BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-31
Company: Experian Information Solutions 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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act Section 605B, which states that the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days. The account listed below is still reporting on my Credit Reports and need to delete immediately : 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 2019-10-25
Company: WELLS FARGO & COMPANY
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:
I was told by Wells Fargo bank that they would change this inquiry to a soft inquiry but they havent, because it is still showing on my credit report and it is affecting my credit score.

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 2023-10-12
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting 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:
The above noted personal identifiers are the only requisite reported ones that I authorize, please eradicate any allegations of any others that you might have and block any others from being report-ed, or demonstrate to me your regulatory right to retain as mandated by FCRA laws . I DO NOT AUTHORIZE you to retain ANY not MANDATED allegations versus me. ANY INFORMATION you retain or report MUST be mandated, true, correct, complete, timely, proven mine, of my re-sponsibility and otherwise compliant to any and every reporting regulation in my state or federal laws. 
Unauthorized and or possibly Fraudulent, certainly unproven to be compliant with mandated proof of permissible purpose allegation of Credit inquiries by Original Creditors on my consumer credit reports In the course of recently screening my personal consumer credit report, I observed what obviously appears to be likely some unauthorized and or fraudulent credit inquiries and undoubtedly ones de-ficient of the compliant proven permissible purpose ( to be retained or reported lawfully ) allegedly made by the following Original Creditors : Alleged Creditor # 1 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry defi-cient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX. XXXX XXXX  XX/XX/XXXXXXXX  Alleged Creditor # 2 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry defi-cient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX. XXXX XXXX XX/XX/XXXXXXXX  Alleged Creditor # 3 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry defi-cient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX. XXXX XXXX XXXX  XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
TODAYS DATE:XXXXXXXX XXXX XXXX XXXX  SOC SEC XXXX XXXX XXXX XX/XX/1968 ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXXXXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section XXXX of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious CREDIT COLLECTION SERV XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the XXXX XXXX XXXX for XXXX XXXX XXXX XXXX California XXXX XXXX XXXX XXXX me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC XXXX XXXX XXXX XX/XX/1968 ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24
Company: Freedom Mortgage Company
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Freedom Mortgage acquired my loan, which was originally held with XXXX. While my loan was held with XXXX ( from the start ) I had automatic withdrawal set up on my account. My payment history was impeccable being that the payments were on auto withdrawal. Unfortunately, when the acquisition of my loan took place ( from XXXX to Freedom ) XXXX cancelled my automatic withdrawal. This cancellation caused my loan payments to default. 

Details I had no idea the acquisition of my loan took place, and I also had absolutely no idea the automatic payments were cancelled. Up until XX/XX/XXXX I was operating under the impression everything on my loan was the same as it had always been. I ONLY became aware my loan was in default because I received an alert from XXXX credit bureau stating my score had dropped over 120 points ( based on missed payments from this loan ). Upon receiving the alert from XXXX I called the number provided on the credit bureau, which is when, I became aware XXXX no longer held my loan. Once getting in contact with Freedom Mortgage I was able to sort things out. I immediately paid the outstanding balance, and brought the account current. 

Some facts regarding the failed communication need to be put in consideration. I moved out of the property XX/XX/XXXX. Upon moving I had a savings account ( outside of my other personal and business accounts ) set up for this payment. At that time everything on my account was as it should have been excellent payment history, auto withdrawal was in place etc. The fact I had a separate account for this loan is the reason I didnt notice the payments had stopped. Furthermore, due to the fact I no longer lived at the property I never once received a letter or call relating the loan acquisition/cancellation of my autowithdrawl for payment. See attachment for communication notes your representative provided me. Per the notes in the attachment youll see mail was listed as returned to sender and there was no contact made via phone- they had multiple wrong numbers and called them multiple times. Again, had there been any communication this wouldnt have happened. Ive also attached my credit report to highlight the negative reporting that needs to be removed. This horrendous scenario is product of failed communication due to a business acquisition ( Freedom Mortgage and XXXX ) I had nothing to do with. My credit was XXXX prior to this incident, and now Im facing potential business hardships with the drop in my credit.

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 2023-11-02
Company: Experian Information Solutions Inc.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have consistently made my payments on schedule and never missed a deadline, so this situation is causing me distress. I'm struggling with the inaccuracy on my account, which is affecting my sleep. I urgently request that you correct the late payment error and update my account as soon as possible.

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 2022-12-04
Company: EQUIFAX, INC.
State: NC
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:
15 USC 1681 Section 602 States I have the right to privacy.

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: EQUIFAX, INC.
State: FL
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:
I RECENTLY REVIEW MY CREDIT REPORT AND NOTICE A UNAUTHORIZED CREDIT INQUIRY IN MY EQUIFAX CREDIT REPORT ON XX/XX/2022 MADE BY XXXX  PLEASE REMOVE THIS IMMEDIATLY

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28
Company: Dealer Funding, LLC
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 information incorrect

Complaint:
On XX/XX/2018 I sent a certified validation letter to XXXX XXXX Bank as well as XXXX XXXX loan asking them to verify the account that their company is claiming to be charged off. It was verified as received through the postal service as received on XX/XX/2018. Per the fair credit reporting act and the fair Debt Collection Practices act they are required to provide written proof bearing my signature. They are reporting incorrectly and I am requesting that they fix this. Also Another letter was sent out certified asking them to validate charge off accounts on the XXXX of XXXX, 2018 and was verified as received on XX/XX/2018 as well. My next step will be taking them to court because are in direct violation of the Fair Debt Collections Act as well as the Fair Credit Reporting Act.

Company response to consumer: Untimely response
Consumer complaint received 2023-02-05
Company: JPMORGAN CHASE & CO.
State: WA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I've tried three times to resolve this dispute with Chase bank. Chase continually sides with the merchant even with the evidence I have provided that XXXX is not abiding by their own policies. 

In the paperwork that Chase has sent to me, it clearly states on page 6 that XXXX allows 24 hours for cancellation for non-refundable purchases. Yet somehow, remarkably, Chase has failed to read the paperwork themselves and see that I made the purchase on XX/XX/2022, and I tried cancelling on XX/XX/2022 and I am within the 24 hour period. 

Chase 's failure to read through the paperwork has now caused this escalation to drag on unnecessarily for five months and is in no way indicative of their responsibility to consumer protection.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: Colony Brands, Inc.
State: NY
Product: Credit card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Seventh Avenue is not reporting accurate payment and account information to credit bureaus. I have sent numerous emails and just logged on and sent an internal email. I owe nothing. And due to the hassle I will not be ordering from any Swiss Colony company on credit. I have paid every month. I am paid in full on my Seventh Avenue account. There are no statements on account since XXXX XXXX. Last order was XX/XX/XXXX and last payments XX/XX/XXXX. There are no statements with these payments on my account. I am missing the cross candles. The order was lost and I didn't find the order until after XXXX on rental office porch. Ruined my XXXX but I was honest and let them know I found this order. I had been credited the order. So, recognize I am a very honest person. Thank you XXXX XXXX XX/XX/XXXX I do not like to waste your time but seventh Avenue will not cooperate

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24
Company: AMERICAN EXPRESS COMPANY
State: MD
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX, I was a victim of Identity theft. Someone hacked into my American Express account online and removed my bank account information and replaced it with their own. They then pretended to make a {$1500.00} payment on a {$0.00} balance account, knowing that it takes 2-3 days to process, and immediately requested a refund for the full amount from American Express. Amex sent them a {$1500.00} check straight into their bank account. The " payment '' that this person made came back as " non sufficient funds '' and the {$1500.00} that Amex sent him now became a {$1500.00} balance on my Amex account. I contacted Amex as soon as I saw this balance on a credit card that I haven't used in over 3 years. I called them immediately to tell them that this was not me trying to make this payment and the bank account that they sent a {$1500.00} check to was not my bank account. I told them to freeze everything so that this person doesn't have access, but they didn't do what they promised and on XX/XX/XXXX, this person made another " payment '' for {$1300.00} from another bank and immediately asked for a refund to be sent to him. American Express again sent him a check for {$1300.00} and again his payment turned out to be " non sufficient funds ''. After charging me interest fees, returned payment fees, and finance fees. My {$0.00} balance card that I haven't used in over 3 years, has a balance of {$3200.00}. I have called American Express at least once a week for the last 4 months trying to get this off my account and after being transferred from one department to another, and having to explain this nightmare to a different agent every time, for many hours a day ... they haven't done anything to help me. They've told me that they're opening an investigation each time and when I call back to see what the outcome is, they say that no investigation has been open yet. They guaranteed me that they were going to fix this and that my perfect credit score was not going to be ruined. It has now hit my credit score and dropped 64 points overnight due to this delinquent Amex account that they promised that they were going to return back to a {$0.00} balance. This has been a horrible nightmare and American Express has been completely noncompliant in any and all of my complaints. They sent this stranger money without even checking his identity or asking any security questions to make sure that this was me. They didn't notify me when there was suspicious activity on my account. I have still not heard from anyone from Amex regarding this issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-02
Company: Experian Information Solutions Inc.
State: MD
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 2020-07-31
Company: MoneyLion Inc.
State: MS
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
i look at my credit report and seen moneylion of XXXX XXXX  trying to collect an alleged and inaccurate debt of XXXX that i do not owe.and i have attached of the letter that i sent requiring the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05
Company: Hunt & Henriques
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Stop harassing me. This is emotional abuse. You have been harassing me for close to 10 years, this is sad and pathetic. You think that because you think your a lawyer that it is okay. Please this is sad that you feel you can push people around especially single mother attempting to provide for her family.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: EQUIFAX, 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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require Equifax to validate account ( A ). It is not permissible to fail to validate the reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-02
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Hello My Name Is XXXX XXXX. 
I would like to remove any fraud alerts on XXXX, XXXX or experian. I have tried calling up each company directly and the computers that answers these phone calls go around in circles. 

No fraud alert is needed on my account so if any company has my name as a fraud alert I would like it removed. I am trying to apply for things and It is saying I have a fraud alert. Hopefully with this being said this can be resolved. If any questions or concerns to verify I am really me please feel free to call me or e-mail me on information you have as my contact.

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: Global Lending Services LLC
State: OH
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I spoke with global lending services on Friday XX/XX/2023 and spoke with them in regards to why I fell behind and also gave them a date I would make a payment XX/XX/2023. As of today I have been attempted to be contacted an additional 3 times. On XX/XX/2023, XX/XX/2023 and today XX/XX/2023. Some on my phone number and some on my co-borrowers phone number. I made it very clear in my phone call on Friday that I know the laws, they have to wait to contact me, as well as they had threatened to report to the credit bureaus. The reason I had fallen behind was my father passed away and we had to help with end of life expenses and they were not willing to assist AT ALL! They stated they had options for me but offered NONE!

Company response to consumer: Closed with explanation