BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-29
Company: EQUIFAX, INC.
State: NY
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/2021, I contacted Equifax about the following inquiries ; XXXX  XXXX Inquiry on XX/XX/2021, XXXX XXXX XXXX Inquiry on XX/XX/2021, XXXX XXXX  Inquiry on XX/XX/2021, XXXX  XXXX Inquiry on XX/XX/2021, XXXX  XXXX Inquiry on XX/XX/2021. Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: WELLS FARGO & COMPANY
State: AZ
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My monthly payment increased from {$310.00} to {$320.00} ( I'm not able to pay unnecessary increases in mortgage payment ) due to my fixed income, Social Security. 
My original agreement with Wells Fargo they would refund my overpayment at the end of the year, but, XXXX XXXX XXXX XXXX keeps the overpayment. I have spoken to them by phone twice and they said they would reduce my mortgage if I pay them {$100.00} On Thursday XX/XX/2023, I spoke to XXXX and I paid {$50.00} of the {$100.00} which he said I owed {$56.00} left then my new payment would be {$310.00}. XX/XX/2023 XXXX I paid XXXX XXXX the phone {$58.00} at which time XXXX XXXX my new mortgage starting in XXXX would be XXXX confirmation # 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 2021-10-22
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
So a couple things wrong. The credit card company is capital one, who midland credit funding claimed they reached out to. I had reached out to Midland Credit Funding because I had paid off a debt of two separate credit cards around the same time. I reached out to them when I saw that they were attempting to re-report a debt that I had paid. When I reached a settlement deal with the debt collection both credit cards were updated on my credit report as settled and had a balance of XXXX for about 1 year and a half after. Fast forward to recently and I had called them to dispute and they eventually sent a letter saying that the debt was valid. It doesnt make sense that the debt was cleared from my credit when I paid both debts off and they come back and say that I owe them a {$3000.00} debt again. So they re-reported it on my credit report and put an update to my balance that went from {$0.00} ( settled ) to a now balance of XXXX. The second problem is that the report is now showing that the debt was made in XXXX when originally everything was back closed and settled in XX/XX/XXXX which is what originally was on my credit report and it was opened in XXXX XXXX. I would like this removed from my credit report because both accounts were settled just for them to come back and say I owe {$3000.00} all over again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: Financial Accounts Service Team Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Proof of amount owed and check numbers. I do not use checks, and they are saying I used checks to pay for food at XXXX XXXX XXXX XXXX. I went to XXXX with the letters and they said they don't even accept checks, and it looked fake. 

The company trying to collect this fake debt is Financial Accounts Service Team at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX They called ALL the time a year ago, I went to XXXXXXXX XXXX  and they verified that the check numbers are not valid. XXXX once again said they don't even accept checks. FAST stopped contacting me until again today. This company is not accredited and is completely fraudulent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
I'm a victim of Identity theft. I have fraudulent inquiries on my credit report : XXXX XXXX XXXX XX/XX/XXXXXXXX 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 Please see my identity theft report and documents in the attachments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX, Transunion, and XXXX violated 15 U.S.C 1681a for refusing to block the fraudulent accounts that was not verified I submitted an identity theft reported provided my proof of identity submitted an identity theft affidavit with The Federal Trade Commission see ( attached documents ) as required according to federal law and the credit reporting agencies failed to block the information or provide a legal reason for not doing so.

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 2023-08-22
Company: EQUIFAX, 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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-01
Company: Experian Information Solutions 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:
I was in the process of buying an ATV for summer fun. As I was looking for the one, I liked the saleswoman that was helping me with the process told me she needed to check my credit to make sure I qualified. When she got my report back, she told me I was not eligible. I asked her to show me my report and there are several derogatory items that do not belong to me. These items are not mine and need to be removed as soon as possible. I have been a victim of identity theft. 

XXXX XXXX {$1100.00} XXXX XXXX XXXX {$1100.00} XXXX XXXX   XXXX {$340.00} XXXX XXXX XXXX {$1200.00}

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 explanation
Consumer complaint received 2023-12-14
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am writing to bring to your attention a matter of serious concern regarding what appears to be an unauthorized pull of my credit report by XXXX. I recently became aware that XXXX has accessed my credit information without my explicit authorization, and I am deeply troubled by this violation of my privacy rights. 

I have not provided any consent or authorization for XXXX to review my credit report. Despite this, it has come to my attention that they have undertaken such an action, which I believe to be in direct violation of the Fair Credit Reporting Act ( FCRA ) and my rights as a consumer.15 USC 1681 Section 604 ( a ) Section 2 : This section of the FCRA outlines the permissible purposes for obtaining a consumer report. It restricts access to an individual 's credit report to those with a legitimate and lawful reason. Any unauthorized access or use of my credit report may be considered a violation of this provision. I have reason to believe that these accounts may have been accessed without a valid and lawful reason, as the debts associated with them have already been discharged and are no longer active.

This unauthorized access raises significant concerns about the security and confidentiality of my personal and financial information. I am formally requesting the Consumer Financial Protection Bureau to conduct a thorough investigation into this matter. I seek clarification on how and why XXXX accessed my credit report without proper authorization. 

To assist with your investigation, I am providing the following details : Date of Unauthorized Access : XX/XX/ Details of the Unauthorized Inquiry : See Attached I am confident that the CFPB will diligently investigate this matter and take appropriate action to ensure that my rights under the FCRA are protected. Additionally, I request that XXXX be held accountable for any violations identified during the investigation. 

I appreciate your prompt attention to this matter and look forward to a swift resolution. Please keep me informed of the progress of the investigation and any actions taken. 

Thank you for your commitment to consumer protection.

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 2021-06-30
Company: DISCOVER BANK
State: CT
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 inquiries don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of inquiries that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft DISCOVER FINANCIAL SER Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: Experian Information Solutions Inc.
State: CA
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: Their investigation did not fix an error on your report

Complaint:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2023-08-21
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: Credit inquiries on your report that you don't recognize

Complaint:
Delete Hard Inquries. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: The CBE Group, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a debt collection letter from the CBE Group Inc, a third party debt collector for XXXX. They said I owe {$210.00} as of XX/XX/XXXX which is entirely false. I switched over to XXXX back in XXXX and left the XXXX account under my name because a family member was still active on my account and as I was told on multiple occasions by a few XXXX customer care agents , all rewards including promotions will be lost on the account if I decide to change the account holder name. They've also switched over to XXXX back in XX/XX/XXXX. This is where the deception begins. XXXX sold the account to CBE Group Inc once my family member left XXXX and switched over to XXXX. I didn't receive notice about a bill until yesterday when I checked my mailbox and seen a letter that was sent from this third party debt collector affiliated with XXXX. I also want to address that XXXX never sent me a final bill, they sold the account soon after and now CBE Group Inc wants to collect a debt from me that is not owed for the amount stated. I know my rights as a consumer and I do not owe this company a single penny. My family member 's phone was unlocked after 60 days and they waited 14 months to switch to a different carrier due to problems with billing and their data being leaked. It's their right to switch carriers if a phone is unlocked but the remaining balance would have to be paid. And I will reiterate, a final bill was never sent to my current mailing address. I also have a witness at XXXX who made the transfer in-person and they assisted my family member to pay all fees upfront including the remaining balance with XXXX because it's not possible to upgrade without settling the remaining balance on the previous device. I will be disputing this debt collection to all three major credit bureaus. They've closed the account as of recent and came up with their own numbers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-21
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NE
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:
USAA FSB will not honor a divorce degree regarding debt. The legal documents showing me having XXXX liability for the specific account have been provided to them several times. Hours of phone calls and being transferred to countless departments. Now they have lowered my credit score by 48 points. Claiming my credit card is past due. A credit card that I have not needed to pay nor been liable for in almost 6 years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I ordered a wig from this company called XXXX hair and it arrived XX/XX/2022. I had other financial obligations that were much more important so when the XXXX XXXX arrived, I told them I refuse the package and ask if I could receive confirmation the package would be returned. The XXXX told me to take a picture, so I did. I found out it would be the same tracking number which was XXXX so I tracked it and it kept showing me that it was sitting in XXXX, AZ I knew that couldn't be right after more than two weeks. I had disputed it with PayPal Credit soon as I sent it back to make them aware. They removed it but then added it back like if I owe it. The seller XXXX hair is upset, the person I was communicating with tried to text me in XXXX, but the message disappeared, but she asks me to give her {$40.00} for shipping. This made me uncomfortable because no one ever asked me this. The seller was upset when I told her no. The seller knew that a case was opened with XXXX, and they provided another tracking number which is XXXX and case no. XXXX. I called PayPal credit and gave them this information and today when I called again, they didn't even have this information documented so I had to give it to them again. The account manager I spoke to XXXX who was pleasant advised me that they were closing it out again and I have all this proof, but they aren't trying to tell me where I can send it and they won't document it. My trust is gone with this company and others. This is through PayPal credit but the bank who has lended the credit is Synchrony Bank. I have never been told to contact Synchrony and they make it difficult who to handle this matter with, but I have reach out to both.

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 2023-08-31
Company: Early Warning Services, LLC
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
An account I follow ( XXXX XXXX ) on XXXX raved about quick returns on XXXX  investment she did with ( XXXX XXXX  ) and I started a conversation with her to invest {$1000.00}. This person has a fake website with login & all. The received the money & confirmed that they have traded for XXXX- after about 12hrs they asked for more money {$500.00} to upgrade brokerage account so as I can withdraw profits out of it. I sent {$500.00} as a charge ti upgrade brokerage account. After couple of hours they were like, the trade they bought for me had low signal and would not actualize into profits if the signals not upgraded and I would lose the original {$1000.00} too. If I dont send additional {$3000.00}. I was like no way im sending {$3000.00}. Then the person on other side like okay you pay half & Ill take care of the rest. And after sone conversation I sent $ XXXX broken into {$800.00} & {$700.00} ( through XXXX XXXX XXXX  XXXX which has been refund ) payments. And post that they tried to hack my XXXX & I refused to use any link sent by them. 
Reported to the bank & Zelle within 2 days, the accounts were removed from Zelle but the amt hasn't been reversed- if XXXX  can reverse a XXXX XXXX XXXX payment seeing the case why can't zelle help? 

XXXX XXXX XXXX - website used by the scammers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: EQUIFAX, INC.
State: PA
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:
1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these account and inquiries deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX Listed XXXX are the Inquiries that are being challenged XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX - XXXXXXXX XXXX - XXXXXXXX XXXX  - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30
Company: Experian Information Solutions Inc.
State: FL
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:
I have a credit card from XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting Experian, XXXX, XXXX, and XXXX with no successful resolution. Experian, XXXX, and XXXX reporting me 30 days late in XX/XX/2021. There was an error on their part. I was never 30 days late.

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 2023-04-04
Company: TRANSWORLD SYSTEMS INC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/202, I rented a car from XXXX in XXXX XXXX, XXXX, NY. The rental was from XX/XX/2022 XXXX XXXXXXXX XXXX As required, I returned the vehicle on XX/XX/2022 ( around XXXX XXXX ) to the drop-off location listed in the rental agreement ( XXXX XXXX XXXX in XXXX XXXX XXXX VA, XXXX XXXX has an office ). There was no one from XXXX present when I arrived to drop off the keys, even though it was during its normal business hours. 

I followed the directions that I saw written on a paper posted on the door of the office, that stated I should drop off the keys in its drop-box. I have a photo of these instructions, which shows the time and date taken ( around XXXX  XXXX on XXXX XXXX XXXX ). I then called XXXX 's customer service number to confirm that this was correct. 

My father witnessed this call to XXXX 's customer service and its acknowledgement that I had returned the vehicle correctly ( I have a record locator number for this call ). My father was my ride home, so he witnessed me drop off the vehicle at the exact location listed in my rental agreement. He is willing to testify as a witness. On XX/XX/2022 I received an email from XXXX XXXX, who works at XXXX. She requested an affidavit that I returned the vehicle I had rented. I emailed her MANY times with no response from XXXX XXXX, and no communication from XXXX whatsoever. 

On XX/XX/2022 I saw that XXXX had charged my debit card ( the original payment method that was used for the rental ) a total of {$3400.00}, which was the entirety of my check account at the time. I saw that they also emailed me an invoice for {$11000.00} - claiming that I had not returned the vehicle until XX/XX/2022 at XXXX XXXX. 

XXXX has now sent me to collections via Transworld Systems for the {$11000.00} charge, destroyed my credit, and will not cooperate with myself or my lawyer. I have a large amount of evidence proving I do not owe XXXX more than {$110.00}.

Company response to consumer: Closed with explanation