BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-17
Company: ADP Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I lost my card XX/XX/23 and requested a new one from that day ADP wisely said I should receive the card within 10 business days WHICH I NEVER DID RECEIVE. So to start from XX/XX/23 to XX/XX/23 I had about {$7500.00} taken out of my debit card with over 35 transactions in those days and my company wisely ADP did not stop or detect any fraud. I called them and disputed all those transactions in which they made me fill out paperwork and send it back to them. I sent them as well a letter we received from the United States postal inspection service stating that mail was stolen from our facility and to lock our accounts and to call credit unions since it was stolen. ADP WISELY sent a letter in the mail with a final resolution on the case with NO detail information on why they denied the claim as well as no reason or proof why they declined it. I called the dispute departments and they would not help me or have any information and would place me on hold then abruptly the call would hang up. I even gave them my call back number and they did not reach out to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX charges from XXXX XXXX  XXXX Texas were posted on my account. On XX/XX/XXXX is when I noticed I lost my debit card. I called Wells Fargo to let them know of the situation and they canceled the lost card. The morning of the XXXX I went and withdrew {$100.00} from an atm with the actual debit card and later that night I made another withdrawal of {$120.00} by way of digital wallet, because I noticed I didn't have my debit card anymore. So between both those atm withdrawals is when all the unauthorized charges at XXXX XXXX were made. Now with the new debit card I received to replace my lost one is now canceled completely for a year. I've called to find out why but they gave me no explanation on why I can't use my debit card.

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 2022-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my transunion consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

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 2022-04-09
Company: Sequium Asset Solutions, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
A number of years ago XXXX XXXX launched a program whereby employees could sign up for " business '' internet connectivity at their home, through XXXX XXXX. We signed up, though apparently few employees did. I was working in XXXX 's XXXX office, not at home ; this predated covid. 

We used this account for years, paying every month. We never missed a payment, were never late on a payment. XXXX is internally so confused about the whole mix of " business '' and " XXXX  '' that it was, and still is, impossible to get any information from them. To this day we can not sign up for a XXXX XXXX home account because they claim that our ordinary suburban home is " a business address. '' As if they know and we don't. Neither XXXX XXXX nor XXXX XXXX seems able to figure this out because the XXXX program disappeared long ago. 

We eventually closed our Internet account, but kept the landline for an extra year or so. We still paid monthly. On every monthly printed statement, many of which we still have, it is clear that we paid the prior balance ; there are details of partial month charges, state sales tax, " voice XXXX fee '' of {$.00}. We paid them all. 

Much later, XXXX sent us a bill for {$3000.00}, for who-knows-what. We sent back their modems, we disconnected their phone lines, we can not find any accounting of what service they claim we owe them for. We have had XXXX fiber for years now. 

XXXX keeps sending this account to collection agencies. The prior collection agency had a way to say " we contest this bill ; we owe nothing. '' The new collection agency, Sequium Asset Solutions , LLC offers no such possibility. 

We don't owe anybody anything. And XXXX has never indicated just exactly what they think we owe {$3000.00} for. That would be for years of service. Are we supposed to believe they just ignored our supposed lack of payment month after month for years, never contacting us, building up a debt of thousands of dollars, and then suddenly they needed the money?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
STATUS The complaint was closed on XX/XX/2023 The CFPB closed this complaint because it has already processed your earlier complaints about this problem. You closed the report as usual and DID SQUAT! HOW PITIFUL!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09
Company: EQUIFAX, INC.
State: MO
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 XXXX  Accounts # XXXX, 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18
Company: JPMORGAN CHASE & CO.
State: PA
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:
During travels in the country of XXXX, a charge in the amount of XXXX was applied to my Chase credit card by a company listed as XXXXXXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX. 
It is a fraudulent transaction that I never authorized, approved or signed for. 
In addition, I have never done business with this particular merchant. 
Upon return to the country, I immediately disputed this charge on my statement to Chase on XX/XX/XXXX. 
I did not receive a response from Chase regarding this dispute until XX/XX/XXXX when they notified me, in written notice, that they were denying my claim. 
Upon subsequent phone calls to the fraud dept. of Chase, I provided proof of my location ( as requested ) on that date of XX/XX/XXXX and that I could not have made this purchase. 
All to no avail, as Chase has rejected this evidence that I have provided to the contrary and any attempt at a resolution in my favor. 
I have other documents and statements pertaining to this time period and dispute, available upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: SC
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
My loan was recently transferred from XXXX XXXX  to carrington mortgage. Yesterday i made my first payment to carrington. They  charge a {$5.00} fee to pay online, and {$10.00} to pay by phone. XXXX did not charge me to make mortgage payments online. Can carrington legally do this? Their services and reputation are apparently sub par to XXXX. I feel like I'm being punished by having had my mortgage transferred. Carrington was not helpful in their online chat nor on the phone, after approx 30 minutes of hold time to reach them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/XXXX I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. 
I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. Court, ( CD California 2014 ) ; you may be liable for violating the Fair Credit Reporting Act ( FCRA ) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of discharged accounts.

I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof of alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature. 
XXXX XXXX In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.

I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14,1995 ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated.

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 2023-01-22
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I may be eligible for the complaint for collecting funds from our account due to overdraft or low fees funds

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 2020-03-25
Company: ID Analytics, Inc.
State: PA
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 have no clue who SageStream is and their inaccurately reporting my credit score to companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: KEYCORP
State: FL
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 have unauthorized credit inquires on my credit reports for XXXX and XXXX. I called both bureaus as and creditors and they said to file report with FTC and the FTC directed me to CFPB. consumer protection 15 USC 1682 ( b ). Please remove immediately! These are fraudulent XXXX inquiries XXXX XXXX XX/XX/2023 Key Bank N.A. XX/XX/2023 XactusXX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-09
Company: Incomm Holdings Inc.
State: MI
Product: Credit card or 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 received a Visa vanilla gift card with {$200.00} loaded on it as a gift in XX/XX/2021. I tried to use it today and it was declined. When I called the number on the back of the card I was informed that there were three transactions on the card, all dated in XXXX, 2021, all transactions were made in XXXX, CA. 
I did not make any purchase with this card as I had left card in the original packaging until today.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: Experian Information Solutions 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:
There are UNAUTHORIZED and FRAUDULENT inquiries on my credit report ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN BUSINESS CRED XXXX XXXX. I am not the one who initiated these inquiries. I am submitting a complaint regarding these inquiries and for assistance to REMOVE them from my credit report immediately.

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 2018-02-20
Company: REGIONS FINANCIAL CORPORATION
State: FL
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:
Sent Regions Bank XX/XX/XXXX informing them that my ex-husband XXXX XXXX filed bankruptcy XX/XX/XXXX furthermore the court has entered an order of discharge releasing him from all debts. Nevertheless, Regions placed debit on all three credit reports. I requested them to remove debit from my credit file per bankruptcy on XXXX XXXX credit file original account holder. Contacted all three credit reporting companies XX/XX/XXXX and XX/XX/XXXX to file disputes, however they did not remove item from my credit report.

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 2023-11-30
Company: Experian Information Solutions Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I hope this letter finds you well. I am writing to address a matter pertaining to my credit report, specifically regarding late payments associated with my account. I understand the importance of maintaining an accurate and up-to-date credit history. I am writing to request the removal or updating of these late payments on my credit report. I believe that these entries do not accurately reflect my overall creditworthiness. 
XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I have taken proactive measures to rectify the situation and ensure timely payments in the future. I value my financial responsibility and the importance of a positive credit history. As such, I kindly request that the late payments associated with my account be either removed or updated to accurately reflect the current status.

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 2023-11-30
Company: Experian Information Solutions Inc.
State: GA
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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 2023-11-29
Company: Experian Information Solutions Inc.
State: NJ
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2023-11-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Have address 's tht I've nvr lived vehicles a home loan I know nothing about someone's ss number on credit report all false credit score impacted data breaches

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25
Company: Mr. Cooper Group Inc.
State: RI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Im currently forced out of work due to COVID-19 I reached out to my mortgage services Mr. Cooper Loans to inquire about what options I might have because I have no return to work date at the moment and Im self employed so Im not reviewing a paycheck. The only option I was given was a forbearance with ALL payments due in one lump sum plus the current month upon ending of the forbearance. That makes zero sense because if Im legally not allowed to work and I go back at the end of the forbearance I would NOT be able to pay 4 months worth of mortgage payments in ONE lump sum. That was the only option given to me, not really an option at all if you ask me. This is a national crisis and Mr. Cooper loans are NOT offering anything remotely helpful to keep people from losing their homes. And after waiting on hold for 2 hours ( which I completely understand given the state of the us ) the woman helping me said her computer froZe and she would have to call me back. Ill let you take a guess on if I ever got a call back

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief