BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-10
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Specialized loan servicing committed identity theft and fraud when they stole my identity and reported to all credit reporting agencies that a payment was made by me on a fake mortgage debt on XXXX XXXX by me and then sold the fake debt and fraudulent account without any verification for their Prior errors and blatant fraud to further the racketeering scheme for XXXX XXXX and XXXX XXXX to cover up its phony records it creates for XXXX and one XXXX XXXX aka XXXX XXXX after they cook the books for XXXX XXXX XXXX with crooked lawyers to illegally foreclose on my home and business with fraudulent accounting where Sls is fabricating false records on case XXXX ca XXXX in Florida to cover up the Fraud, XXXX XXXX has constructed for XXXX to steal my homes equity and extort me for money not owed because they create fake reporting and make fake payments and commit forgery, identity theft like on XXXX XXXX on my record to keep the fraud alive for XXXX, XXXX, XXXX and XXXX in XXXX so they can get money from the government share loss agreement and make false claims for damages and steal homes disguised as business as usual in violation of state Rico and false claims act laws And state penile code laws. I request a written response

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03
Company: Experian Information Solutions Inc.
State: TN
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:
Disputed some items on my credit 45 days ago that has yet to be remove or proof that the accounts belong to me in the first.

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 2023-11-14
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. 

U.S. DEPARTMENT OF EDUCATION : # XXXX, U.S. DEPARTMENT OF EDUCATION : # XXXX, U.S. DEPARTMENT OF EDUCATION : # XXXX, U.S DEPARTMENT OF EDUCATION : # XXXX, U.S. DEPARTMENT OF EDUCATION : # XXXX, U.S. DEPARTMENT OF EDUCATION : # XXXX, U.S. DEPARTMENT OF EDUCATION : # XXXX, U.S DEPARTMENT OF EDUCATION : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 explanation
Consumer complaint received 2022-12-26
Company: WELLS FARGO & COMPANY
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Wells Fargo foreclosed on my home in XXXX after sending me loan modification forms. I did not request the forms and paid on my mortgage every month. This began in XXXX. I was in court with a lawyer for 6 years and still lost my home of 23 years! I was told numerous times that they didn't receive the papers back, which I sent to a self addressed return envelope, and I resent and faxed numerous times from my local Wells Fargo location. They claimed they didn't know my income was XXXX, lied about tons of things. They even claimed I owed on a credit card that I never took out. Much went on in court and my lawyer said I had a good case when he very suddenly quit my case. This was also suspicious. I went to the WI Dept of Justice with my case as well. In fact when Wells Fargo first tried to foreclose in XXXX XXXX XXXX was the owner of my mortgage. I got nothing out of the home I paid on for 23 years. Can you help me in getting some sort of monetary settlement for all of their illegal and evil work to take my life away?

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 2023-10-05
Company: HW Holding, Inc
State: GA
Product: Debt collection
Sub-product: Rental debt
Issue: Electronic communications
Sub-issue: Frequent or repeated messages

Complaint:
I am writing to formally file a complaint against Hunter Warfield, a debt collection agency, for their relentless and unwarranted actions concerning an alleged debt. I also wish to highlight the numerous violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) that I have endured throughout this ordeal. My intention is to request a comprehensive investigation by the CFPB to address this matter appropriately. 

I want to convey the frustration and sense of invasion of privacy and harassment I have experienced in dealing with Hunter Warfield. Here 's a summary of the events : 1. In XX/XX/2023, XXXX XXXX first notified me of a collection account from Hunter Warfield, an issue I was previously unaware of. 

XXXX. On XX/XX/XXXX, I took the initiative to send a debt validation notice via certified mail to XXXX XXXX of Hunter Warfield, with a firm intent to protect my rights 3. Moving forward to XX/XX/XXXX, Hunter Warfield responded via email, offering documents, including a XXXX rental lease agreement. However, their response left me unsatisfied, as they failed to provide crucial details such as a signature or information about the original creditor. Moreover, there was no clear justification for their claim, and no certification of assignment was provided to demonstrate their rights to pursue this alleged debt, leaving me concerned about the consequences if the debt remained unpaid 4. In XXXX, Hunter Warfield made a resolution offer for a reduced amount via email - 5. In XXXX, I decided to accept their offer, provided that they could legally substantiate their claim through authenticated documents under the penalty of perjury 6. Hunter Warfield responded to my acceptance on XX/XX/XXXX via email, repeating the same information as in their XX/XX/XXXX response. 

7. In XXXX, I submitted a dispute to XXXX regarding the collection 8. On XX/XX/XXXX, I sent a NOTICE OF OPPORTUNITY TO CURE to XXXX XXXX of Hunter Warfield 9. By XX/XX/XXXX, XXXX had removed the collection from my credit report 10. Shockingly, on XX/XX/2023, Hunter Warfield made another resolution offer for the same amount, ignoring all previous correspondence. This behavior clearly demonstrates a pattern of harassment and an attempt to collect a debt for which they lack a proper legal basis In addition to the FDCPA violations previously mentioned, I firmly believe that Hunter Warfield has violated the FCRA in several ways : 1. Posting adverse information on my credit report without a permissible purpose.

2. Failing to contact me prior to reporting the debt to the credit bureaus.

3. The absence of a contractual agreement between Hunter Warfield and myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-05
Company: Experian Information Solutions 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:
They reporting account that can't prove my original signature. Have not hear back from them. And sent them a 609 form. XXXX XXXX 3 times and XXXX XXXX XXXX that I did not even apply for 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 explanation
Consumer complaint received 2023-11-14
Company: Experian Information Solutions Inc.
State: NH
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:
this was not sent in error, and not a material misrepresentation PROCCESS THE DISPUTE See attachments I did not consent to, authorize nor benet from any of the following inquiries. Block and remove them.

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 2023-11-16
Company: NAVY FEDERAL CREDIT UNION
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Hello, Hope all is well. I recently made payments to bring my vehicle loan payments up to date. Reasons for me being late last year was due to XXXX XXXX XXXX XXXX and the reasons behind this year is due to my vehicle being a lemon. The vehicle is currently going through a court process because of numerous defects on the vehicle and many recalls.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
The following accounts are illegally reporting on my credit report without my written instructions and is a violation of Gramm-Leach-Blilley Act under 6801,6802.

Additionally, FCRA 602 states I have a right to privacy and FCRA 604 ( a ) ( 2 ) states a credit reporting agency can not furnish an account without my written instructions.

I want the listed accounts to be removed immediately. 

XXXX ) XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX If any of these accounts are verified/ updated send me the Description of the Procedures used to verify these accounts in accordance with FCRA 611 ( a ) ( B ) ( 6 ) ( iii ) and FCRA 611 ( a ) ( 7 ) which I am privy to in 15 days in accord with law.

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 2023-11-10
Company: EQUIFAX, INC.
State: WI
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 strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-23
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I placed and received confirmation that I had successfully placed a security freeze on my credit report with Equifax on XX/XX/XXXX. In the body of that confirmation email, it says : " A Security Freeze has been placed on your Equifax Credit File on XX/XX/XXXX. In order to ( i ) permanently remove the security freeze or ( ii ) authorize Equifax to release your credit file for a specific period of time, you must provide us with a 10 digit personal identification number ( PIN ). '' and which included my designated PIN. 

Yet, when attempting to temporarily lift the security freeze with Equifax today, I was able to do so without providing that unique PIN : 1. Navigate to https : //www.equifax.com/XXXX 2. Click " Get Started '' 3. Enter First/Last Name, Current Address, Social Security Number and click " Continue '' 4. Enter an email address and password 5. Choose to verify your identity through your email address 6. Enter the 6-digit code sent to that email address 7. You should be redirected to https : //my.equifax.comXXXXXXXX XXXX XXXX 8. Click " Place or Manage A Freeze '' 9. Note that in  the box in the right, the following text appears : " How do I get my PIN? 
During the confirmation step, you will receive a one-time PDF available for you to view and print. Your PIN will be required to temporarily lift or permanently remove your security freeze via phone or mail. '' 10. Click " Temporarily lift a Security Freeze for a specified Date Range '' and accept the Terms of Use and click Next 11. Enter the dates you want the freeze to be applied The freeze is successfully lifted and the consumer is presented with a PDF confirmation with the following content : " Security Freeze Date Lift Confirmation At your request, we have temporarily lifted the security freeze on your Equifax credit report for the following period : XX/XX/XXXX XX/XX/XXXX We will automatically reinstate the security freeze at the end of this time frame. 
Please print and keep this page for your records '' At no point during this process did I provide strict verification of my identity, nor my unique PIN, in violation of the documented process and to the detriment of the security of my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Kindly delete this incorrect account from my credit report. I never gave permission for its creation or use. I've attached the necessary documents to substantiate my claim.

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 2022-02-18
Company: DISCOVER BANK
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
Thank you for taking the time to read this. Upon review of my XXXX, XXXX and XXXX credit files I noted XXXX payments that are reported as late. I have disputed the late payments already XXXX times and I am sincerely hoping someone there can take a closer look at my file. The payments were, in fact, missed, but prior to me missing the payments, I called every month I was unable to pay and was unable to get through to your company ( XX/XX/2020, XXXX, 2020, and XX/XX/2020 ). I was affected by COVID and tried to get a deferment and couldn't get through and therefore accounts ended up being late. I am hoping you can make the necessary adjustment under the CARES Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18
Company: Klarna AB
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
On XXXX the XXXX, I purchased a pair of earrings from XXXX 's via Klarna. Klarna charged me for the earrings to be paid in 4 installments of XXXX. Klarna took the 1st payment, XXXX from my credit union account. When I received the earrings, one of the earrings was damaged. I immediately returned the earrings to XXXX XXXX. XXXX acknowledged that the returned earrings were received. 
Per Klarna, there was communication between XXXX and Klarna and a credit was initiated between XXXX and Klarna as stated by Klarna. Since the earrings were returned to XXXX, I requested my money be refunded by Klarna ... 1st payment of XXXX ; however, Klarna has now illegally excessed my credit union account. Took an additional XXXX, 2nd payment? I call this fraud since Klarna is aware that I returned the earrings. By the way, I was never informed by XXXX nor received any such thing as gift card ( s ) from XXXX 's as stated by Klarna.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: Comerica
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I have been a premium customer of Comerica Bank for XXXX  years. On the morning of XX/XX/XXXX, I received an email from Comerica stating that an amount of {$2600.00} was transferred via XXXX to somebody that I did not know. I immediately contacted Comerica and notified them that this was a completely fraudulent transaction as I had no idea who this person was. I insisted that Comerica should immediately suspend the transaction and refund the amount that was fraudulently taken out of my account. Despite my repeated requests Comerica refused to do so. All they said was that they would have to conduct an investigation that would take 10 days are more and after that investigation they would let me know IF the money could be refunded to my account. They said they were not liable for XXXX fraud and implied that I may be at fault. This is extremely stressful and scary that a big bank would just let this happen with no concern for customer protection.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: EQUIFAX, INC.
State: OR
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:
illegal hard inquiries and use of my Social Security Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-02-18
Company: Experian Information Solutions Inc.
State: SC
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 XXXX XXXX is submitting this complaint without any third party influence and give authorization for the cfpb and the other following companies to move forward with this complaint. Please see attached documents and ID as it contain my full complaint and request.

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 2023-11-14
Company: Experian Information Solutions Inc.
State: NC
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:
According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XXXX XXXX Account Number : XXXX Account Number : 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 2023-12-02
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Chase currently advertises a credit card under the label " Chase Freedom Unlimited ''. The offer claims that the card user will get back 5 % in gas and groceries... 

XXXX XXXX XXXX XXXXXXXX & XXXXXXXX XXXX XXXX I received my Chase Freedom Card and after using it for a month , the gas and grocery stores purchases were received only a 1.5 % back, not 5 % as advertised. 

Even when I checked on my credit card agreement ( attached ), the word " gas '' is not mentioned a single time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18
Company: Chime Financial Inc
State: TN
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:
Chime is fraud as I have multiple claims with the same merchant and one is being charged back and other is not. The same evidence applies and they are not doing a fair investigation as they are frauds. I have 2 claims totaling over {$8700.00} and over {$21000.00}. Ive given them proper and direct evidence from the merchant, even a XXXX of my last activity on the merchants site. They need to fix this now or Ill continue to take any action Necessary

Company response to consumer: Closed with explanation