BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-07
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX Account Number : XXXX Delete this account. 

. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX Account Number : XXXX Delete this account. 

. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX XXXX  Account Number XXXX XXXX Delete this account. 

. 15 US-CODE 16921 XXXX XXXX XXXX Account Number : XXXX Delete this account. 

. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 

. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX XXXX Account Number : XXXX Delete this account. 

. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX XXXX. The inquiry was not authorized XXXX XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX 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  XXXX XXXX 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.

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 2023-04-30
Company: First Help Financial, LLC
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: Credit inquiries on your report that you don't recognize

Complaint:
In XX/XX/XXXX of 2022 And XX/XX/2022 I went to check cars in dealerships. They were so aggressive to me and pushy. I notified them not to check my credit I told them my case and now when I checked they ignored me my desition and without my permission they did hard inquiries or run my credit. I am so mad and I found juat now that I have more than 13 hard inquires that affected me in my credit score. Those seller are super abusive they don't care about you just sell and make money. 

I called XXXX l, XXXX and XXXX they suggested me to reported them here. Here is the list the 3 XXXX XXXX XXXX shared with me to dispute : XXXX. They check XXXX XXXX - Date : XX/XX/2022 XXXX. First Help Financial - XX/XX/2022 XXXX. XXXX XXXX - XX/XX/2022 XXXX. XXXX Bank ( 2 times they checked ) XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXXFirst Help Financial XXXX. XXXX XXXX ( 2 times checked ) 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 2017-05-19
Company: Equitable Acceptance Corp
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Consolidation company called. They apparently have 2 names " XXXX XXXX '' and " equitable acceptance '' They said they were consolidating my loans, I had 2 originally. However, after signing with them I have 3. This is quite confusing to me. They are emailing and calling, numbers I did n't even give to them. They are also threatening. I have n't sent any payments and when I found out this was a scam I turned off my card and changed accounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a letter from Convergent Outsourcing inc, on behalf of XXXX XXXX XXXX. Based on the information by convergent this account was opened without my knowledge from XX/XX/XXXX-XXXX. This account was opened fraudulently, I don't have knowledge of the transactions made. I am train to open a fraud/identity theft report as well as ftc number.

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 2017-05-19
Company: CNG FINANCIAL CORPORATION
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
{$1000.00} loan taken out from Allied Cash Advance that is now owed by Check  N Go, they contact my job repetitiously daily harassing me. If I send the call to voicemail th ey will attem pt 3 more  times back to back and again at the end of the day.     I finally answered the call today and advised again do not call my job again.     I have paid well over the amount borrowed and when the company was sold to Check  N Go th ey no longer called to ask for Authorization for payment they just went into my account monthly and took funds beyond the required amount. I finally closed my account and stopped the payments completely. They are chagrining ridiculous fees and the loan at this point will never be paid off.     I advised when I initially took out the loan 2 years ago that my job is never to be called as our calls are recorded and monitored for quality assurance and training purposes as my job also involves compliance with CFPB guidelines. The calls continue and now my job is in jeopardy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$100.00} 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 2023-04-30
Company: Tebo Financial Services, 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 am a single mother, and I have trying to purchase a home for my children. I have directly spoke with these creditors with certified letters in regards to these in accuracies on my reports. According to 15 USC 1681 ( a ) the following are directly in violation of my rights XXXX XXXX XXXX XXXXXXXX ( Both accounts ) Tebo FINANCIAL - XXXX I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( m 281 SW 715,719, I presumit that no proof of the alleges debt, nor therefore any such debt, in fact therefo exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
Company: Source Receivables Management LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
On XX/XX/2023 I received a missed call from Source Rec Mgmt. I returned the call which was answered by a representative that was very rude and dismissive. He asked my name and read an address to me and asked if that was familiar. He then went on to tell me this was in regard to XXXX XXXX XXXX  XXXX I attempted to explain that it was a dispute as I returned the phones and didn't receive credit for them. After asking how much I thought the phones were worth he said if he could get his XXXX to approve {$400.00} would I pay today. I said no as that doesn't clear the fact that the phones were returned. He became very indignant and condescending and tried to tell me there was no difference. He then said he doesn't have time for this and hung up. Throughout this call there were several violations of the Fair Debt Collection Practices Act as well as other regulation. He never recited the required rights outlined in the FDCPA as the XXXX. He never stated that the call is being recorded. He never accepted and stated he would investigate my dispute as required by the FDCPA. And I would like this agency to dismiss my alleged debt, remove it from my credit report ( or appropriately update it to a dispute ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
{$2100.00} was charged to my Wells Fargo Checking account for XXXX tickets. I did not authorize nor did I allow anyone to use my account or card. 

Wells Fargo denied these charges on 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 2023-04-30
Company: JPMORGAN CHASE & CO.
State: IL
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:
Hello. I bought two pairs of shoes from XXXX  on XX/XX/XXXX for {$280.00}. I returned both shoes back around XX/XX/XXXX or so. I was able to receive the refund of {$140.00} on XX/XX/XXXX but was missing the other half of it. I waited and waited but did not see anything so I decided to dispute the remaining {$140.00} with Chase. Chase gave me a credit but long story short, they rebilled me the charge after some time saying that it was valid. Ive open multiple disputes and spoke with the dispute agents and did what they told me to. The last agent told me to be SPECIFIC about my request because the dispute center kept denying it. I returned a size XXXX  shoe and was successful with the refund on XX/XX/XXXX. However, I am still waiting on my XXXX shoe to be refunded and XXXX has stated they issued a refund on XX/XX/XXXX but Chase reversed the claim. So now I have no shoes and a charge of {$140.00} on my card that I had to pay because chase thinks its valid even though I provided them evidence. This is ongoing and I was about to give up but I wanted to try this first.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-05
Company: Fidelity National Information Services, Inc. (FNIS)
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My ChexSystems report shows that an inquiry initiated by consumer action occured on  XXXX / XXXX /  XXXX   by  XXXX   XXXX  on behalf of  XXXX   XXXX  Now. I made no such inquiry. No money was taken but my concern is the use of my social security number for others to obtain payday loans.

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 2017-05-19
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
Before I went to  XXXX  school,  Navient kept enc ouraging me to put my private student loans on forbearance. My monthly minimum payments has now increased to over {$400.00}  ( four hundred ) d ollars per month. I have tried to make {$100.00} to $ 150 monthly payments, but  Navient co ntinues to send my name to collections for late payments. I have had several conversations with customer service and they are not willing to accommodate my financial situation - my   XXXX   student loans are {$280.00} per month ; my federal student loans are about {$220.00} per month ; my rent is {$1900.00} per month ... I am a   XXXX   XXXX   in Massachusetts and only bring home about {$1300.00} every  two  weeks ( {$47000.00} yearly salary ). I have told  Navient  that I am already struggling to find more affordable housing in  XXXX  and keeping up with my other bills and living expenses. I would not want to end up homeless because  Navient do es not want to accommodate my current financial hardship. I have repeatedl y told Navient that  I can make $ 150 monthly payments towards my loans, b ut Navient cont inues to encourage me to make that payment on one account and place the other loans on forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
In accordance with the Fair Credit Reporting Act, this Creditor has violated my Rights! Under Act 15 U.S.C 1681 section 602 says have the right to Privacy. 15 U.S.C 1681 section 604 A section 1 t also states a consumer reporting agency can not furnish an account without instruction. Under U.S.C 1666B A Creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose XXXX XXXX XXXX XXXXXXXX XXXX  : {$3900.00} XXXX XXXX XXXX XXXX XXXX XXXX  {$150.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$2800.00} XXXX XXXXXXXX XXXX Owed : {$0.00}.

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 2023-04-04
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 am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-04-12
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I asked for this collection to be mailed to me. It was mailed to me and asked for them to please stop calling me. They have continued to call me. I received a call today XX/XX/2022 at XXXX where the very rude representative demanded I pay off my debt that I can not afford or they will continue to call everyday until its paid. She rudely stated I will not be put on the do not call list until its paid. This now the 3rd phone number I have blocked from LVNV Funding LLC

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 found an inquiry on my report that do not belong to me. I also sent Transunion a letter from XXXX XXXX requesting the cancellation/removal of the inquiry.

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 2023-04-30
Company: Bread Financial Holdings, Inc.
State: TN
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:
Comenity bank/Jared account reporting late payments. 
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14
Company: EQUIFAX, INC.
State: CA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX, Equifax and XXXX  are reporting 3 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 5 dispute letters to Equifax, XXXX  and XXXX  since XX/XX/2020 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
Company: EQUIFAX, INC.
State: KY
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/2021 I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I AM INTERESTED IN PROCESSING DISPUTES ON MY CREDIT REPORT TO DELETE AN REOMVE ALL INACURATE INFORMATION THAT IS HINDERING MY CREDIT REPORT. THIS IS MY 2ND ATTEMPT TO DELETE AN REMOVE ALL LISTED ITEMS. CHECKING MY CREDIT REPORT IVE NOTICED ALL DATA LISTED IS REPORTING ILLEGAL INFORMATION AN FRAUDULENT INFORMATION THAT IS HIDNERING MY CREDIT REPORT. PLEASE REVIEW AN REMOVE THE LISTED ITEMS ASAP.

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 2017-05-19
Company: EQUIFAX, INC.
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:
I have contacted Equifax about removing an inaccurate chapter  XXXX  bankruptcy being reported on my credit file. I have requested validation of this chapter  XXXX  bankruptcy by the court and my original signature on this chapter  XXXX  bankruptcy. Equifax has not provided me any requested documentation. I have a signed letter from United States Bankruptcy court stating that the court does not verify records with the credit reporting agencies. Equifax is using a third party to report this inaccurate information. I 'm requesting the immediate deletion of this in accurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
See attached

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief