BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-30
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX Balance : {$11000.00} ; XXXX XXXX XXXX Balance : {$14000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: Early Warning Services, LLC
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was selling furniture over XXXX in XXXX. This person became interested in purchasing the item for {$100.00} and wanted to send the money over Zelle. I accepted since I had used Zelle in the past. The person claimed that the system did not allow to send {$100.00} since the account was not business and that the minimum transfer be {$500.00}. So the person asked if he/she could send {$500.00} and that I can send the person {$400.00} as long as I can be trusted. I agreed and proceeded. Unfortunately I sent the person {$400.00} before receiving {$500.00}. I did not receive {$500.00} yet {$400.00} I sent went through. At that point I realized that I was scammed and could not stop the transaction since it takes place instantaneously. I filed complaint with my bank and Zelle but I do not think they care to resolve the issue and I lost {$400.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: Experian Information Solutions Inc.
State: OH
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: Investigation took more than 30 days

Complaint:
I have submitted disputes to you and I didn't get a response within 30 days and ya 'll are required by law to do so. Please investigate my disputes, please. Thank you.

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 2020-08-05
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I recently checked my credit because I want to buy a house and saw inaccuracies in my credit report with personal information. There is a name and 4 addresses that are inaccurate. On XX/XX/20, I mailed a letter to Equifax asking to please make these changes. They did not respond and also did not make any changes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: USCB, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This debt was for a XXXX co-pay. The original amount of the debt was {$270.00}. I was charged {$350.00} dollars by the collection agency when I paid the debt in full. They claimed it was interest but I was never notified that there was interest being collected for this medical debt. I told them this debt was owed due to hardship from XXXX XXXX loss of work.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: Experian Information Solutions Inc.
State: NJ
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, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15USC 1681. 
Company Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights! 
15 USC 1681 section 602 A. states, I have the right to privacy.

15 USC 1681 section 604 A, section 2. states, A Consumer reporting agency can not Furnish an account without my written instructions 15 USC 1681c. ( a ) ( 5 ) States, no consumer reporting agency may make any consumer report containing any of the following : Items of information, any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681 s-2 ( A ) ( 1 ), states, 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 errors or is inaccurate.

A

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 2021-05-12
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I XXXX XXXX, received information from PayPal Credit XXXX Synchrony Bank XXXX stating owe XXXX i contact them and told them I didn't owe the amount, please send me a invoice or a statement where I sign for the amount they did a Fraud investigation, and send me a letter that said. ( You authorized, participated in, or benefited from the purchase ) that's not was i requested. On XXXX XXXX i received statement from the credit bureau. With the purchase in my name. I keep telling them that's Fraud. Please remove my name. Thank you, 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 2018-05-09
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is a follow up to my last complaint as nothing has gotten resolved. CMS and their lawyers XXXX XXXX XXXX continue to ignore and or not communicate with my lawyer. To date they have accused myself and my ex husband of fraud, yet have not stated what kind of fraud or provided any proof to my lawyer or the court. Yet they have now closed my case, cont to ruin my credit and are going to take my house. Their rep did respond to my complaint but unfortunately did not bother to read it as seen in their response. I have since found out that their lawyers, XXXX XXXX XXXX are being accused of defrauding their clients, which is probably why we dont hear from them

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: TX
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:
XXXX I paid BMO Harris past due balance on XX/XX/2022 and XX/XX/2022. 

They keep leaving it as {$390.00} written off and not updating my payment history. 

I paid that written off balance. 

I have disputed 2x already

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 2018-05-09
Company: BBVA FINANCIAL CORPORATION
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 WAS CONTACTED BY THIS SAID COMPANY XXXX XXXX   AND THEY TOLD ME I COULD PAY A SMALL FEE AND TRAVEL BUT I DIDNT NEED TO PAY THEM ANY MONEY NOW JUST GIVE THEM A CARD # TO KEEP ON FILE TO LOCK IN MY DEAL. IT SOUNDED GOOD SO I AGREED TO GIVE HER MY DEBIT CARD # TO LOCK IN MY PRICE FOR XXXX BUT SHE PROMISED NOT TO TAKE ANY MONEY OUT OF MY ACCOUNT UNTIL I DECIDED IF I WANTED TO TRAVEL AND DOD BUSINESS WITH THEM. HOWEVER SHE TOOK THE MONEY OUT OF MY ACCOUNT ON XX/XX/17 AND I NEVER AUTHORIZED THIS ... I CONTACTED MY BANK XXXX XXXX TO LET THEM KNOW I NEVER AUTHORIZED THIS AND THEY DID NOTHING TO HELP ME. SO I AM NOW REPORTING THIS TO YOU .... PLEASE HELP ME GET MY MONEY BACK. I AM A SENIOR CITIZEN AND THIS IS ABUSE .... I LIVE ON A FIXED INCOME AND I CANT AFFORD TO THROW MONEY AWAY TO A FRAUD SCAM COMPANY ... PLEASE HELP ME GET MY MONEY BACK

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: Bread Financial Holdings, 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:
CB/VICSCRT XXXX XXXX XXXX Account XXXX : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Charge account Charge account - Bureau Code : Individual Individual Individual Account Status : Paid Paid Paid Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} {$0.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$350.00} {$350.00} {$150.00} XXXX XXXX : {$150.00} {$150.00} {$0.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Current Current Current Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX REDIT DISPUTE NOTES THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN XXXX BUSINESS DAYS OF FRAUD RECEIPT DATE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2022 I submitted a dispute with equifax on three different accounts in charge off that had inaccurate information reported for over 2+ years ; and instead of taking the 30 days to investigate. Equifax immediately on XX/XX/2022 allowed the data furnisher to modify the credit report to update the information they failed to report accurately in the first place. And because the accounts were reported incorrectly I requested the accounts be removed but instead modified the information and refuse to change it. 
I have also submitted disputes with XXXX but once their investigation was complete their dispute center and telephone service refuses to let me submit another dispute. 

XXXX  XXXX : {$770.00} XXXX XXXX : {$530.00} XXXX XXXX  : {$260.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05
Company: Viking Client Services
State: GA
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 received a letter from Viking, Inc in regards to a balanced owed for XXXX. In reference to that letter they wanted to verify the validity of debt. In that letter there was note that they would mail a judgement outside 30 days of response to if debt is owed. However, I got another letter from another company name XXXX XXXXXXXX, requiring for me to pay the same amount for debt owed under a different account number. I am concerned because I disputed this debt. I do believe that there is a balanced owed but not two companies. That is not accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: Kriya Capital, LLC
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Told made that my credit would never be the same until i pay something that i had no knowledge of

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-13
Company: EQUIFAX, INC.
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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
On XX/XX/2021, I received a letter from Citibank ( see attached ) about an account that was attempted to be opened but was unable to due to the bank 's inability to verify credit information. I contacted Citibank at XXXX on XX/XX/2021, to advise them that I had never tried to open an account with their bank and that it was a fraudulent application. They apparently had all my personal information including my SS #. They said they would turn it over to their ID Theft department and gave me their number at XXXX to follow up, along with this contact information for the FTC.

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 2020-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX and TransUnion credit bureaus keep on adding these fraudulent accounts on my credit report. These were already reported and has claimed that these debts are not mine.

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 2023-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 # ( LISTED BELOW ), 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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I didn't say that's its incorrect. I asked to remove it because I'm a small business owner and my vendors have dropped me because of this.. now remove the accounts or I'll sue for violation of my rights under the constitution!!!!

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 2022-08-17
Company: Experian Information Solutions Inc.
State: VA
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 was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


XXXX Employer XXXX XXXX XXXX XXXX XXXX XXXX Addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collecons XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian Name XXXX XXXX XXXX Employer XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Employer XXXX XXXX XXXX XXXX Addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-07
Company: Rocket Mortgage, LLC
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My husband & I decided to reach out to Quicken loans and begin the refinance process. At first we had several conversations in regards to our situation, ( wants & needs ) do you know the Premature explanations that you have to get out of the way, as my husband & I were interested in refinancing our home, ( we had an exsisting mortgage with another company ), and wanted to move forward with another Preferably ( XXXX  ) upon researching, right from the beginning everything was XXXX from the start, however, the loan XXXX was very quick to continue to call me on numerous occasions & walk me through the premature process of getting certain subjects in order. She was not so professional, I really dont judge people are people, only until the day we were ready to move forward with the writing this in stone process, the XXXX thing was she made very Discriminating comments and suddenly refused to service us. I was so confused, I mean this loan XXXX called me about XXXX times that morning to get the paperwork in order in a timely fashion and all of a sudden it was like something came over her and it was completely not happening! I actually thought she was joking I mean this occurred in the same sentence, she giggled and blamed her supervisor who which by the way ( did not take part in any conversations with us ) she gave no explanation what-so-ever nor did she try to work with us further. I was told that theres always a XXXX XXXX XXXX each and every customer to customize and theres always some kind of option on the table, these were her words!!!! I cant stress enough How XXXX I was to get a XXXX XXXX in my XXXX from a very reputable company. Okay this is not a backyard broker & considering all the money I have saved in the bank/ the investments i currently have/ a XXXX-time job/ a husband that worked XXXX years at a company with a full XXXX, a house that has over XXXX of equity in it and fairly decent credit scores, needless to say this was the most XXXX  & XXXX experience Ive ever had! Unbelievable and so disappointing. I was scorned for awhile & did not understand what triggered this, I mean there job is to go over options! That was not discussed, it was just a XXXX  & a few XXXX comments treating me like a XXXX rate XXXX, I could not believe it. Anyways, that company was not worth fighting for because now have a very awesome mortgage refinance company that Im working with happily, however now that Ive moved on Justification says this behavior needs to be outed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: JPMORGAN CHASE & CO.
State: NJ
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:
A NJ Chase account check was written out to XXXX & XXXX for {$53.00}. XX/XX/2021, it was stolen from mailbox and altered, changing the payee and the amount to {$12000.00}. It was cashed at a NY XXXX bank. 
t was reported to the police and Chase Fraud dept. 
Chase has refused to refund the money, stating that XXXX book was responsible for the refund. 
This has been going on for close to a year. I have been calling Chase every month. They keep sying they are waiting on XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
In accordance with the fair credit reporting act, I've sent several disputes on a hard inquiry that is being furnished on my credit report. XXXX XXXX XXXX This information being reported is inaccurate and has violated my rights. 
Under 15 usc 1681s2, you can not furnish information knowingly inaccurate.

15 usc 1681b2, I must give written consent to furnish which I never did.

This is not tied to any open account and being reported incorrect.

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