BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-10
Company: Conduent Incorporated
State: WA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Problem with direct deposit

Complaint:
The company shut my card off. They won't allow me a cess to my money. I've done everything they've asked me to do several times regarding ID verification and no one is responding to the ID verification. I don't know why they insisted on id verification to begin with. One day they just shut the card off and won't deal with me. It takes an hour and a half on average to get a hold of them every time I call. No joke. Some of them are quite rude as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04
Company: Team Recovery Inc.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Team Recovery managed credit reporting on behalf of an attorney in XXXX, OH who represented XXXX XXXX XXXX. 
The balance owed on a medical bill was paid in full after it was presented but during the process agents from Team Recovery threatened that my credit would be negatively affected. Even though the account was paid and the attorney dismissed the case in XXXX XXXX XXXX the collections attempt still shows as a negative report on my credit. 

In XXXX of 2021 I contacted both team Recovery and the attorney at their advise and the attorney agreed to remove the report from my credit. The negative report has not been removed and remains on my report even though all parties have agreed to remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: Experian Information Solutions 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:
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. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, FL XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it 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 2023-10-26
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
I was alerted by a reputable credit lender of a change to my credit report on XXXX, XXXX. Upon checking I was shown a new lender was opened in my name that was not authorized. I then used XXXX to see what steps were needing in reporting identiy theft. I was directed to filing with the FTC and following their guidlines of reporting a credit freeze and fraud alert to each credit bureau, disputing the account in question, contacting the police to make a report, contacting my personal bank to have them on alert and contacting the fraudulent account that was opened in my name and asking them to close the account down. 

The company was NOT helpful in anyway, they have multiple numbers one which is listed for creditors that goes to a solicitation. They were accusatory and stated many times, even though this account was opened in my name with my information, no information would be given because " I '' was not the person who opened the account. I was given many phone numbers to call and finally was told the account was closed but they would not give me any information about what address, phone numbers, or usage were attached to the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: EQUIFAX, INC.
State: NC
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:
XXXX XXXX XXXX, d/b/a XXXX XXXX has negatively impacted my personal finances in addition to negatively impacting my credit scores without justification. This has caused substantial harm over the past decade and also negatively affected XXXX XXXX and XXXX XXXX as a result of their gross mishandling of my account with them or even negligent attention to correct misapplied payments and at time charging double while carrying over late fees over multiple years without applying payments to the principal. To this day the continue to miss report on my personal credit report a derogatory statement of late payments even though they have accepted payment in full, this comes after having successfully complete XXXX XXXX Bankruptcy and the firm during that time having employees incessantly calling me for monthly payments after the program was completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: EQUIFAX, INC.
State: MI
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: Problem with personal statement of dispute

Complaint:
Ive sent in XXXX disputes for a particular account however they came back verified Ive asked for the documents used to verify the account and received no response Ive sent this letter on XX/XX/06 asking for verification The account by XXXX XXXX XXXX XXXX XXXX Is falsely reporting and I ask for it to be removed This account is only reporting to equifax and no other bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: EQUIFAX, INC.
State: NY
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 customers, right to privacy and confidentially under 15 USC 1681. 

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 15 USC 1681 section 602 A. States that I have the right to privacy.

15 USC 1681. Section 604 A. Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c ( a ) ( 5 ) sections 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 convictions of crimes which anti-dates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17
Company: Experian Information Solutions Inc.
State: NV
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, my rights have been violated by XXXX different companies. Listed below are 3 rights that have been violated ; 15 U.S.C 1681 Section 602A. States that I have the right to privacy.

15 U.S.C 1681 Section 604A Section 2. States that a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1692 C. States that a debt collector may not communicate with a consumer in connection with the collection of any debt. 

Below, I've listed the companies, account numbers, and amounts that should be removed from my credit report as soon as possible. Thank you for your cooperation. 

XXXX XXXX XXXX Account # XXXX Amount- {$320.00} XXXX  XXXX Account # XXXX Amount- {$940.00} XXXX XXXX  XXXX Account # XXXX Amount- {$1900.00} XXXX  XXXX  Account # XXXX Amount- {$2300.00} XXXX XXXX XXXX Account # XXXX Amount- {$1200.00} XXXX XXXX XXXX  Account # XXXX Amount- {$160.00} XXXX XXXX XXXX Account # XXXX Amount- {$1100.00} XXXX XXXX XXXX Account XXXX XXXX Amount- {$1400.00} XXXX XXXX XXXX Account # XXXX XXXX {$1200.00} XXXX XXXX XXXX Account # XXXX Amount- {$120.00} XXXX XXXX XXXX Account # XXXX Amount- {$1100.00} XXXX XXXX XXXX Account # XXXX Amount- {$1300.00} XXXX XXXX XXXX Account XXXX XXXX Amount- {$1200.00} XXXX XXXX XXXX Account XXXX XXXX XXXX {$1100.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-22
Company: NAVY FEDERAL CREDIT UNION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Our direct deposit of {$980.00} on XX/XX/2019 has not been deposited into our navy federal account. The bank is saying the funds are there via post on XXXX and their bank website but ourselves and many others are still not seeing our direct deposits and are getting declined. We all our collecting over draft charges and cant pay our bills because of this. They say the money is now there but it is still not regardless on their post that everything is fixed now.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

Complaint:
In the pandemic, wells fargo advised me not to pay my mortgage, because they were putting it in forbearance.When it was time to resume payments, they offered me mortgage assistance, {$830.00} XXXX. I paid on time and in full every month until one day they returned my check to me, saying they reneged on the mortgage assistance because they were missing a document. Since then, I have payed the full payment on time every month. {$940.00}, {$920.00} I am in receipt of an intent to foreclose letter XXXX XXXX, out of the blue. I have had many correspondences with them trying to get a payment reduction.I am the co-borrower. My estranged husband is the borrower and his whereabouts are unknown.Wells fargo repeatedly demanded his signatures and refused to acknowledge his warrants and disappearance.I am a XXXX XXXX XXXX XXXX XXXX and I live in my home with my XXXX  children, who are adult XXXX XXXX XXXX XXXXWells fargo has no grounds for foreclosure. I have complied with all their demands and I pay my mortgage.Thank you for your time to save our home. 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 2023-05-25
Company: EQUIFAX, 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: Reporting company used your report improperly

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-28
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On Thursday XXXX XXXX XXXX until XXXX XXXX I Mr.XXXX.XXXX.XXXX  Contacted experian 25 times trying to have a fraud alert remove and I XXXX  .XXXX. XXXX  follow all the procedures by phone on line in the app and my request was still denied after I answer all the questions correctly I was informed my answer was wrong when in fact all were correct and when I requested a supervisor I was denied the treatment is very rude and the customer is ignored treated like a number instead of person all I wanted was to remove a fraud alert XXXX XXXX completed with no problems XXXX  completed with no problems Yet experian is treating me this way this uncalled for and no one deserves to be treated in this manner for no reason

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 2022-04-17
Company: Experian Information Solutions 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:
The credit bureaus whom aren't bureaus at all have falsely listed the wrong accounts and statuses to accounts on my credit file. Experian, XXXX, and XXXX are companies not bureaus and they have no rights but I do. No consent or permission was given ( which is fraudulent ) to allow them to furnish any of the information they have listed below and I want it all deleted and blocked immediately. To prove they have no rights and I the consumer require that they follow the consumer laws under 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer or be prepared to pay for every violation I can find under Title 15. 
XXXX # XXXX, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy : XXXX XXXXXXXX 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 2023-07-10
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: 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/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which 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, FL XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$680.00} ; XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$350.00} ; XXXX XXXX XX/XX/20XXXX XXXX XXXX XXXX XXXXXX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-12
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
XXXX has a fraudulence case against defendant and garnish wages-false notice of rights for defendant to dispute the case at the time of an alleged judgment. 2 courts can not verify debt to tell defendant what credit card XXXX is garnishing defendant wages for. lawyers could not know what credit card in question XXXX are garnishing defendant wages for. credit card account information in document to garnishee is unknown. XXXX used improper service and correspondence to have an alleged judgment against defendant. defendant did not receive valid information to verify debt as XXXX wants to collect incorrect amount of money from defendant. Defendant learned such garnishment from Garnishee and after money was subtracted from defendant paycheck. XXXX is in violation of FCRA ( fair credit reporting act ). Attorneys of XXXX  are using misrepresentation to have an alleged judgment and to garnish defendant wages and these, I believe, are violations of FCRA and of sensitive security information that is controlled under 49 C.F.R. part 15 and 1520. Please, CFPB stop XXXX and this garnishment to protect consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 XX/XX/XXXX I disputed a account that's showing inaccurate information on my credit report. The account showing inaccurate information is XXXX XXXX # XXXX The original creditor is XXXX XXXX {$4800.00}. In XX/XX/XXXX Transunion sent in the mail that the account was verified and accurate. In XXXX I sent in a complaint to the CFPB about the account to the original creditor which is XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX. XXXX XXXX Responded to the complaint and sent in letter stating that the account was charged off with a balance of {$720.00} as of XX/XX/XXXX. ( see attachments ) The account was sold to XXXX XXXX. Looking at my recent credit report provided by you TRANSUNION the charged off/Amount Past due off amount is showing {$520.00} ( see attachments ) on the report under XXXX XXXX. I have enclosed a copy of the letter from XXXX XXXX the original Creditor showing proof that the amount is reporting inaccurate. TRANSUNION is showing and reporting {$520.00} which is inaccurate. As per the FCRA all credit reporting agency are to report 100 % accuracy information on consumer reports. Well as of XX/XX/XXXX I have enclosed also a copy of your inaccurate reporting of my report. I will be filing a suit with the court if this account isn't removed from my credit file.. TRANSUNION is supposed to be conducting a reasonable investigation and not relying on a third party system. Please remove this account from my file or I will gather all my documents and go to my local court and file a suit as this is not right and not reporting 100 % accurate information on my report, I have copies of the balance that's reporting wrong and a copy of the letter from the original creditor so as of today this account needs to be removed from my file and not updated. if I find that the amount is updated a suit will be file,,, delete the inaccurate info

Company response to consumer: Closed with explanation