BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-09
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:
Equifax compromised my security and opened up MAJOR risk for financial loss and identity theft. 

My name, address, full social security, driver 's license are all available to the public due to this security breach on their part. Possible identity theft makes any credit or mortgage, employment concerns, now a valid threat to my me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23
Company: Experian Information Solutions Inc.
State: LA
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 XXXX I sent a letter regarding 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 I'm being taken advantage of and being ignored of my disputes Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person!

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 2022-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
Hello, I am very upset! I have been repairing my credit and viewing the accounts that are listed. Just recently 2 collections accounts were removed from my report, 2 other collection accounts were closed for payment and my credit card utilization decreased from 98 % to 0 %, considering all of this, my credit only increased approx. XXXX points. 

However, just yesterday I check my credit and out of no a medical collection for {$1000.00} is added to my account. An account that I was NEVER notified of prior, no one called or sent letters to inform me of any past due new debt or balances. This ONE medical collection dropped my credit a total of XXXX points!!! XXXX POINTS!!! I do not believe that that is accurate nor fair. The scale is wrong and my credit should not be affected that much! I literally repaired my credit with over 4 things removed and updated and I only got back a few points. I don't understand how ONE medical collection that I was not made aware of before hand could drop my score by so much!!! I AM VERY UPSET AND NEED AN EXPLANATION. This does not add up at all!!!!

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 2023-08-08
Company: MRS BPO, LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
They are trying to say I owe them money for a service I never used. The address and all my peronal information does not match.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-08
Company: CAINE & WEINER COMPANY, INC.
State: MN
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:
These accounts and inquiries are not mine they was made without my permission, or consent, inquiries, XXXX XXXX Inquiry : XX/XX/2023, XXXX XXXX : XX/XX/2023, CAINE WEINER Reported : XX/XX/2023, XXXXXXXX XXXX XXXX Reported XX/XX/2023, XXXXXXXX XXXX XXXX  Reported : XX/XX/2023. All the above accounts and inquiry is and are fraudulent and according to The Court FCRA these accounts violated my rights in many ways these accounts is pass the statutory limit what the law required under statute 15 USC 1681 B, 15 USC 1681u 1681 section 602 Alpha which states I have a right to privacy, 15 USC 1681 604 Alpha Section 2 which states a consumer reporting agency can not furnish a account without my written instructions or consent, 15 USC 1666 Bravo which states a creditor may not treat a payment on a consumer credit card plan as a late payment for any reason the inquieres must be removed immediately thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: Aqua Finance, Inc.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Account was opened in XXXX XXXX with XXXX XXXX for {$2700.00}, and was paid as promised. The account was sold to Aqua Finance in XXXX XXXX for {$3200.00}, which was the wrong amount. I have called company repeatedly to fix amount and they refuse. They have yet to send me an itemized bill stating the charges. I have n't paid since XXXX XXXX, and it has been in collection since then, but the amount seems to keep going up and I have not borrowed any more money from them. The account now stands at {$5400.00} as of XXXX XXXX, XXXX. I have not been informed of any new bills, they have n't contacted me. This is the wrong amount.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
My original case number XXXX was closed ; however I don't think this is fair because I have not been able to speak with anyone at Bank of America and was told that someone would contact me. I received an email from XXXX XXXX / XXXX XXXX at BOA stating that he would need to speak with me and he called me once while I was in class and I asked him to call me back after XXXX and he never did. I called several times in addition to sending several emails going back to XX/XX/XXXX. I even spoke to someone else that said she saw XXXX XXXX in the directory so he did in fact work there and she would send him a message and still nothing. I can 100 % confirm that I did not make this transaction and would like to see all of the proof that BOA has showing that this was done from my phone because I guarantee it was not. I am bothered that nobody has contacted me, asked for documentation or have sent me any documentation proving my case ; instead they go silent and just close the case. That's not fair to me. This is FRAUD and I need help.

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 2019-07-25
Company: ALLY FINANCIAL INC.
State: GA
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:
My personal information was used without my knowledge and because of several phone calls from creditors that did not belong to me, that prompted me to check my credit. According to XXXX and XXXX XXXX my personal information was exposed in both of their data breaches. XXXX, then confirmed that I was one of the individuals whose data was exposed twice this year alone. To date, I have noticed that there are several inquiries and credit accounts that were not requested by me were listed on my credit report. Ive filed an Identity theft report with the FTC and a police report. The FTC Identity Theft Report number is 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 2022-09-13
Company: Albert Corporation
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I got my purse stolen that had my wallet phone I'd ss etc in it from my car. I did not report it right away because I was unaware. I had become sick with XXXX  and became extremely ill. When I realized what happened I filed a police report and called to report my card missing g and file disputes. All my disputes were denied.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13
Company: EQUIFAX, INC.
State: NC
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 am sure you are aware that it is against the law to threaten suit without any intention of doing so. I have sent numerous letters requesting for you to investigate and remove all inaccurate information that is being reported on my personal credit profile, yet you continue to fail to do so. 
It is my understanding of the law that you MUST honor each and every request to investigate incorrect information and you seem to have ignored all of my previous requests. That is a crystal clear violation of the Fair Credit Reporting Act which provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non-compliance as violation of its provisions As I stated before, this is my final request for you to do as you are governed by the FCRA. If this final request does not prompt you to conduct a proper investigation of the accounts in question, I will be forced to file suit against your company in the county in which I live. That way, you can travel here in order to defend yourselves.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: WELLS FARGO & COMPANY
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX at XXXX I went to deposit money at Wells Fargo ATM branch on XXXX XXXX XXXX Texas XXXX I went there to make two deposit of {$1000.00} for a total deposit of XXXX. The first deposit of {$1000.00} went through fine when I went to deposit the other XXXX it only deposited {$620.00} into my account and the atm took the other {$380.00}. I immediately called as soon as it happened and filed a claim and when the branch opened at XXXX XXXX  I went in to speak to a teller and I was told I just have to wait and theres nothing they could do. Ive called them several times since and Ive consistently been told I just have to wait. I called today XX/XX/XXXX again to check on my claim and I was told my claim was denied and closed and I could not reopen it and theres nothing I could do I filed a complaint through Wells Fargo but Im taking additional action to file another complaint because it is absolutely unacceptable they have cameras at all the ATM you can clearly see me talking out both sides of money before I depositing. I just want my {$380.00} back in my account and for the situation to be resolved.

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 2019-07-25
Company: Pendrick Capital Partners Holding, LLC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Several weeks ago, I received a call from Affiliate Asset Solutions. They claimed to be collecting on a XXXX bill from a XXXX emergency room. They told me the emergency room sold my debt to their client, Pendrick Capital Partners. I asked for something in writing providing info about the debt and documentation showing that Pendrick actually purchased the debt from the hospital. I received an account statement in the mail, but I still was not provided with documentation proving that Pendrick owned the debt. I can't be expected to pay someone if they can't prove the validity if what they are  claiming. Today, I received a call from a very hostile woman at Affiliate. When I explained that I still didn't have anything showing that Pendrick was the rightful owner of the debt, she yelled at me and told me if I needed to know who Pendrick was I should call them. I told her I was disputing the debt because I didn't know who the alleged owner of the account is and hadn't been notified that an account ( which I still don't know what it's for ) of mine had been sold. I told her that I knew she has a obligation to help resolve disputes on debts they are trying to collect. She yelled that I had an obligation to pay my bill and then hung up on me. I called back and asked for a manager to try to resolve the matter. The manager yelled at me as well and was not willing to provide proof of who the current creditor is for the alleged account. I ended the call because the manager wouldn't stop yelling and wouldn't help resolve the problem. 

I immediately sent an email to Affiliate Asset Solutions ( at the only email address I could find on their website : info@affiliateas.com ) requesting that they cease and desist all communication with me. I should not have to deal with degrading hostility when I was just trying to get proof of the validity of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I unthawed my credit with Experian on the website and despite the confirmation email that the credit was unthawed, My score remained in accessible over the course of the two day thaw. I was unable to set up the cell phone line I had tried twice to do. I was unable to get any help as the customer support line does not connect to useful resources. I tried again to unthaw my credit to apply for the same phone line application but this time, not only did the score not become accessible, but I never got a confirmation email either. I am not comfortable unthawing my credit and waiting till whatever arbitrary timeframe it actually becomes available. since I was a victim in the XXXX data breach. Customer service is non-existent and there is no help to resolve 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 2021-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 : {$9100.00} Dates : XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021 XXXX : {$820.00} Dates : XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021 XXXX : Inaccurate reporting amount across for each CB. 
Dates : XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021 XXXX XXXX XXXX XXXX : It's reporting as a derogatory AND a collection for XXXX. 
Dates : XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021 I have reached out and sent multiple letters to CB AND Collectors. I have not heard anything from anyone. Above as you can see ALL of the dates I have reached out. I have sent numerous of letters and not once I have received anything. 

Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. CORRECT? However they are in Violation. 

PUBLIC RECORDS : Chapter XXXX Bankruptcy ( TransUnion/XXXX ) They are stating that the item has been verified. I have sent in multiple letters showing proof ( A COURT LETTER ) stating they the courts DOES not report any information to credit reporting agencies. I have also sent in proof from my XXXX report that the item has been REMOVE because it was unable to be VERIFIED. Please remove inaccurate information from my report IMMEDIATELY. 

Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. )

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 2023-09-25
Company: Javitch, Block & Rathbone LLC
State: WV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
The company filed a lawsuit and has asked for summary judgment on a debt I am no longer obligated to pay according to the final order filed by the 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 2022-09-13
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:
XXXX XXXX has already been contacted by me via USPS mail. There are still a few inquiries on my credit report. XXXX XXXX XXXX  has not provided a sign contract stating that they solicited my information with my permission. Is incorrect reporting and inquiry has hindered me from receiving a mortgage, and apartment, and more in the past

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 2022-09-13
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I opened a TD Bank account on XX/XX/22 and funded it. On XX/XX/22 I was locked out my online access. After calling in I was told it would take 24 hours to unlock the account. It has been way over 24 hours at this point and I still can not access my account or funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: Freedom Mortgage Company
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Freedom Mortgage NMLS ID XXXX does not immediately apply partial payments to outstanding mortgage balances. 

They wait until full payment is received to apply any funds to their serviced mortgages, resulting in additional interest due.

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 2020-01-23
Company: DISCOVER BANK
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
constant incessant us mail solicitation have told discover card NUMEROUS times to cease and desist any and all solicitations. 
But they continue and continue and continue and I am XXXX XXXX OF IT!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-08
Company: CAINE & WEINER COMPANY, INC.
State: AK
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have requested that this company send all documentation ( not company printout ) that I owe the debt ( progressive ) in question. They lied to the XXXX and said that they sent documentation in previous months but yet on my credit report, they say I can not be located. You can locate me at the address that you admitted you have on the XXXX response. Nothing has changed. I have demanded yet again documentation and the company stated they would send something and I have not received anything. They clearly have my mailing address. Don't say you sent anything unless you can show proof that you sent it. 

I demand solid proof of validation, contracts, my signature, etc ......

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: EQUIFAX, INC.
State: MD
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation