BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-17
Company: Experian Information Solutions Inc.
State: TX
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account XXXX : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item 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 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 2023-04-21
Company: EQUIFAX, INC.
State: AL
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:
Over the course of a year I have been unsuccessful even with valid documents getting the credit reporting agencies to block and remove fraudulent accounts as identity in USCS 15 1681C-2. Equifax does not abide by the FCRA Laws and are mis representing the laws as well as disregarding the Laws in removing fraudulent accounts, EQUIFAX AND XXXX ARE USING THERE POLICY 'S AND PROCEDURE INSTEAD OF What's In THE LAWS STATES, I FILED SEVERAL COMPLAINS, WITH XXXX, EQUIFAX NAMELY TO Block THESE FRAUD ACCOUNTS BUT WAS TOLD THAT MY POLICE REPORT AND IDENTITY THEFT AFFIDAVIT IS NOT VAILD AND I WAS REJECTED AID AND ASSISTANT BY BOTH REPORT AGENCIES. I ask that XXXX AND EQUIFAX HAVE Stiff FINES AND PENALTIES Imposed AS IDENTITY BY THE FCRA LAWS I HAVE ATTACHED ALL EXHIBITS TO THIS COMPLAIN TO REFLECT THE SAME IT A XXXX XXXX THAT I HAVE TO GO THROUGH THIS WHEN ITS CLEARLY STATED BY LAWS PLEASE THAT I ASK THAT XXXX AND EQUIFAX BE FINED INDEFINITELY PLEASE. Also tl not the only customer that's been done this way I'm not going for it at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09
Company: Experian Information Solutions 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:
My husband and I are trying to buy a house and today XX/XX/2020 the agent ran our credit to see how much we would qualify for ; I saw several accounts and inquiries that do not belong to me. The accounts and inquiries are from many different companies that I am not affiliated with in any way. I do not have any written or verbal contracts with any of those companies and I did not benefit anything from those accounts that were opened in my name without my permission such as money, goods, services or any other benefit nor did I ever make any payments towards any of those accounts. I did not allow any of those accounts to be opened in my name therefor I have filed a police report in regards to all these unauthorized accounts.

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 2023-11-07
Company: Experian Information Solutions Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid off a debt on XXXX XXXX XXXX XXXX XXXX XXXX XXXX for a total of XXXX. I pay off later was emailed to me. I sent this pay off letter and removal request/dispute to Experian via certified letter. My request was denied, reporting as still active.

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 2023-06-03
Company: Love, Beal & Nixon, P.C.
State: OK
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have called several times this past year trying to ask who the alleged debt is for why they are continuing to garnish my wages when I have paid $ XXXX but last notice I received had the total a tad over {$4000.00} they can not find my name or SSN in thier system. 
They stopped in XXXX last year and did not start garnishing until XXXX this year as to work the system and let more fees add up. 
No one can tell me who the alleged debt is for or an approximate amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05
Company: Experian Information Solutions Inc.
State: LA
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:
On XX/XX/XXXX I requested Experian investigated the XXXX XXXX  account ( account number XXXX ) that is reporting on my credit report. According to my credit report I received from Experian the account was last updated XX/XX/XXXX. This means that Experian did not conduct an investigation when I submitted my dispute. This is a violation of the FCRA.

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 2018-07-29
Company: CAPITAL ONE FINANCIAL CORPORATION
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 reached out to all three credit bureaus about multiple inquiries on my file from capital one 4 listed and XXXX XXXX and XXXX. I let them know that I have a alert that I must be called before issuing credit. I let them know that I have not been reached because number on file is incorrect and companies can not pull my file without notifying me. I asked companies directly about this and they always forward me to XXXX, XXXX or XXXX. ( Multiple calls ). I am sent back and forth and multiple calls with no appropriate help. I would like these inquiries off my credit report I feel like they should not run my credit without the proper permission. Please assist in helping me to remove these unauthorized inquiries

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This is the second time I've written to Portfolio Recovery Assoc!! I first reached out to this debt collector company XX/XX/2022 they never before ever wrote me about this so called debt before. I recently sent another certified mail XX/XX/2022 this is when I received numerous outdated paperwork to show as if they've been trying to reach out to me about this debt that is not mines!!! I've asked on two separate occasions to verify this debt they are claiming I owe with original signature on file not showing me the amount of the debt that I do called owed, they refused to acknowledge my request as you will see The documents I will upload again I'm requesting validation not verification of this so called debt! I only received this outdated letter because I open a report with the CFPB. THEY EVEN ADDRESS THE LETTER WITH THE CASE #!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-29
Company: Experian Information Solutions Inc.
State: KY
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 recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing these items removed. I demand the following accounts be properly verified or removed immediately.Inquiry : XXXX XXXX XXXX Date of Inquiry : XX/XX/2018 Inquiry : XXXX XXXXDate of Inquiry : XX/XX/2018 Inquiry : XXXX XXXX XXXXDate of Inquiry : XX/XX/2018 Inquiry : XXXX/XXXX XXXXDate of Inquiry : XX/XX/2018

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 2022-08-25
Company: Eastern Account Systems of Connecticut, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX I filled a dispute for An account that I didnt recognize that had a {$3600.00} Debt and it was hurrying my credit score dramatically the company Name goes by XXXX  XXXX XXXX Under Eastern Account System.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
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 Account # XXXX ( XXXX XXXX ), has violated my rights. 

1

5 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 an account without my written permissions and instructions.

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 2023-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.

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 2023-06-03
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Despite my multiple attempts, Chase Bank has consistently declined my requests to open a new account due to a supposed outstanding balance. This has become a perplexing issue, particularly because I have already contacted their Recovery Team and confirmed that there are no remaining debts under my name. Their representatives have assured me that I am indeed eligible to apply for a new account without any hindrances. This persistent discrepancy between the bank 's response and the recovery team 's assurances has left me feeling frustrated and unsure about how to proceed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03
Company: Credit Corp Solutions Inc.
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I keep getting a phone call from XXXX XXXX saying he's from Credit Corp Solutions. He has used illegal tactics, saying I need to pay this debt or he'll have no choice but to file legal actions against me. I complied and set up a {$100.00} payment, but then I was told by my uncle, who is a lawyer, that I shouldn't have until they sent me proof of debt ownership, which they did not. And they are not allowed by law to make a legal threat via phone, which he did. I have blocked this payment from being charged to my credit card. This company must be held accountable for using a scare tactic to pay this debt and not complying with the FDCPA. I want Consumer Financial Protection Bureau to have this company accountable for illegal debt collection practices. For any more threatening calls, my uncle is prepared to file a harassment suit against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05
Company: JPMORGAN CHASE & CO.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I had to close my account on XXXX XXXX when Chase locked me out and made uncalled fo demands to unlock. When I closed the account the promised me I would be sent a hard copy of my final statement which should have been {$66.00} and some change. I still have not gotten the hard copy of the statement and they sent me and email the other day with {$30.00} in fees and told me to log into my account. I am still locked out can't do that. On the phone they just insist I trust them and give them bank info over the phone without me seeing a final statement. Again I was promised a hard copy. I sent the a certified mail requesting a mailed hard copy and still nothing. I have never ever missed or been late on a payment to them and I am afraid because of their refusal to take prober care of this they are going to mess up my near XXXX credit score. If they will send me the statement for XXXX I have been begging for I will pay them the $ XXXX but I refuse to pay them over the phone or without a statement in hand. I feel I have a right to a final statement dated XX/XX/XXXX when my account did month end close. Not sure about anyone else but I do not just random pay a bill because someone said too.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-09
Company: Finance of America Holdings LLC
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
To Whom It May Concern : We initiated a mortgage application via XXXX. The lender we initially pursued the loan with was Lending.com ( aka Finance of America Mortgage, LLC ). 

XX/XX/2020 ; approximately XXXX XXXX  MDT : When I initially spoke with the Loan Officer, XXXX XXXX XXXX, the subject of title companies came up. He was quoting me approximately {$1800.00} for title costs. I specifically asked if we could choose a different title company because I thought it had been cheaper during our last refinance. Mr. XXXX clearly indicated that if we did not use a title company of the lenders choosing, they would not want to pursue the deal. He offered a reason that because of the ongoing COVID-19 pandemic, their preferred title companies would be most useful to facilitate remote closing. 

However, when viewing the initial loan disclosures, which I have saved, there is clearly a form for me to sign indicating that I can choose whichever title company I prefer. Furthermore, the form indicates that one of the lenders title companies shares 100 % common ownership with the lender. 

XX/XX/2020 : I reached out via email to Mr. XXXX because I wished to put him on the record and keep the correspondence in writing. At this point I wanted clarification and was not averse to still using his company for our loan purposes. However, and I saved the email thread, he tried to say that he specifically told me on the phone we could use a title company of our choosing. This was a blatant lie and It is my belief that he only changed his statements regarding title companies once I put him on the record by putting the correspondence in writing. 

I realize there is no way to prove the contents of our phone call. The best I can do is provide timely documentation of such things thus creating a time stamp. 

That being said, I did wish to go on the record and provide formal complaint of his dishonest practices. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific items 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX CA XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX Balance : {$2800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-03
Company: ENCORE CAPITAL GROUP INC.
State: OK
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have called several times this past year trying to ask who the alleged debt is for why they are continuing to garnish my wages when I have paid $ XXXX but last notice I received had the total a tad over {$4000.00} they can not find my name or SSN in thier system. 
They stopped in XXXX last year and did not start garnishing until XXXX this year as to work the system and let more fees add up. 
No one can tell me who the alleged debt is for or an approximate amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09
Company: Sequium Asset Solutions, LLC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a call from Sequium XXXX for a XXXX account a few months back. I believed it was fraud beacause I currently have XXXX in good standing. I advised the rep that account was not mine, I was disputing. Last week Sequium started reporting negative tradelines. I have already sent them a police report regarding ID theft. Also, disputed through XXXX. I am attempting to purchase a home and would like to get this resolved quickly. Due to Sequiums actions I was unable to close on the home last week.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX, around XXXX XXXX, I received email from Wells Fargo that they will close my checking and saving account on XX/XX/XXXX and those accounts were put in " locked '' status, meaning that I don't have access to my ~ {$35000.00} balance in my account for two weeks. The reason for closure in the email is " because of one or more money transfers to your account reported as unauthorized. " I received multiple XXXX transfers from my client in the account, and they are all authorized by my clients. 

I made multiple phone calls in the morning to Wells Fargo, including online customer service , fraud prevention contact center, loss prevention contact center, online claim contact center. They all don't know what's real reason for closing with my account and which transaction ( s ) are not authorized. They gave me a case ID XXXX. One lady from loss prevention contact center saying that there was a claim against my account and it happened and closed on XX/XX/XXXX. The claim number is XXXX. I opened the account on XX/XX/XXXX and by XX/XX/XXXX, I don't have any transactions. Another weird thing is that no one can tell me what is in the claim. 

Right now, first I would like to know which transaction ( s ) are not authorized. If there is no unauthorized transaction, then what's the reason for closing my account? Second I need to have access to my balance in 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 explanation
Consumer complaint received 2022-05-05
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:
NOTICE SOME ITEMS ON MY REPORT THAT DONT BELONG TO ME! IN THE PROCESS OF REMOVING ALL THESE ITMES. NOTICE THESE ITEMS IN THE BEGINNING OF XXXX!

Company response to consumer: Closed with explanation