BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-20
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, 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:
My mortgage company ( XXXX XXXX ) has tried to pull my Equifax report on two separate occasions, but is told that the report is suppressed. When I called Equifax, they claim it's not suppressed. The reports for XXXX and XXXX were provided ( through XXXX XXXX ) to the mortgage lender. I have also been able to access my Equifax report through credit monitoring. 

On XX/XX/2019 I faxed an affidavit to Equifax asking for removal of any suppression so that the lender can use the report, and on XX/XX/2019 I spoke with a gentleman named XXXX. He told me that there should not be any suppressed notation on the credit file, and to have the bank try again. 

This problem is interfering with the closing of my mortgage loan, and I need to know how to fix the problem as quickly as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23
Company: Ashton & Weinberg, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I was contacted by a person named XXXX XXXX on XX/XX/21 and left me a voice message and it is given below : " This message is for my name and our company owner 's name. My name is XXXX XXXX I'm a private civil XXXX and I have been retained to do an asset liability investigation against both of you and your business scheduled to begin tomorrow morning at which time I will be contacting, interviewing any possible Banks, Merchants, Vendors, Customers you are doing business with, gathering public records such as liens and judgements. I will be sending this information off to the firm that has been retained my services. So, If you do have any questions prior to me coming out or any COVID related issues that prevent me from coming out please contact the firm of XXXX XXXX XXXX they can be reached out at XXXX XXXX XXXX and do reference the case # XXXX. '' When I did contacted XXXX XXXX XXXX and spoke to XXXX XXXX XXXX, asking about the information and He started in a rude manner that we owe a company named XXXX XXXX XXXX ( which we don't owe anything and XXXX is billing for unauthorized charges which was already in dispute ) and that Myself, the owner of the company and our company that he threatened to sue. When I asked him about his rude behavior he started using XXXX, abusive language and XXXX Slurs. 

I hung up the phone call and started searching online about this company and I saw lot of people are affected by this collection agency in the same manner and I have attached the links below of various complaints : https : XXXX https : XXXX https : XXXX https : XXXX https : XXXX https : XXXX https : XXXX https : XXXX Collection Agency information : XXXX & XXXX XXXX XXXX Old XXXX XXXX XXXX XXXX, RI XXXX Ph : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
- Loan Payoff check in the amount of {$11000.00} issued to BMO Harris Bank on XX/XX/2021 - A XXXX tracking receipt, # XXXX showing that the check was received by XXXX XXXX on XX/XX/2021 and signed for at the front desk by a person with the last name of XXXX I received loan delinquency notice on XX/XX/2021, followed by several harassing collection calls from XXXX XXXX in the weeks that followed. During each phone call, I explained to that person that they had the check and provided them with the check number, amount, and the XXXX tracking number showing that they had received the check. I received a second loan delinquency notice on XX/XX/2021, followed by the same harassing phone calls in the weeks that followed. 

I faxed a copy of the check and XXXX tracking receipt to XXXX XXXX, as directed by XXXX XXXX on XX/XX/2021. I emailed the same ( check copy and XXXX tracking receipt ) to " XXXX '', as directed by XXXX XXXX on XX/XX/2021 and on XX/XX/2021. 

Despite all of the above, and assurances by each XXXX representative that they would correct this situation, I still receive daily phone calls from BMO collections people ( latest was this morning at XXXX ) advising me that my loan is delinquent and that I would be reported to the credit reporting agencies if it remained delinquent on XX/XX/2021 - until I explain the situation to that person the situation, and then advised that they would be resolving the issue. 

The loan payoff issued as actually an overpayment of {$480.00}. XXXX XXXX actually owes me a refund.

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 2019-05-20
Company: Nevada Credico, Inc.
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Quantum Collections  threatened me and called numerous times over a debt I proved to be fraudulent by supporting documentation of a police report and a statement from the dmv that I never owned or registered the vehicle that the t truck company they said they represent placed on my credit and when they were forced to remove it from XXXX they threatened me they would continually report it to all agencies to mess my credit up the agents name was Ms XXXX so right after XXXX removal the next day they placed it on my equifax 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 2018-04-13
Company: Experian Information Solutions Inc.
State: NJ
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:
Experian Report # XXXX XXXX : Experian Dispute Filed XX/XX/XXXXAccount : XXXX XXXX XXXX Account # XXXX I filed a dispute directly with Experian on XX/XX/XXXX and was notified of the dispute results on XX/XX/XXXX. The dispute results indicated that the information in question had been " updated '', however, the information was not updated, nor was it corrected. 

I strongly believe my reason for dispute may have been misunderstood given the extremely limited information I provided due to the diminutive amount of commenting space allowed per the character limit imposed by the online dispute system. 

Please see attached file for a full detailing of the issue ( s ), including all relevant supporting documentation. 

Please Note : The enclosed file is a total of nine ( 9 ) pages. 

Thank you. 

Sincerely, 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 2019-08-29
Company: DISCOVER BANK
State: CA
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:
I got a call from fraud scammers who already knew my identity and my social security number who threatened me to give up more information about myself which lead to me giving up my debit card and credit card information to these scammers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06
Company: WELLS FARGO & COMPANY
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I authorized Wells Fargo Auto Loans ( WFDS ) to pull my credit on XX/XX/2020. They pulled it. 

I did not authorize them to pull it again, but on XX/XX/2020, they did so anyway. This is negatively affecting my credit score.

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 2018-02-23
Company: JPMORGAN CHASE & CO.
State: MO
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'm respectfully filing this complaint due to numerous of failed attempts in the removal of a Chase Card account opened on XXXX-14, in order to satisfy Section 611 ( 5 ) ( A ) of the FCRA. With all my formal requests I was never provided any verifiable documents that supports company 's claim ; therefore according to the above statue my dispute has merits and should promptly and immediately be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

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 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  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 an 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 non-monetary relief
Consumer complaint received 2023-01-10
Company: Bread Financial Holdings, Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
This card was fraudulently opened in my name it was not me and i need it resolved as soon as possible thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-30
Company: Credit Protection Association, L.P.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The consumer 's Agent with Power of Attorney in Fact proceeded to validate a debt in dispute status currently being reported by company CREDIT PROTECTION ASSOCIATION, L.P. to the 3 Major Credit Bureaus. After a fax communication to validate the debt and provide company tax identity information per [ FDCPA 809 ] XX/XX/XXXX, provided onXX/XX/XXXX a  fraudulent debt that leads one to the conclusion that XXXX has on file an account number confirmed to be different from the " Original Creditor ''. The information CPA provided contains False and Misleading Representations of the truth [ FDCPA 807 ( 2 ) ( A and B ) ] in what seems like an attempt to start a whole new contract with the consumer. This is not the consumer 's wish.

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 2019-06-12
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:
Equifax and XXXX are incorrectly reporting a charged off account where I am shown as an Authorized User on XXXX XXXX XXXX partial account number XXXX. ( Please see pages 10 and 11 of the attached credit report. ) I have already called them and let them know that I never gave permission to be added as an Authorized User to this account. This tradeline has been removed from XXXX  however Equifax and XXXX have not removed this from my report. I have contacted the two bureaus to fix this issue. This negative reporting is harming my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-29
Company: TRANSWORLD SYSTEMS INC
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On or about XX/XX/XXXX this collection agency was reporting as XXXX, I disputed this information as not my debt and the item was deleted from my XXXX report. This same information is reporting again in XXXX with Transworld Systems as XXXX, the information was reported again with the same collection information as the deleted information. Additionally, the collection agency never sent any written notification of this alleged debt.On or about XX/XX/XXXX, this agency confirmed to XXXX that this debt was valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-18
Company: EQUIFAX, 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 submited a notice of deispute to verify or delete derogatory items on my credit history, two so called debts from Department of education, & one from the XXXX XXXX XXXX. I submitted this dispute to all three credit bureaus, Equifax, XXXX XXXX XXXX XXXX XXXX, on XX/XX/2019, Requesting the Equifax Credit Bureau verify the account actually exists by providing me proof of the Original Consumer Contract with my Signature. All three credit bureaus failed to validate the so called debts with the original consumer contracts with my signature, responding that they were verified. I requested the proof that these debts even existed they did not provide the proof. This is damaging my credit history and score by providing inaccurate data to companies that are willing to loan me funding. I need this issue resolved immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-29
Company: EQUIFAX, 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 XXXX has reported to all 3 major bearus that I had a late payment. I have contacted them directly and all three bearus separately in regards to being involved in a Natural Disaster Hurricane Irma who put me without work for two weeks due to no power and distruction. I have submitted disbute within the creditor itself and also XXXX, XXXX, and Equifax. No one is resolving the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I had a XXXX XXXX Credit Card and was making ontime payments. Due to XXXX my job down sized and I wasl laid off. I was unabl ; e to keep up with my payments so eventually it went to Charge-off status One bureau said I was 120 days late and one said I was 150 days late. They also reported incorrect information as far as the date open, last oaid, and also past balance due. I thought that under FCRA guidelines all information must be accurate and isn't it a violation to report past due balance on a charge off. This has cause me stress and the inability to purchase a home. Please assist with clearing this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
To CFPB I got an alert from my security online protection that Trans Union has posted an account on my report from a company called XXXX XXXX XXXX for {$61.00} we did not get any written communication from this company stating we owe them anything, and once again Trans Union has posted it without a trace of proof that this is ours.

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 2020-10-09
Company: BARCLAYS BANK DELAWARE
State: DE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Subject : Credit Limit Decrease without Proper Notification on Statement Date, Suspected illegal use of Covid Relief Data for CLD. 

Hi, I have been a Barclay Card Account holder for last 10+ years.

I have never made a late payment or went into collection with Barclays or any other financial institution. I have a clean credit history.

I do hold some revolving balances and have been paying down over the last year or so. I have payed down more than 35 % of my outstanding balance across all of my financial institutions. I carry around {$3700.00} balance on my Barclaycard which used to have a credit line of {$11000.00}. I did enroll into Barclay 's payment relief program during the Covid period, but continued to make payments.  The program ended in XXXX. 

I got an alert on my email saying that my usage is near my line on XX/XX/XXXX. I logged in to see, Barclays did a Credit Line decrease on my account on the Statement Date to {$3900.00}, without giving me proper notice period or sending me a secure message or Email. I did not get a chance to pay down my balance knowing this.

Since the CLD was done on statement date, Credit Bureaus have received report of 97 % utilization on my Barclay Card. This is causing  my score to go down and could further cause other issuer 's to lower my limit on my other cards. This is putting me into a lot of stress and financial difficulties. 
What Barclays did was 'Balance Chasing ' which was popular in the  XXXX time. I did not know this was still being done. 

In addition to this, I suspect Barclays could have illegally used the data on my enrollment in Covid relief to do this Credit Line Decrease. 

I reside in XXXX, near Barclays offices. I have tried to call customer service numbers multiple times, they could not get me to lodge a complaint with Executive Office. They would not also tell me the reason for CLD.

I would request CFPB to look into Barclays CLD practices. 
Please reach out to me in case any additional documentation is required. 

Thanks, 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 2020-06-04
Company: WELLS FARGO & COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XX/XX/18 Wells Fargo VISA debit card given to XXXX merchant. Checking statement showed XX/XX/2018 withdrawal completed. Many letters on issue and bank says Wells Fargo VSA debit card does not cover merchandise /services, in accordance with Federal Reserve Regulation E on EFTA . Only certain errors are covered under federal laws. 
The bank by incorrectly processing the VISA debit card created a merchandise dispute, but erroneously handed the dispute as a credit card for merchandise. 
The bank has refused all demands and closed the issue last XXXX. The bank was legally subpoenaed for all debit card transaction with that merchant only,, XXXX, chargebacks, XXXX, merchant service records, but only produced a XXXX, 2018 bank statement showing the initial XX/XX/18 Purchase authorization, but they did state the Reg. E does not cover merchandise/ services, only ERRORS. 
Please clarify that when a debit card is given to a merchant, no disputes on merchandise can be made, A debit card is like a check or a EFT and unless the merchant agrees to refund or credit the debit card, there is no protection under law, even if the merchant erroneously runs it on a XXXX as a credit card in 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 2019-03-19
Company: AmeriCash Holding LLC
State: IL
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:
When recently applying to refinance my car, a lender pulled a report from both XXXX and XXXX. XXXX reported a judgement on my consumer file in error. Upon investigation, I discovered 2 separate factors warranting the immediate removal of this account from my report : ( 1 ) the account information belongs to a consumer with a different last name & different social security number than mine ; and ( 2 ) the judgement was for collection of a loan that originated on XX/XX/2010. This information was supplied to XXXX, and they refuse to remove this information from my credit report.

Company response to consumer: Closed with explanation