BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-31
Company: Experian Information Solutions Inc.
State: NC
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:
These collection accounts being furnished and reported by XXXX XXXX XXXX are hereby reported as fraudulent accounts to the FTC and the NC Department of Justice XXXX XXXX XXXX XXXX. 

XXXX XXXX XXXX are fraudulent and have been actively furnished unlawfully by XXXX XXXX XXXX. 

Remove immediately! 

The collections accounts being reported to the credit bureaus, after XXXX plus disputes, and laws violated against me were never investigated properly nor were the accounts ever validated properly even when an attempt of validation was sent to me XXXX years after the credit bureaus unlawfully allowed these collections to stay on my credit files even after XXXX plus complaints filed with you and over XXXX complaints to the CFPB in numerous times asking for validation of these collections and a statement of what services that I had allegedly received in 2017 to warrant these claims by XXXX XXXX XXXX giving you all as a whole numerous times to take take appropriate action per XXXX laws and state laws and i continue to contend i have no knowledge of these XXXX debts that this rogue lawless collection agency has furnished derogatory information and never once after XXXX plus companions properly or successfully provided any documentation to me that is required by law and have put themselves in great legal peril because their actions have been unlawful and the XXXX, XXXX, and Experian will be held legally accountable once I have my day in court with this out of control collection agency that has demonstrated deception trade practices at a whole new high according to law enforcement officials i have spoken to. 

Furthermore, these XXXX collections are unlawful and you all are liable for your actions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
my income was lost due to Covid-19 ... .. the mortgage company put me in the forbearance. program ... I year later i was told my loan does not qualify for any type of forbearance. 
My property is in XXXX XXXX NV - city that was hit the hardest- I have filled many mortgage assiistance application only to to be denied. Im Working now requesting assistance and still having problems with my mortgage co. I have owned my home for 25 years.. what happen to HELP.. NO ASK FOR A PANDEMIC ... folks are losing their homes and its not fair ... 
My complaint is with Carrington Mortgage!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: NCB Management Services Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

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 2022-05-18
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account XXXX and XXXX XXXX XXXX account # 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: Genesis FS Card Services, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In the past couple of months, someone opened 7 accounts under my name using my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-01
Company: CITIBANK, N.A.
State: TX
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:
UNFAIR OR DECEPTIVE ACT OR PRACTICE BY BESTBUY On XXXX, I placed a call to BestBuy Card services to verify if me requesting a credit line increase will result to a hard or soft pull. On that day I spoke with BestBuy Card services Staff XXXX XXXX with XXXX ID # XXXX. I asked XXXX XXXX twice if requesting for credit line increase will result to a hard inquiry on my credit report and twice, she said no it will not. I told her that I am not consenting to any hard inquiry on my credit report and will not request for the credit line increase if it's going to result to a hard pull and she again assured me that it will not result to hard pull. XXXX XXXX was so Deceptive in her dealing with me on that day because i found out that she lied to me. Later that same day, I noticed an unauthorized had inquiry in my XXXX report. 

I would like to request that this unauthorized hard inquiry in my XXXX report by BestBuy and Citi Card NA be immediately deleted from my XXXX report. Such Deceptive behavior by BestBuy XXXX XXXX XXXX with XXXX ID # XXXX is a violation of the Federal Trade Commission Act Section 5. 

Copy of FTC complaint filed attached

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 2023-05-21
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am currently in the process of reviewing my consumer reports and noticed many inaccuracies regarding Account XXXX XXXXXXXX including but not limited to, Account Status, Date Opened, Last Reported, Date Last Active, Date of Last Payment, as well as Payment History. 
15 U.S. Code 1681e - Compliance procedures states : 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. 
Please investigate and provide proof that the consumer reporting agencies were in compliance with this matter. Please delete for the consumer report for violating compliance procedures. 
Thank you in handling this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-10
Company: BARCLAYS BANK DELAWARE
State: CO
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/2022, my Frontier Mastercard was stolen, along with my purse, ID, car keys, and four other unrelated credit cards. The defendant then used my card fraudulently to make the following purchases : {$89.00} at XXXX XXXX XXXX {$410.00} at XXXX XXXX {$210.00} at XXXX XXXX This card was reported stolen on XX/XX/2022, and these charges were disputed. The card was closed, and a new card was issued. Originally credited back to me, these fraudulent charges again appeared as transactions on my new card on XX/XX/2022. In speaking with XXXX from the Fraud Investigation Department on XX/XX/2022, I was informed that more evidence was needed to support my claim of fraudulence and that the investigation was closed and a police report submission was required to re-open the investigation. Not once was I contacted to let me know this was the case, after I offered the police report number during my first conversation regarding these fraudulent charges. Since the case was active and the defendant undergoing trial, the CO District 18 D.A. 's office was unable to provide a redacted police report until XX/XX/2022. The report, along with a dispute letter, was faxed to the Barclays Fraud Investigation Department XX/XX/2022 and the investigation reopened on XX/XX/XXXX. When I spoke with XXXX on XX/XX/2022, I was informed the investigation was again closed on XX/XX/2022. However, no communication regarding the results of that investigation has been provided, and I continue to receive harassing collections phone calls, accrue fees and interest on the fraudulent charges, and negative reporting to the credit bureaus.

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 2023-07-12
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I am sincerely pleading with you to remove this entry from my credit report as it is not mine and is completely fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness. I implore you to conduct a thorough investigation and take prompt action to rectify this error. Please remove this inaccurate information from my credit profile 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 2022-12-05
Company: Experian Information Solutions Inc.
State: OH
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:
In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : ONLINE INFORMATION S Original creditor : XXXXXXXX XXXX XXXX XXXX - Acct # XXXX XXXX - Acct # XXXX XXXX  Original creditor : XXXX XXXX XXXX  - Acct # XXXX XXXX XXXX XXXX - Acct # 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 2023-10-21
Company: Blitt and Gaines, P.C.
State: IL
Product: Debt or credit management
Sub-product: Debt settlement
Issue: Unauthorized withdrawals or charges

Complaint:
I ve been fighting a fraud case thru XXXX XXXX XXXX  about these charges I didn't make. And now I look at my check and they are garnishing my wages for something I didn't do and with no notification. That's not fair to me and they refuse to take it off. My mail has been bad for a very long time and we don't receive most of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: Experian Information Solutions Inc.
State: GA
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:
The items listed below are reporting on my personal credit file and were found in my reports with Experian credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the items removed from my XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$17000.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed XXXX {$10000.00} ; XXXX XXXX XXXX XXXX XXXX Balance Owed XXXX {$0.00} ; XXXX XXXX XXXX XXXX Owed : {$670.00} ; XXXX XXXX XXXX Owed : {$1000.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX Date XXXX : XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2023-05-09
Company: Navient Solutions, LLC.
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 information incorrect

Complaint:
This is a violation of 15 U.S. code 1681i ( 5 ) Removal of inaccurate/invalidated credit information. Please remove immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: Convergent Resources, Inc.
State: TX
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 Convergent Account # XXXX, has violated my rights. 
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 couldnt furnish a account without my written instructions.

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

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 2022-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate. I waited 30 days and received my investigation and notice everything was still the same. The consumer reporting agencies which are : XXXX, XXXX, and Transunion; did not modify or removed anything. I asked for the description of the investigation according to 15 USC 1681i. I still didnt receive anything. Per the FCRA they have violated my federal rights under the following laws : 15 USC 1681a ( 2 ) ( i ) report containing information solely as to transactions or experiences between the consumer ( an individual ). and the person ( any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity ). making the report ; 15usc 1666b which states : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 15USC 6802 ( a ) ( b ) ( c ) ( a ) NOTICE REQUIREMENTS Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) OPT OUT ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

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 2023-10-21
Company: JPMORGAN CHASE & CO.
State: IN
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:
I just noticed a hard credit inquiry from Chase Bank on XXXX XXXX XXXX There was no direct benefit or authorization for Chase Bank to access my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-09
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Charged way to many over draft fees

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 2022-02-04
Company: Experian Information Solutions Inc.
State: PA
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:
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/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/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 2023-12-11
Company: EQUIFAX, INC.
State: NJ
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 just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XX/XX/2022 XXXX XX/XX/20XXXX XXXX XXXXXX/XX/2022 XXXX XX/XX/2022

Company response to consumer: In progress
Consumer complaint received 2023-09-29
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I am completely frustrated at this point. Few months back I bought this prepaid American Express gift card. Till date, this card has been declined at least 4 times. I have tried using it at XXXX, XXXX XXXX, XXXX, and XXXX. This card absolutely will not go through and I am unable to make ANY purchases at all with this card. 

Whenever I call customer service, all they say is that I should try using this again. They blatantly refuse to believe that there is something wrong with the card and that it doesn't work anywhere. This is blatant consumer abuse.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-01
Company: Self Financial Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
I opened a self financial credit builder account to improve my credit which was entirely voluntarily I Was told I may cancel at any time and even though I canceled service I am still receiving negative developmentary remarks on my credit report stating that myself payment is late this is untrue and self credit repair did not give me any loan at any time II paid paid {$25.00} a month so that way So financial may report on my credit report positive payment history but no way save fashionable form that I receive any monetary game is the monitory game from self financial and the reports to my credit report os wrong illegal and unjust

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I had an unauthorized charged of XXXX by a hotel and I didnt authorized this transaction. I have disputed twice and they have reversed the credits and took it back from my account. The refused to give me on the unauthorized transaction. I had called the the second time said sorry my mistake we will credit that to you and the just took it on the XXXX of XXXX, 2023. Wells Fargo is the name of the institution. I have never filed a dispute with them and they dont believe me on this charge. I feel helpless. Please help

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