BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
I have asked them numerous times to stop calling my place of employment. They are calling numerous times a day and telling co-workers that they need to speak to me about a very personal debt issue. They have been asked by my supervisor NOT to call here but they continue to call.They are also calling me at XXXX and up to XXXX and they call in upwards of 10-15 times a day. I may lose my job if it continues.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-26
Company: REGIONS FINANCIAL CORPORATION
State: AR
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
My Regions NOW prepaid card has been closed and I still haven't received my remaining funds on my account.

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 2019-12-13
Company: WELLS FARGO & COMPANY
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/2019, I had filed a CFPB Complaint ( # XXXX ) against Wells Fargo in what I felt was harassment and lies to give themselves an opportunity to deny me of any mortgage assistance. 
The original complaint was my frustration with Wells Fargo for fabricating the denial reasons for mortgage assistance. They had claimed that I never provided any documents to verify my income. This was a lie. I provided them. They did respond to this first complaint and I was put back in review as of XX/XX/XXXX. They stated that they would conclude my review in 10 days. We are now into XXXX and nothing has been resolved. They have stalled and stalled and stalled. 
On XX/XX/XXXX, they requested my lease agreements to be notarized with myself and the tenant present. I provided this to them 4 days later. On XXXX, they stated that the notary seals are not legitimate and that the notaries were not either. They insisted that I get new notary seals and that I can not use the same notary. The notaries are NOT questionable. One works for the state and the other for my Federal Credit union. How are they not legitimate? 
On XX/XX/XXXX, Wells Fargos underwriter who has been causing problems notated that he/she feels that none of my notarized documents are valid because the notary, myself and the tenant were not present. How can this underwriter make such a claim??? They were not present at the signings! This is ludicrous and again another fabrication. In order to find out why this underwriter is making such a claim and giving such a hard time, I tried to have a conference call to inquire about this. The answer I was given to this request was the underwriter has opted out because they have requested the information that is needed. 
So now, I am once again at a standstill. At this time, Wells Fargo and this underwriter are causing a diversion by coming up with another lie to distract from the real problem. My review and why they are not giving me a fair one. I want Wells Fargo to stop this game and I want this underwriter to be held accountable for the problems that I have been caused. I DID PROVIDE THE RELEVANT DOCUMENTS TO VERIFY MY INCOME AND MY NOTARIES ARE LEGITIMATE. MY TENANT, THE NOTARY AND I WERE ALL PRESENT AT SIGNING. Please help me with this. Why are they doing this to me?

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 2021-04-16
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: Credit inquiries on your report that you don't recognize

Complaint:
I contacted Equifax to dispute unauthorized inquiries on my credit report. Equifax states that the creditors that made the inquiries had permissible reason to access my credit report. 
I understand this to be them offering services that either I desire or have reporting on my credit report currently.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02
Company: CITIZENS FINANCIAL GROUP, INC.
State: VA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I have a savings account wherein Citizens Bank randomly started to take money out in the form of monthly fees so that my savings account actually got smaller rather than larger, and over the years has dwindled to nothing. They also cut the interest rate being paid to way below what they were paying even though interest rates have gone up significantly! I dont know how many years it has been going on as they only have been able or willing to see back 18 months. My account went from hundreds of dollars to {$5.00}!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Account Name : XXXX Account # : XXXX After initial dispute of this unknown account, my issue was not resolved. One Bureau stated there was no validation to this account and deleted it while the other two stated it was verified as accurate. I never received the method of verification after asking. The same account reporting with the two bureaus after supposedly verifying it as accurate is reporting with two different contact addresses and creditor names for the same account. Also on both reports they are reporting different dates for last date active, last payment date, and date opened. Also these collection accounts are reporting as OPEN and even reporting as LATE BY 120 DAYS. As in my initial dispute, I have no knowledge of these accounts, therefore no contract with this creditor. So how is a collection account reporting as open AND as LATE BY 120 DAYS. How was this even verified as accurate. It is also stating account not disputed but then a few lines down says account disputed, meets FCRA standards Since I could not receive the inital method of validation to these inaccurate reportings being allowed, I am asking for an IMMEDIATE REINVESTIGATION.

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 2021-04-17
Company: Experian Information Solutions 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 spoke with XXXX at Experian on XX/XX/XXXX about a unauthorizes account that appears on my credit report, I request the following to be delete and removed off my Experian credit report : " XXXX XXXX XXXX " account # XXXX open on XX/XX/XXXX in the amount off {$390.00}. I did not authorize any of ths account. I am requesting that the above unauthorized account be removed immediately from my XXXX  credit report due to my identity been stolen.

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 2023-05-03
Company: EQUIFAX, INC.
State: NV
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:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX SS XXXX XXXX XXXX NOTICE " I AM NOT AN ATTORNEY NOR AM I A THIRD PARTY! '' I am filing a CFPB COMPLAINT BECAUSE IT IS MY LEGAL RIGHT TO DO SO!!! 
I was recently WAS OUT OF THE COUNTRY. I just now have got back to work. I discovered that my credit file has over 2 inquires for transactions that were never authorized by me. I have only ALLY FINANCIAL as my only business dealings. I would never run my credit 2 times that is insane and unnecessary. Please delete the following inquires Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681b et seq. ) I never made these inquires : XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX I am not sure who approve this or even made these inquires. This is the 2nd time I have complained about this account on my credit report it is not accurate and was never verified according to the FCRA guidelines 623,611

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 2023-09-03
Company: ENCORE CAPITAL GROUP INC.
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Midland credit management sold my XXXX  XXXX debt to another company after I submitted the complaint with you just recieved the letter in the mail saying they sold the debt which I was disputing because they knew they lied and couldn't prove I owe this debt it should never been sold just deleted through all 3 credit bureau

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
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: Information belongs to someone else

Complaint:
I am in the process of purchasing a new vehicle and in doing so I had to pull my credit reports and found there were multiple accounts that are inaccurate and should not be on my credit report. I understand mistakes happen but this needs to be fixed expeditiously because these accounts are damaging to my credit report and I dont have the luxury to just wait around and let the problem fix itself by your agency. Under 15 U.S. Code 1681e ( b ) ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I know that under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : XXXX XXXX XXXX XXXX XXXXXXXX... 
XXXX XXXX XXXX XXXX XXXXXXXX... 
DEPT. OF EDUCATION/XXXX XXXX XXXXXXXX... 
DEPT. OF EDUCATION/XXXX XXXX XXXXXXXX... 
DEPT. OF EDUCATION/XXXX XXXX XXXXXXXX... 
DEPT. OF EDUCATION/XXXX XXXX XXXX. 
XXXX - XXXX... 
XXXX XXXX XXXX  XXXX... 



I have attached a copy of my ID for identity verification and a bill for address verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10
Company: Amsher Collection Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I owed XXXX XXXX XXXX $ but I paid this debt directly to XXXX XXXX at their store but the collection company is still trying to collect this debt. Its hurting my XXXX XXXX and i need to take it off immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
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: Reporting company used your report improperly

Complaint:
Explained to Equifax through several disputes online and by mail, last sent XX/XX/2022 that many derogatory accounts such as chare-offs can not be reported if the Original Creditor charged off the debt but I did not receive a 1099c to recoup any finances. Thus indicating their removal from my profile. Also indicated that neither Equifax nor XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX which all identify as charge-off accounts. Equifax was also notified about the fraudulent use of my name in various ways, addresses that I have never lived, and other fraudulent use of my profile in which they furnished without my consent and verified without my consent. Equifax has fraudulently assumed the role in my trust and personal identity against my will and acknowledgement and still continues to furnish such derogatory information against my written, oral, and otherwise requests to delete such information which has been a hindrance on my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: EQUIFAX, INC.
State: OH
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 name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: EQUIFAX, 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:
This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$3400.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$4100.00} XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$1000.00} XXXX  ( XXXX Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$3400.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$4100.00} XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXXXXXX Balance XXXX {$1000.00} XXXX ( XXXX Creditor XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$3400.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance XXXX {$4100.00} XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
Company: JPMORGAN CHASE & CO.
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:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT This is about XXXX XXXX XXXX entered with your Company dated XX/XX/2021 and I extended your organization the credit for the account no. XXXX XXXX XXXX XXXX I hereby give your Company notice pursuant to 15 USC 1602 ( k ) that your Company never provided an adequate notice which clearly & conspicuously mentions the pertinent facts of this transaction. Your Company didn't even inform about the Cost of Credit and the only evidence of the indebtedness was just a computer-generated agreement.

According to 15 USC 1602 ( k ), the term " adequate notice '' means a printed notice to a cardholder which sets forth the pertinent facts clearly and conspicuously so that a person against whom it is to operate could reasonably be expected to have noticed it and understood its meaning. Such notice may be given to a cardholder by printing the notice on any credit card, or on each periodic statement of account, issued to the cardholder, or by any other means reasonably assuring the receipt thereof by the cardholder.

Since adequate notice was not given as per the above-mentioned section, I couldn't understand its meaning which is a violation under 15 USC 1602 ( k ).

Further, pursuant to 15 USC 1601 ( a ) a consumer must be aware of the cost of transaction. Since I was not aware of the transaction therefore made an uninformed decision and it resulted in multiple billing errors, and unfair credit card practices.

From your end, I have not benefited from this transaction which is again violation of 15 USC 1602 ( p ).

According to 15 USC 1602 ( p ), The term " unauthorized use '' means a use of a credit card by a person other than the cardholder who does not have actual, implied or apparent authority for such use and from Which the cardholder receives no benefit.

I hereby request you to do the below-mentioned things ; Update my account to paid as agreed and remove it off collections If you accept my request, I will not escalate this matter to Federal Court . In case, you don't accept the above requests, a legal action shall be taken against your Company for compensatory damages.

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-28
Company: EQUIFAX, INC.
State: PA
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:
To Whom This May Concern : Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX I am a victim of an Equifax Breach ( see attachment ) and here is the proof. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. My information was impacted, and they refuse to remove the information by the Equifax Breach ( see attachment ). All 3 credit bureaus Equifax, XXXX and XXXX needs to remove this negative information as I was a victim of this data breach. 

XXXX XXXX XXXX and XXXX XXXX XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act and send the required notifications to all furnishers with this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I'm in the process of trying to buy a house and realized I had damages on my credit report. I mailed out letters to the credit bureau ( Experian ) due to inaccurate information being reported to my credit report. According to 15 U.S.Code 1681 there should not be any damages on my report as its defamation of my character.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
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:
In according to 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 XXXX 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 XXXXXXXX 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.

15 U.S.C. 168c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following 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 a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation