BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-19
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Equifax and XXXX should not be reporting a collection/chargeoff in the amount of {$26.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I paid this account in full. At the time there was a late fee that they agreed to waive. Not only did they not waive the late fee, they charged off the account and it is harming my score. This is a violation of the Fair Debt Collection Practice guidelines as well as a FCRA violation. I have tried to contact this company and can't reach anyone or get a return call. Take a look at their reviews and you will see that this is not an isolated situation. Please remove this line item from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 fraudulent accounts ; XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$110.00} ), XXXX XXXXXXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$17000.00} ), XXXX XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$620.00} ), XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$1600.00} ). If necessary I have the certified mail receipts for the dispute I send them. The dispute is attached. TransUnion have not responded to the dispute or correct the errors on the report from the above XXXX accounts.

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 2022-07-25
Company: EQUIFAX, 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: Problem with personal statement of dispute

Complaint:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/2022 XX/XX/2022 XX/XX/2022, XX/XX/2022 and XX/XX/2022 2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: EQUIFAX, INC.
State: MD
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 XX/XX/XXXX XXXX XXXX BANK XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX EQUIFAX MORTGAGE SER XX/XX/XXXX EQUIFAX MORTGAGE SER XX/XX/XXXX XXXX & XXXX XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX & # XXXX ; XXXX XXXX XXXXXXXX XX/XX/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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account # 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

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 2020-06-19
Company: DISCOVER BANK
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Discover Financial is fabricating documents to support their position that I opened an account with them vs. the account being opened because of identity theft. 

Last summer, I asked them to provide me a copy of the application ; they denied stating that it was on a proprietary system. Earlier this year, I retained legal counsel to address and resolve this matter and my attorney requested several items, including a copy of the application. 

While Discover was stalling my attorney ( and continues to do so ), they mailed me a copy of the application on XX/XX/XXXX ( attached below ). 

On the surface, the text within the text boxes is hard to read ; when enhanced, you can see that they have altered the email field - it looks as if Discover Card attempted to superimpose the email address " XXXX '' over the email address that was originally in the email field. 

If you recall, Discover, as part of their " chain of proof '', claimed that my email address " XXXX '' was used to apply for this account. This deliberate attempt to falsify the application shows that they know this account was opened fraudulently and places their entire claim in doubt. 

This is not the first time they've been made aware of this ; my attorney has provided them with the same images I've provided you. 

This is clear evidence of Discover Card 's fraudulent attempts to defame me. I'm submitting this complaint as the first step to putting their actions on an official public record.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have been trying to remove an inappropriate collection from my report with Experian. Not only has the online investigation been biased and inappropriate, but they have made it impossible to reach anyone for assistance. A fraud alert was just placed on my report by the automated system because I wanted to speak with a representative. It is not an appropriate response to my request. I want experian to be reachable so this issue can ve resolved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: Albert Corporation
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2022 I made a purchase at XXXX 's XXXX  in XXXX at about XXXX. Immediately afterwards I received text messages showing that transactions for : ( 1 ) {$100.00} XXXXAtm withdrawal - XXXX XXXX rejected for wrong Pin. XXXX, NY. 
( 2 ) {$180.00} -Atm withdrawal - XXXX XXXX - rejected for insufficient funds. XXXX, NY. 
( 3 ) {$82.00} -Atm withdrawal - XXXX XXXX XXXX rejected for insufficient funds. XXXX, NY. 

I immediately checked my bank account and found that 3 unauthorized transactions had gone through : ( 1 ) {$100.00} + {$2.00} ATM fee at XXXX XXXX in XXXX NY. 
( 2 ) {$100.00} + {$2.00} ATM fee at XXXX XXXX in XXXX NY. 
( 3 ) {$100.00} + {$2.00} ATM fee at XXXX XXXX in XXXX NY. 
Totalling {$310.00} in unauthorized transactions. 

I immediately emailed my bank ( Albert ) and they told me there was nothing that they could do until the transactions settled. Next, I froze my ATM card. On Sunday XX/XX/2022 The transactions settled and I filed a dispute. Albert 's " XXXX  '' ( that's what they call their employees ) concluded incorrectly that the charges were legitimate. 

I asked them to reconsider their findings because I would have had to be in 2 places at once in order to make transactions in XXXX at XXXX and XXXX at XXXX. They closed the investigation and told me that they would not be crediting my account.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16
Company: Experian Information Solutions Inc.
State: UT
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:
ALL The credit bureaus are refusing to provide results and remove fraudulent information from my credit report.

XXXX has stalled on all my disputes I have sent, I have sent 3 in the last 60-90 days and they continue to ask for proof of my identity. I have sent my ID, Proofs of address & a copy of my social multiple times. I have filed previous complaints and they still ask for this info. I need the CFPB to step in and do something. I have attached ANOTHER proof of identity.

There are items on my credit report that ARE NOT MINE!! All 3 major credit bureaus are reporting them and I have disputed them yet they stall or say they are valid. I would like to demand to know how you verified these inaccurate accounts? 
MY NAME IS COMMON AND OFTEN I GET STUFF FOR A XXXX XXXX ON MY CREDIT BUT I USE MY FULL NAME FOR ALL MY STUFF. MY FULL LEGAL NAME IS : XXXX XXXX XXXX XXXX. 
I am contacting my attorney and the attorney general in each area of your operation. 
THese accounts are not mine : all the 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 2023-09-14
Company: Mr. Cooper Group Inc.
State: PA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage
Sub-issue: Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu

Complaint:
For the past two months I have been trying to have my mortgage modified but they have been procrastinating in the process and keep sending me emails stating that there is an error in the paperwork and the application won't be held forward. The main issue is that keep stating that I have a business and I need to submit my profits and loss and I do not have a business and I never said that I had one in any of the paperwork that I submitted to them. They are holding up my application with information that I do not have and did not write down on any of the paperwork that I submitted to them I have told them that multiple times in emails and even to my case worker on the phone, but they still do not listen to me and I do not know what else I can do. I need your help to get Mr. Cooper to listen to me and finish processing my mortgage modification application.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: WELLS FARGO & COMPANY
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I applied for a received a loan to start a small business. the loan appears on my personal credit. 

I wrote in once before about being unable to advance the payment due date when I make more than one payment. 

I received a {$4.00} invoice in XXXX, despite making 2 payments in XX/XX/2023, XXXX payments in XX/XX/2023 ( cover XXXX, XXXX, XXXX, XXXX ) and 2 payments at once in XXXX ( should cover XXXX and XXXX ). 

I received an invoice for XXXX payment in regular amount. I called and spoke with XXXX, who immediately transferred me to XXXX, when I said I was recording the call as well. 

I was disconnected and reached XXXX who transferred me to XXXX, who transferred me to XXXX, because XXXX could not access the system. 

XXXX said that only car loans advance payments with extra payments. I told her not true, because mortgages did as well. She said my loan will not advance payment. I asked her to show me that stipulation in the loan agreement or what law allows it. I told her that I asked and was told that I could make extra payments without prepayment penalty at the time of application. 
She said there was no higher escalation but conceded that she had a boss and that she was not in the CEO office. I state that was the second untruthful statement made to me. 

When I informed her that I was recording the call, she read a statement of not approving of being recorded and disconnected the phone, despite being told that Georgia and Federal law allows one party consent. 


WellsFargo reports this on my personal credit. If I want my payment date advanced with extra full payments, I have the right to. If they can not point to a law or loan stipulation, they need to honor that right. 

Also, they can not give themselves the right to record conversations and deny that to customers, who have a lawful right to do so under federal and state statute.

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 2020-06-19
Company: MRS BPO, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I closed my internet account with XXXX in XXXX of 2020 in person at a XXXX   store and paid my outstanding balance in full. Three months later, I received a letter from a debt collection agency ( MRS Associates of XXXX XXXX, NJ ) informing me that I owed XXXX  {$50.00}. I had received NO notification, via email, phone, or mail, directly from XXXX  about this debt, which I do not in fact owe. They referred the matter directly to a collections agency, exposing me to harassment and sharing my social security number without my consent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XX/XX/XXXX I called XXXX XXXX to cancel one of my cards. To my knowledge all I had opened under XXXX XXXX was a XXXX XXXX XXXX card and XXXX XXXX card. The representative asked me on the telephone, " Which of the four accounts would you like to close? '' I said what all I know about is the two accounts. He said you have a buisness account under XXXX under XXXX XXXX & XXXX XXXX, you have a XXXX XXXX card under XXXX XXXX and the XXXX XXXX XXXX XXXX XXXX XXXX card. I told XXXX XXXX that that is my Dad opening up accounts in my name. The representative states that both the XXXX XXXX and buisness card were opened in XX/XX/2022 and XX/XX/2022 and that there was a balance of {$5000.00} on the business account and {$3000.00} to the XXXX XXXX account. I told XXXX XXXX to cancel my account and they transferred to fraudulent department and an investigation was started. They said id receive something in the mail in 2-4 weeks. I then pulled my credit report from XXXX and saw a Bank of America card opened in XX/XX/2022 which I did not open. I called bank of america and asked what account was opened and they said there is an account open in your name XXXX XXXX but the number, email and address were all my dads information. I was transferred to fraudulent department and they closed the account. The total amount for bank of america was {$3800.00}.

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 2019-08-24
Company: National Enterprise Systems, Inc.
State: WA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was alerted to a change of a negative report on my credit report. I discovered that National Enterprise System ( NES ) re-parked/parked a debt from a previous report from XXXX XXXX XXXX/XXXX. So they reported a debt already reported which affected my credit score.

I never received any notice of the debt. No letter or correspondence and I was unsure what the debt was for. 

Also, they indicated that account was for an attorney. However, this is a zombie debt which became legally uncollectable XX/XX/2019. 

When I discovered the debt around late XXXX was on my credit report, I sent a certified letter to NES providing : 1. I never received any communication about this debt and I wanted more information about it.

2. I asked who was the attorney or law firm that the debt was being collected for in light of NES providing this was an attorney seeking the debt on the credit report.

3. Because I was activated for active duty, I was protected under the SCRA so I asked for information on the interest rates since it was unclear why I owed the money. NES responded and provided nothing I asked for except the copy of the promissory note.

I paid the amount regardless to settle but I was not provided the Initial G information, I was not provided a breakdown of cost outside the principal amount per Washington Law, this debt was parked/re-parked and I received a negative credit report for a debt that was already posted since 6 years ago, NES filed that an attorney was the account holder when there was no legal consequences especially with Washington 's new law that provides payment of a time barred debt does not re-age the debt or makes it active again, and the debt collector did not provide me any information on the interests rates charged to insure my SCRA rights were not violated. 

So I am unsure what the final amount negotiated involved, and NES in its collection efforts indicated that they were contact with the original creditor and they needed their approval of the settlement yet the credit report shows that the prior creditor of the account was paid in full.

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 2023-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
In accordance with fair credit reporting act XXXX Account # XXXX, has violated my right. 
15 USC 1681 Section 602 States i have the right to privacy.

15USC 1681 Section 604 A section2 : it also states a consumer reporting agency can not furnish an 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 the 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 2022-08-17
Company: Revco Management, LLC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I was initially contacted with XXXX ( XXXX ) XXXX the person on the line Asked for XXXX XXXX. I advice he doesnt belong to this number and not to contact me again. Yet I keep get calls. They called me again today and I call the XXXX # and they advices they are looking for me. I tell the person that it can not be right because there is another debt collection company ( We have an important message from XXXX XXXX XXXX XXXX a debt collector. Call us at XXXX Important Rights : XXXX Txt STOP to End texts ) contacting me about the same debt. She advices she could explain that if I verified my identity which I refused to do because XXXX different companies are contacting for the same thing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 am XXXX XXXX. who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I'm filing this complaint because it's been over 35 days and you are still reporting these items without permission and that is fraud.

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