BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-21
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I XXXX XXXX notified entity XXXX XXXX, On Matters of ACCOUNT # XXXX Ending. That the month of XXXXXXXX XXXX XXXX Reported XXXX XXXX have not happened. 
Due to 15 US 1681s-2 ( a ) ( 1 ) ( F ) reporting information during Covid-19. As well as being affected by 18 U.S.C. 1344. As a victim. No reconsideration of remarks as well as reconciliation of account information.

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 2023-05-05
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/XXXX a check was deposited by way of an ATM into my checking account which is photographed and entered electronically by the ATM machine. A couple of days later when checking my balance, it showed in available funds approx. {$5500.00}. As the next couple of weeks went by, I utilized a majority of my available funds. On XX/XX/21 I received a letter noting the bank error of over-crediting my account of {$4500.00} and that my account was deducted {$4500.00}. I notified the bank of my rights as a consumer and filed a dispute requesting my {$500.00} plus dollars from checking, along with my {$940.00} social security check that was taken as well as access to my {$500.00} plus dollars in my savings being that they locked my debit card, explaining that I am not responsible for bank errors. My claim was denied. I again contacted Wells Fargo on XXXX to dispute the denial and to escalate the claim to higher-up authorities.

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 2021-03-30
Company: EQUIFAX, INC.
State: SC
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:
XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  use XX/XX/XXXX XXXX XXXX XX/XX/XXXX state employees Credit XX/XX/XXXX I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX 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.

Please see above LAW, this isn't a request to verify this is the law that clearly states that I have the right not to have companies report to my credit without a WRITTEN REQUEST FROM ME, which at no time have I ever given WRITTEN PERMISSION.

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 2023-09-27
Company: Continental Finance Company, LLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
There was a {$500.00} Credit Limit card that was issued by Continental Finance. I never received or used such card. XX/XX/XXXX There is now a balance of over $ XXXX default/collections. My credit score has declined by over XXXX points. 
I have disputed via all 3 credit bureaus ( XXXX and sent certified letters to finance companyboth verified info. ( XX/XX/XXXX ) The info that was provided was not my phone number or email used when applying for credit card. 
The charges show payments to card company In astronomical amounts. 
Please help me because I am not able to receive funding for my business or dental funding because of this discrepancy. 
Its completely ruined my life and livelihood. 
I do not believe my account has been thoroughly investigated by XXXX, XXXX, XXXX, XXXX XXXX, The Bank XXXX XXXX  or XXXX issuing company.

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 2023-02-09
Company: Experian Information Solutions Inc.
State: IL
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 disputed this account with XXXX XXXX with the CFPB back in XXXX and they told me via the cfpb that they requested this account be removed in 60 days, but its XXXX and it is still reporting!

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 2023-09-27
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: IL
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 am writing this letter to urgently bring attention to the fraudulent personal information linked to my identity. I noticed certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. Regrettably, I have become a victim of identity theft and have taken immediate action by reporting the incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: Capio Partners, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
As in a previous COMPLAINT SUBMITTED ON XX/XX/2022 is sending me a bill " owed '', again, to XXXX  XXXX   ( from XXXX XXXX in XXXX XXXX, TX. ). Once more, I have no knowledge of such debt. Whatever I did owed them, I always paid in full. I have not received any letters or invoices from XXXX XXXX. Again, CAPIO Partners and XXXX XXXX  do not provide information about the original invoice, or the services provided. This harassment causes me anxiety and stress. I always pay my bills on time and try my best to keep a good credit score. I desperately need your help to investigate these two companies and the fraudulent bills they create. How many people pay them because of fear and stress?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-22
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX 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.

Please see above LAW, this isn't a request to verify this is the law that clearly states that I have the right not to have companies report to my credit without a WRITTEN REQUEST FROM ME, which at no time have I ever given WRITTEN PERMISSION.

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 2019-09-17
Company: JPMORGAN CHASE & CO.
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: Problem with personal statement of dispute

Complaint:
XXXX XXXX CEO of Chase Bank has been notified that Chase Band and three of its reps with phone numbers ID, then personal IDS have notified the XXXX XXXX Police Department, XXXX XXXX, NY XXXX, information available only to me or my Doctor under HIPPA Law. The rep was identified and the phone number was identified as belonging to the fraud department and ID theft I have been pursuing for one year. 

It contained information that does not appear in my HIPPA file and has been verified that Chase Bank was the caller, identified positively and broke the HIPPA Laws in entirety. The police asked questions loudly on my porch and lawn, was 10 and 1/2 hours  after an email was rectified and not only filed a false police report but a federal report all felonies. 

Two days later, Chase Bank as reported to XXXX XXXX, CEO of  Chase bank that another employee reported false information to a federal agency whose help I depend on and reported to XXXX false information as real from a HIPPA file which it doesnt contain. One day later, a thrive false report was submitted to Adult Protection Services, another federal agency which was not in my HIPPA report, lies and made up causing to federal workers to  show up on my doorstep with false HIPPA information, illegal to read, illegal to report as fact, lies. These are all Federal charges with multiple felonies, Extremely high fines and federal sentences for XXXX XXXX CEO of Chase Bank for obtaining, reading, co-operating with the calls of filling a false police report on federal matter, co-operating with the same penalties and lies to XXXX and co-operation with filing a false report to a federal agency, XXXX. XXXX XXXX, CEO of Chase Bank also filed a false report, has possession of my HIPPA files and has lied to another Federal Agency, Adult Protection Agency which are lies because I have been fighting Chase and five other banks that my ID was stolen, denying all as fraud and constantly across five banks and three reporting agencies has been held down and suppress even though I supplied where to find him, where his buiness and everything I uncovered which has been ignored or worse not acted upon by all 11 agencies, bands, credit card fraud, ATM cash fraud, police report filed, FTC filed, Consumer Reports filed and nothing has been done. XXXX XXXX was my tax attorney, his words, tax preparer who filed my 2018 tax claims in XXXX of 2018, charging my cards with fees, payments, fines, fees for XXXX   Advisors, two locations he managers, still is preparing taxes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Today at XXXX XXXX, we contacted XXXX. We've been waiting for over 2 months. To be able to see our score online so that we may be able to also look at any discrepancies on. Are credit file apple facts will not despite us uploading a lease to them, allow us to see our scores. We were told by the first person of a month ago that we would be able to see our score the following day. When the following day came, we were not able to see our scores. And we did a week to call in again. Since folk two, another representative who told us that we needed to upload proof of registered sea, so we sent over our lease. Weeks later, we continue to have the issue and contacted someone on today. 
They relayed the information and the address. XXXX facts and XXXX will would not unlock our files, so they we could see it.

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 2023-09-27
Company: National Credit Systems,Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: Experian Information Solutions Inc.
State: PA
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 checked again my credit report and found that some of the data were still incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 non-monetary relief
Consumer complaint received 2023-01-20
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
The following inquires were not approved via the contact listed on my credit report. I am a victim of continuous Identity theft. My personal information was compromised and is listed on unsolicited sites. 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 response to consumer: Closed with explanation
Consumer complaint received 2020-08-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
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 have a loan with XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX, and BANK OF AMERICA. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX, and BANK OF AMERICA with no successful resolution. There was definitely an error on their part.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13
Company: EQUIFAX, 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 settled a debt with XXXX XXXX in XX/XX/XXXX with the original debtor being XXXX XXXXXXXX XXXX. XXXX XXXX agreed after the settlement to remove their trade line, which they did. XXXX XXXX XXXX is still reporting the account late, but closed. I shows closed and charged off in XX/XX/XXXX, however, it is reporting late on my credit bureaus reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have contacted Midland Credit Management multiple times about fraudulent debts they are saying I owe to them. They send me a jumble of credit card statements that have no proof of my ownership of the debt beyond my name and address. When I ask them for signed documents to prove the validity of the debt I never hear from them again until they file a small claims suits against me in XXXX XXXX XXXX court. I am attaching my last correspondence with them from XXXX of XXXX that they never replied to.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: Convergent Resources, Inc.
State: TX
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:
Convergent Outsourcing ( CO ) is a debt collector for XXXX XXXX ( XXXX ). CO has information on my credit report as an unpaid debt with XXXX. On XX/XX/, I paid the debt with XXXX to XXXX  on their website and received confirmation of the payment in full. I have sent multiple emails and have disputed the entry for CO multiple times on my credit report however, CO is not responding to my emails and CO reports that the information is accurate on my credit report - even though it is not accurate. I finally received a statement from CO on XX/XX/XXXX  showing the account as paid off however a dispute I had filed to have the information removed was closed on XX/XX/XXXX  stating CO says the account is still not paid off.

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 2023-05-05
Company: CITIBANK, N.A.
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
I started a refinance on my commercial party back in XX/XX/XXXX. I signed the refinance in XX/XX/XXXX. The lender is Citibank and I primarily dealt with XXXX XXXX. I wanted a 3 year prepayment penalty ( from the 5 year ) and XXXX got the approval. On the day of signed the loan documents, I noticed the note mentioned 5 year prepayment penalty and told XXXX about it. He told me he would get a 3 year prepayment document to me to sign later on. I also found it very odd that XXXX knew of the notary and the notary 's colleagues on a first name basis. The whole signing felt pressured for me to sign and just move on and not read the documents. The notary did XXXX explanations. 

Moving forward, the signing was on XX/XX/XXXX. I messaged XXXX about a month later in XXXX about the 3 year prepayment and he replied back, " Working on it. '' I did not hear anything and in XXXX I asked him again but he seems to be ignoring my messages now.

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 2019-03-31
Company: MARINER FINANCE, LLC
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
On XX/XX/XXXX this company contacted my place of employment and left a message on a co-workers phone. I feel that this is a violation of my privacy. First of all if they were to continue calling this person that person would have to start to wonder what's up. 

I have as of today XX/XX/XXXX. Left them a message to no longer call my place of employment. 

This debt is now being negotiated by XXXX XXXX. 

I had tried to make good on the payments and am now unable to do so hence why XXXX XXXX was contacted. 

They contacted all of the companies put into the program but Mariner Finance is the only one who called my employer and left the voicemail. 

XXXX gave me a safe number to change as my contact info. I did this for all the creditors but Mariner Finance is the only one ignoring it. 

I know original creditors have some leniency but in the case of leaving a message on someone else 's voicemail at work is or at least should be a violation regardless of what the message said.

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 2022-01-24
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:
I NOTICE ALOT OF HARD INQUIRES ON MY CREDIT REPORT THAT I DID NOT AUTHORIZE I RECENTLY GOT A POLICE REPORT IM GOING TO ATTACH IT TO MY CLAIM XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXE IN 05/3XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX BANK XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation