BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-03
Company: EQUIFAX, INC.
State: AZ
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 am a victim of identity theft. The following debt collection accounts : XXXX XXXX XXXX XXXX, {$960.00}, and XXXX XXXX XXXX, XXXX, {$12.00}, XXXX are fraudulent, unauthorized and dont belong to me. I have been receiving harassing phone calls daily at XXXX XXXX  from representatives from XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX, XXXX, using abusive and profane language against me, making death threats, threats of taking legal action against me, and threats of me going to jail and prison. I informed representatives from XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX, XXXX, that the debt and account is fraudulent, unauthorized and not my debt. XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX, is in violation of The Fair Debt Collection Practices Act ( FDCPA ) under Federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I would like to request the suppression of these items from my credit report, which is the result of fraudulent items origination and identity theft. These fraudulent items should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. 


XXXX XXXX  XXXX XXXX, XXXX  XXXX XXXX, XXXX  - XXXX XXXXE 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 2019-08-01
Company: SELECT PORTFOLIO SERVICING, INC.
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We received a letter dated XX/XX/2019 on XX/XX/2019. The letter indicated we have been approved for a trial modification and the first payment is due XX/XX/2019. This trial modification was done unexpectedly because we had not made any request since XX/XX/XXXX. The response we received in XX/XX/XXXX from SPS stated there were no options or programs that could assist our financial situation. The lates modification did not provide us a 30 day time period for trying to make a payment. We contacted our relationship manager numerous times ; however, we never had the opportunity to speak with her/him. We always get a representative who states they have to send our request to the relationship manager. The letter we received clearly stated contact your relationship manager. On this past Monday, we spoke with a representative again requesting the trial modification be amended and allow us to start XX/XX/2019. The response again from the representative, I am not able to approve your request, but I will notate your account and send your request to the relationship manager. We received several calls from someone who we can not understand and the message left is vague. Who ever is calling is not the relationship manager. The name we were provided with on Monday, XX/XX/2019 was XXXX is our relationship manager, whom we yet to hear from. We have been seeking assistance from SPS almost 2 1/2 years, and the response is always there are no options or programs to meet your hardship request. We do not want to loose our home and we have continued to acquire assistance from SPS. We sent a letter to the owner of the property requesting them to donate the property to our XXXX nonprofit organization since this is our residence and ministry. However, no response received. Please provide us with assistance and help us to prevent foreclosure actions. 

Sincerely, XXXX XXXX and XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
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 Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX, ACCOUNT NUMBER : XXXX, BALANCE {$6300.00}, XXXX XXXX, ACCOUNT XXXX, BALANCE : {$4600.00}, XXXX XXXX, ACCOUNT NUMBER : XXXX, BALANCE : {$2300.00}, XXXX XXXX XXXX XXXX, ACCOUNT NUMBER : XXXX, BALANCE {$5200.00}, XXXX XXXX XXXXXXXX, ACCOUNT NUMBER : XXXX XXXX BALANCE {$20000.00}, XXXX XXXX XXXX  XXXX XXXX, ACCOUNT NUMBER XXXX XXXX XXXX BALANCE XXXX {$4900.00}, XXXX XXXX, ACCOUNT NUMBER : XXXX, BALANCE {$1100.00}, XXXX XXXX, ACCOUNT NUMBER : XXXX, XXXX {$1100.00}, XXXX XXXX, ACCOUNT NUMBER : XXXX, BALANCE {$22000.00}, INQUIRIES : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX 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, EXPERIAN, XXXX XXXXXXXX XXXX, SSA XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX. 

15 U.S.C 1681 section 602 A. States I have 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 2023-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 recently reviewed a copy of my credit report. It indicated that a credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2022-06-13
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/XXXX I have a XXXX charge from XXXX  that I don't recognize. I immediately called it in as Fraud, and was promised a provincial credit and was never given that. On XX/XX/XXXX I got a letter that charge was indeed fraud but I still haven't received any credit and was charged since late fees and interest. Today XX/XX/XXXX when I inquired why the charge is still there I was told that this was never called in as 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 explanation
Consumer complaint received 2022-02-15
Company: FirstPoint Collection Resources
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I filed a dispute with XXXX about an account from XXXX XXXX XXXX that got sent to collections. XXXX XXXX XXXX was the collection agency. The dispute was filed on XX/XX/2022 the file number is XXXX. I paid the collection agency on XX/XX/2022 and a representative said they were going to report to the credit agency on Friday XX/XX/2022 and they didnt so I filed a dispute. XXXX said that I didnt pay the collections agency so they were keeping it as the debt was never paid, I have proof of payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have 4 loans reported late in XXXX and XXXX of 2018 in which the loans were on approved deferrement. I disputed the error with Experian but they verified the reporting as correct information. As supporting documentation I have the approval letter of deferrement covering the time that was reported 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 2023-11-17
Company: SYNCHRONY FINANCIAL
State: FL
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I took out a XXXX interest to 2 year loan from Synchrony Bank for {$26000.00}. I called and asked to set the payments to pay off the loan in full on time for the free interest. They said they did. After making a payment of {$660.00} evey month for 2 years I called and they said they set the payment wrong and now I would have to pay the remaining balance and all the interest since the beginning. They told me I had to pay {$10000.00} to pay off the loan in full, but they won't recognize the payoff, they keep charging more interest, and won't refund the original interest. They owe me {$13000.00} in over payments. I have contacted them 6 times now by phone and twice by email. The respond by email saying I need to call. When I call they say they need to have a manager call back but they never do. They are very dishonest and I would like help getting my money back please?

Company response to consumer: In progress
Consumer complaint received 2023-07-03
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX, XXXX XXXX  XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, have 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 2023-04-06
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: Account status incorrect

Complaint:
In XXXX both XXXX and Transunion dropped my score by XXXX points. My utilization is around 25 %, it is usually lower, but we booked a trip to XXXX. Normally around 22 %. All my bills were paid on time, except one late payment because we were in XXXX for a small amount. It was promptly paid on our return. I feel their action on a XXXX point drop was excessive. I always had good credit, never defaulted on anything and paid my bills on time. In all the years my history shows on time and in good standing. I would like them to explain to me their reasoning. 

Thanks, 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: 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:
MY rights are being Violated and I keep being told that the account is verified I am not asking for verification Im requesting for DELETION BECAUSE I DID NOT GIVE WRITTEN consent for any of this to be finished on my credit report In accordance with the Fair Credit Reporting act Convergent Accounts are violating my rights # XXXX for XXXX XXXX XXXX, XXXX bank # XXXX XXXX XXXX XXXX and I have received a 1099 for this so it is no longer a bill so it should not be reporting as a open collection, 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 in accordance with the law 15 U.S.C 1681 There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Except as authorized under subsection ( b ), 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.Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; SO THIS ITEM IS INACCURATE AND I WOULD LIKE IT DELETED

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-17
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XX/XX/19 a check for {$410.00} cleared my Wells Fargo Checking account leaving an available balance of {$19.00}. A deposit of {$20.00} was made into the account on XX/XX/19. Over the weekend automatic debits and purchases with a debit card came in for XXXX {$7.00}, {$9.00}, {$12.00}, {$3.00}, clearing the bank on XX/XX/19. None of the payments were declined, and despite showing a positive balance when the check cleared, Wells Fargo assessed a {$35.00} Overdraft Charge applied on XXXX-19. I had previously disabled overdraft protection on debit card purchases when the CPFB came into existence. Wells Fargo was supposed to decline to pay the transactions at the terminal at the time of purchase. 

When I called to complain the WF Employee tried to explain to me that the debit transactions happened in such a way that they caused the overdraft fee. I insisted that I had opted out of overdraft protection on Debit Charges and the statement clearly showed there was a positive balance after the check cleared. The agent continued to argue and interrupt me. He denied that Debit Card transactions on opt out accounts were legally exempt from Overdraft Fees. I reminded them of all the fraudulent activity WF was in the news for again, and that now they were stealing from me. He agreed to waive half of the fee and stated that was all the system would allow him to do. I told him that was unacceptable for them to steal any money from me under the guise of Overdraft Charges for a check that did not bounce. He told me I would have to talk to someone higher up and I insisted he transfer me immediately. 

The next person came on the phone and the situation repeated itself, only this time he offered me an additional 15 % discount on the charges and that was all the system would allow him to do. I told him I do not care about any of your systems, this is not a negotiation I will report this to CFPB. I am not negotiating the amount of money I will allow Wells Fargo to steal from my account. He then refunded the entire {$35.00} fee immediately and I ended the call promptly.

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 2023-11-15
Company: Williams, Rush & Associates, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The original utility was XXXX XXXX, this is a 3rd party utility that provides gas supply through the distribution of your typical municipal or private utility owner at supposedly reduced rates. All billing for their service is handled through local utility, which provides distribution and billing and pays XXXX. No payments are provided by the subscriber to XXXX, all billing is handled through XXXX XXXX XXXX ( the local utility distributor ). 

I moved from a location where i had subscribed to XXXX gas product to a new location where it wasn't offered. I received a large bill from them with a very large cancellation charge. I reached out to them to dispute this based on the fact that i moved to a location where they can't provide their service. They responded by stating they would remove the cancellation fee. This conversation happened over the phone and email confirmation of the actions. This occurred in approximately XXXX of 2022. I never received an updated invoice or bill after this interaction occurred. One year later i receive a collection letter from XXXX XXXX XXXX along with a collection account placed on my credit score. I reach out to them to get a debt verification of the owed amount. They never provided a debt verification. I reached back to to XXXX XXXX to inquire about why this went to a collection account and to address it directly with them. They provided an outstanding balance that included the high cancellation fees. I sent them the communications where they removed the fees. They apologized and provided me an updated amount without the fees. I paid this amount. I reached out to the collection agency and showed them my communications, showing that i paid the outstanding balance. For months, the collection agency, XXXX XXXX, has stalled and refused to acknowledge my payoff to the original utility. All of my communication results in them stating that they need to confirm they amount with original utility. I have multiple email communications stating i am paid in full, which they are unwilling to accept as fact. I still have a collection account on my credit report.

Company response to consumer: Untimely response
Consumer complaint received 2023-06-21
Company: Experian Information Solutions Inc.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The list of account has violated my federally protect consumer to privacy and confidentially under 15 capital USC 1681. 


XXXX Account Number XXXX STATE OF CT DEPT SOC XXXX Account NumberXXXX 15 U.S.C 1681 Section 602 A. states that 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 your account without my written instruction.

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 items 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 the consumer to any consumer 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