BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-28
Company: EQUIFAX, 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 account below has violated my federally protected consumer rights to privacy and confidentiality under 15 u.s.c.1681. 
Account Name.. XXXX XXXX XXXX XXXXXXXX Account # XXXX Account Name.. XXXX XXXX XXXX. Account # XXXX Account Name... XXXX XXXX. Account # XXXX 
Account Name.. XXXX XXXX XXXX.. 
15 u.s.c. 1681 section 602 A. State i have the right to privacy..

15 u.s.c. 1681 section 604 A. section 2 : It also state a consumer reporting agency can not furnish an account without my written instructions.

15 u.s.c 1681 C. ( 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 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a 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 2020-07-11
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been trying to buy a house for nearly four months now. The lender who I've been speaking to said that my score was fairly good and I was only a few points from qualifying for a conventional loan. After showing me my credit report, we saw that the only thing on my report which could be considered negative was a XXXX XXXX collection which was opened on XXXX of 2018. I didn't know what charter communications was so I looked them up. It turns out that XXXX XXXX is XXXX. XXXX  also bought out XXXX a few years ago and XXXX bought out XXXX XXXX a few years before that as well. 

After finding out who the company really was I was confused and angry. I was confused because I know for a fact I did not open a XXXX  / XXXX on XX/XX/2018 or anytime close to it. I was angry because the last time I did have a XXXX  / XXXX was before I lived in XXXX. I've lived in XXXX for the last 7 years! Knowing collections can only stay on your credit report for 7 years I knew this account had to be disputed. This collection, even if it was mine, was past the statute of limitations. I went ahead and disputed the account with Enhanced Recovery collections and the three credit bureaus. I did so in XXXX, XXXX, and XXXX. I never received responses from anybody. a few days ago, I have the lender check the credit report and the account is still on the report. You don't have to guess very hard how I felt after finding that out. 

To make matters worse, the lender is telling me I am 5 points away from qualifying for a conventional loan and this is the only thing stopping me! There are no charge-offs on my report, no credit cards with balances I can lower, and no other collections for me to fight or pay to increase my score. I am literally stuck and at the mercy of this collection agency who is reporting an account that isn't mine, or even if it was, is a 7 year old collection whom the collector isn't responding to any of my disputes since XXXX! There is nothing more for me to do but file this complaint against them. Please make them delete this account so I can finally buy my house.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26
Company: I.C. System, Inc.
State: OH
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:
Reviewed my credit report and a medical account was added I am allowed under the HIPPA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to I C SYSTEM COLLECTIONS # XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX to release my medical information to a third party. I am aware that HIPPA does allow for limited information about me but anything more than to I C SYSTEM COLLECTIONS # XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX is to only be revealed with the patient 's authorization, therefore my request is two-fold and as follows, Validation of Debt, and HIPPAauthorization.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: Experian Information Solutions Inc.
State: FL
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 very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 explanation
Consumer complaint received 2020-07-11
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX XXXX Opened XX/XX/2020 {$210.00} Original creditor : XXXX XXXX  Appears on my XXXX  and Equifax reports however XXXX  removed it from my report and I been trying to get it removed from the other two reporting agencies and their systems are currently down, this is an old account that has been removed in the past and still appearing in my credit report with different company names, I requested the company a validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I requested " validation '' that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. 

I also told them that the negative mark found on my credit reports included on all three credit reporting agencies from their company or any that they represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; Therefore if they can not validate the debt I want the company and the credit reporting agencies ( XXXX & Equifax ) to delete the entry. 

Thank you. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05
Company: WELLS FARGO & COMPANY
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2021 fraudulent purchases and withdrawals were made using my debit card number in XXXX, FL at various ATMs and business '. I was at work at Oregon Dept. of Fish and Wildlife in XXXX, OR at this time and did not make or authorize these transactions. There were 7 transactions in rapid succession. Two withdrawals for {$300.00} and one for {$400.00}. Two purchases were made for {$400.00} and two for {$410.00} and {$410.00}. When the fraudulent charges began happening, I received a call from a person pretending to be the Wells Fargo stating they were calling about the said charges. They attempted to ask for personal information, which I did not give them as I was suspicious having not placed the call myself. When I saw further charges being made, I turned the debit card off using the Wells Fargo mobile app and they ceased happening. I immediately called Wells Fargo and reported the fraudulent charges to open a fraud claim and Wells Fargo stated they would give me a decision in 5 to 10 business days. I then filed a police report with the XXXX Police Bureau and submitted the case number to the Wells Fargo fraud department. The officer who took the report to state the card was most likely skimmed at a gas station or other business recently to obtain the card number and PIN. On XX/XX/2021 I received and email from Wells Fargo stating they had closed my claim on XX/XX/XXXX and mailed a letter with their decision. On XX/XX/2021 I received the letter from Wells Fargo stating their investigation found that the charges were made by me or someone with my permission as the reason they were closing my claim. This was obviously fraud and my card information and PIN were obtained fraudulently and used without my permission to make these transactions and purchases. The speed, location and way in which these transactions happened are clear evidence of this.

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 2023-07-29
Company: Block, Inc.
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
This person promised to send me money if i helped them out. They guaranteed that if i sent them money they would send me back an amount of money. And they blocked me and scammed me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-12
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I have never lived on XXXX in XXXX or XXXX in XXXX, that should appear on XXXX XXXX report. How could you confuse XXXX completely different SSN and DOB and foul up the information?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-11
Company: The CBE Group, Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Cbe Group Opened XX/XX/2020 {$210.00} Original creditor : XXXX XXXX  Appears on my XXXX  and XXXX  reports however XXXX  removed it from my report and I been trying to get it removed from the other two reporting agencies and their systems are currently down, this is an old account that has been removed in the past and still appearing in my credit report with different company names, I requested the company a validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I requested " validation '' that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. 

I also told them that the negative mark found on my credit reports included on all three credit reporting agencies from their company or any that they represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; Therefore if they can not validate the debt I want the company and the credit reporting agencies ( XXXX  & XXXX  ) to delete the entry. 

Thank you. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
For some reason this bureau keeps making changes to my address that weren't requested but can't seem to remove outdated info from my report timely. The following needs to be updated/removed as follows : 1. Some how my home address is now an address that is a prior address? How is that possible? I never gave permission to switch my addresses. The address you show as my current is not the current address & hasn't been for months. The other bureaus have it correct but this one just keeps messing up my address! Fix it! 
2. XXXX is NOT my employer! I haven't worked there in going on 4 yrs. Remove it immediately! 
3. XXXX # XXXX - remove the dispute comments from this record. I never disputed it, never asked you to do so, only to remove XXXX XXXX & XXXX outdated paid off student loans. Some how you translated this into a dispute with XXXX XXXX. I want that language completely removed from the record as I never authorized you to dispute it. I had no legitimate reason to dispute an accurate, current record. Correct it now. 
4. XXXX # XXXX - this account is outdated. The info is incorrect anyway & the record does not add any value to my score. Remove it. 
5. US Dept of Ed # XXXX - paid off XX/XX/XXXX {$3500.00} 6. US Dept of Ed # XXXX - paid off XX/XX/XXXX {$6400.00} 7. US Dept of Ed # XXXX - paid off XX/XX/XXXX {$530.00} 8. US Dept of Ed # XXXX - paid off XX/XX/XXXX {$2200.00} 9. US Dept of Ed # XXXX - paid off XX/XX/XXXX {$4500.00} 10. US Dept of Ed # XXXX - paid off XX/XX/XXXX {$3600.00} 11. US Dept of Ed # XXXX - paid off XX/XX/XXXX {$3300.00}

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 explanation
Consumer complaint received 2023-03-28
Company: EQUIFAX, INC.
State: CA
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 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXXXXXX Account name : XXXXXXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2021-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 a collection on my credit report for {$3600.00}. This collection was paid with a " Pay for delete '' agreement from a collection agency. I have the agreement sent to me on the company letterhead and it is still not being deleted from my reports. Also, I am not able to dispute on XXXX because they will not allow me into the online portal or accept my phone calls due to an unknown error.

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 2021-02-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
There are two accounts on my report from one company that I have never done business with or heard of. This is a result of identity theft,

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 2020-07-11
Company: SELECT PORTFOLIO SERVICING, INC.
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I purchased my home, as a married woman in 1975 for {$36000.00}. Due to divorce, my home went into foreclosure. I sought help, as a single woman with XXXX very young children. As of today, I now owe {$100000.00} plus a balloon payment of {$70000.00} on this house. Various and numerous, loan selling schemes caused my home to go back into foreclosure about 10 years ago. This included XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX and now SPS. I am now nearly XXXX, XXXX and on social security XXXX. I'm in an adjustable mortgage modification. Lost and confused. Who can help me XXXX the players in this disaster? I know XXXX was fined, XXXX fined, XXXX XXXX and XXXX XXXX had license revoked, SPS has been deceptive in information related to modification.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: Chime Financial Inc
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My account was hacked and someone was able to change my pin number. They also emptied my savings account into my checking account. They spent XXXX dollars at XXXX in XXXX New York. I live in XXXX Texas so that is about XXXX miles away from me. They also spent XXXX at XXXX XXXX  and tried to spend XXXX dollars at XXXX. Chime ( XXXX ) declined the charges at XXXX and also refunded the XXXX from XXXX XXXX. They recently sent me a email saying they denied my dispute of the XXXX dollars at XXXX. I have never even been to New York and I actually made a purchase on my credit card I have with chime less than XXXX minutes before these charges occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03
Company: JPMORGAN CHASE & CO.
State: FL
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:
On XX/XX/2018 I attended a XXXX XXXX XXXX XXXX XXXX 3 day workshop which I paid {$2000.00} to attend. From that workshop we were offered another workshop which would work with us until we earned 100 % of our investment. I paid {$21000.00} to attend that workshop. After realizing that none of the formulas they taught in the workshop were working for me I contacted the resource office. I spoke with a resolution specialist by the name of XXXX XXXX. There was an agreement to a refund of about half of the money. She emailed me a settlement agreement and mutual release on XX/XX/2018. As I read through the agreement I did not feel right about signing the agreement because of the language used and obligations I would be forced to comply with and I would only get a partial refund so I did NOT sign the agreement. Instead, I contacted my credit card companies that i used to pay the workshop with. Chase kept the charges of {$4200.00} paid to XXXX XXXX and XXXX XXXX kept the charges of {$4700.00} and {$250.00} on my account paid to XXXX XXXX after their dispute process although there was a the settlement agreement that agrees to a refund all services paid for were not rendered.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: Experian Information Solutions Inc.
State: WI
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:
On XX/XX/2023 I requested a free copy of my credit report at XXXX, upon receiving this report, I noticed quite a few addresses amongst other that were either outdated or places that I have never lived. I contacted XXXX and Experian to address these matters. XXXX basically indicated they won't remove and/or update the information as it was reported to them and I should contact the companies that provided the invalid and/or inaccurate information. I did advise the agent that according to the FCRA my rights are being violated by them reporting invalid and inaccurate information. I also attempted to resolve the matter by submitting dispute requests on both bureaus websites only to receive information either the same day or next day that the information was verified or updated. In such case I am unsure how an address that I have never resided could be updated or verified.

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 2020-12-01
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: OK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
The following describes phone payments I made. I paid {$100.00} XX/XX/XXXX toward XXXX bill. I paid {$100.00} XX/XX/XXXX toward XXXX bill and then paid {$100.00} XX/XX/XXXX toward XXXX bill. Paid {$100.00} XX/XX/XXXX toward XXXX bill. When I got my XXXX bill in the mail it had late payment fee of {$17.00} because apparently I paid XXXX payment too early which was apparently applied to XXXX ( as a 2nd pmt ) and then paid XXXX payment ( pd XX/XX/XXXX ) which was applied to XXXX but considered late. I called the company to ask why and they said I had not made a payment during the billing cycle. I told them their system didn't ask anything about how to apply the payment or to which cycle so I wasn't given an option. They chose to apply it that way and then charged me a fee. They should have asked which billing cycle to apply the payment. Had I known how they were going to apply the payment, I would have made a different choice on when to pay.

Company response to consumer: Closed with explanation