have agreed with ; however, one in particular didn't have a status update. I noticed that it was dated as submitted on XX/XX/XXXX. I'm instantly alarmed due to the fact that I'm sure they are aware of my rights as a consumer as the history of this company dates back to the 1800s. 

I called back to speak with someone about my new findings. I spoke with the representative, XXXX, around XXXX. After asking a few questions to ease my confusion, this representative began to argue with me in attempts to defend the reasoning of why this open dispute still reflects on my credit file 18 days after the allotted time that the FCRA provides credit reporting agencies. After about 5-7 minutes I asked for XXXX XXXX name and ID number for my own personal records. She gave me her name, but she questioned my reason for request of her ID number and declined to give it to me. I informed her that I would be submitting a complaint with the CFPB due to their negligence. She insisted on trying to provide me the phone number to contact Equifax 's dispute department. After my declining, XXXX decided to just silence her phone. I then placed her on hold to contact the Attorney General for additional assistance with this matter and she stayed on the line, in silence. I ended up ending the call with her at XXXX. According to XXXX XXXX argument, Equifax has more than 30 days to resolve disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I and my XXXX  have been clients with XXXX XXXX with separate accounts we understand that XXXX XXXX has mistreated all clients and are suppose to pay accordingly we have had accounts with XXXX XXXX since 2012. XXXX  XXXX affected my XXXX XXXX multiple time and my credit ratios by reducing my credit limits when I have 100 % payment history of paying on or before time. They would arbitrarily reduce my credit limit messing up my ratios causing other credit card companies to reduce my credit limits further messing up me ratios forcing higher interest rates on me because of my lower 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 2021-01-22
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Wells Fargo withdrew {$2000.00} through ACH transfers from my XXXX account on XX/XX/XXXX. 

Where are they? I only have {$1000.00} in my WF accounts. 

I want a written explanation as of how WF can withdraw {$2000.00} on XX/XX/XXXX when 2 accounts were closed on XX/XX/XXXX, and where are the {$2000.00}? ( {$1000.00} currently in my accounts but where are the other {$1000.00}? ). 

This is a simple question.

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