BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-09
Company: EQUIFAX, INC.
State: IL
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:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$850.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1600.00} XX/XX/XXXX XXXX XXXX XXXX  XXXX {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXXXXXX XXXX {$1400.00} XX/XX/XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX {$960.00} XX/XX/XXXX XXXX XXXX  XXXX XXXX {$360.00} XX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX {$17000.00} XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXXXXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX {$1600.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1700.00} XXXX XXXX, XXXX XXXX XXXX XXXX XXXX {$1900.00} XX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX {$1100.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX {$3700.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX {$990.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1800.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$2100.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1200.00} XX/XX/XXXX 2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In accordance with the fair credit reporting act Carrington Mortgage Acct # 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. 

Account was in forbearance while it was being restructured was never late and now everything is up to date please assit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24
Company: HANCOCK WHITNEY BANK
State: LA
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:
On XX/XX/2019, a withdrawal was made from my checking account in the amount of {$140.00}. The person who signed for the withdrawal in the bank, is not, and has never been, listed on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-18
Company: PENNYMAC LOAN SERVICES, LLC.
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXXpayments were $XXXX.  Repeatedly return my payments saying checks are damaged-XX/XX/XXXX check for XXXX   returned, XX/XX/XXXX charged late fee of $XXXX.  New check XXXX returned "damaged."  Amount due for XXXX I paid $XXXX  for XX/XX/XXXX & XX/XX/XXXX.   XX/XX/XXXXpaid taxes as PennyMac was late.  Escrow was short $XX/XX/XXXXwhich I paid but payments went to $XXXX XX/XX/XXXX.  XX/XX/XXXX check for XXXX returned "damaged."  $XXXX late fee.  They got my acct. # wrong when called in and didn't post so $XXXX fee.  They said account was closed but XX/XX/XXXX I sent copies of statement showing it was open and active.  XX/XX/XXXX check "damaged" letter arrived.  XXXX XXXX has been an ignorant, inept communicator and needs education in customer service and business administration.  I don't know who it is but they must have graduated at the bottom of their class!  Via letter dated XX/XX/XXXX I was told they received another "damaged" payment.  I'm sure escrow will be short again this year and why, even though I pay the deficit, do my payments go up so significantly?  Out of all the businesses I pay by check why are they the one (1) whose checks are damaged?  They are trying to force me into online or auto-pay banking.  It's unethical and dirty business!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: SUNRISE CREDIT SERVICES, INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I never received any information from this company and upon checking my credit report I noticed this collection and I sent a validation of debt and I never received any information from them stating that I owed anything. This is effecting my credit negatively and needs to be handled.

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 2023-03-09
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Dear XXXX XXXX XXXX XXXX, I was notified by the 3 credit bureaus that you guys pulled my credit report. I did not authorize nor allow XXXX XXXX XXXX XXXX to pull my file. Thus under FCRA act, please inform the 3 credit bureaus that this pull was not authorize and not accurate. Please delete it off of my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-24
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
Around XX/XX/XXXX I logged into my Experian account to check my credit score. Two weeks later I am noticing a XXXX dollar charge for the most expensive subscription plan they have. No sign up page no notice I had no clue I was even signed up! This is deceitful and scammy and ridiculous way to do business. I don't even use any other features nor have I requested them. This is the SECOND time they have done this to me. Now I have to call them or snail mail in order to submit a complaint because they keep sneaking their XXXX subscription service onto people 's accounts. I get ONE FREE SCORE a year from them I shouldn't be AUTOMATICALLY subscribed to their expensive plan with no notice or information about it? What kind of invasive tactic is 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 2023-12-06
Company: Collection Receivables, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am writing to file a formal complaint against Collections Receivables Inc and the alleged original creditor, XXXXXXXX XXXX XXXXXXXX regarding their unjust attempts to collect a debt that is not owed. The details of my situation are as follows : Unauthorized Charges : On XX/XX/XXXX, I discovered that XXXXXXXX XXXX XXXXXXXX me from two separate companies without my consent. The charges were made by XXXXXXXX XXXX XXXXXXXX and XXXX XXXX  XXXX. I immediately filed a dispute, and after conducting their own fraud investigation, my credit card company sided with me and found the charges to be unauthorized. After this I received a call from XXXX that I would be sent to collections for any money I won from the dispute. 

Medical Treatment Payment Process : It is important to note that I am responsible for paying only what my insurance does not cover. In the case of XXXX XXXX XXXXXXXX, I have diligently paid my share of the medical expenses. However, I have recently discovered that I have overpaid, and I am due for a refund. I also have reasonable suspicion they are engaging in balance billing, which violates federal law. 

Unjust Debt Collection Attempts : Despite the resolution of the unauthorized charges and the overpayment issue, Collections Receivables Inc continues to pursue collection efforts for a debt that is not owed. Their actions are not only unwarranted but also in direct contradiction to the findings of my credit card company 's fraud investigation. 

I kindly request the Consumer Financial Protection Bureau 's assistance in investigating this matter and ensuring that Collections Receivables Inc ceases their unjust debt collection attempts. Also, XXXXXXXX XXXX XXXXXXXX should refund me what I overpaid them. I believe that their actions are not only in violation of fair debt collection practices, but also causing undue stress and inconvenience. 

I have attached relevant documentation, including the resolution from my credit card company 's fraud investigation and proof of overpayment to XXXX XXXX XXXX, for your review. 

Thank you for your prompt attention to this matter. I look forward to a swift resolution and appreciate your efforts in protecting consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-23
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
This is my Follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
within the past 6 months i have sent numerous certified, registered mail letters attempting to validate the debt. they will not answer any of the validation Questions they respond with letters threatening to seek a lawyer where I live to sue me without even validating the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-07
Company: WELLS FARGO & COMPANY
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
Trying to figure out different payment options fell behind on my car due to XXXX XXXX. Family tried to take care of it wouldnt let them been away for 3 months.

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 2023-06-06
Company: EQUIFAX, INC.
State: GA
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:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
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 2023-08-05
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Someone opened a checking account in my name. The bank said they opened the account without verification or ID uploaded

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 2020-10-24
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Not a duplicate - please consider this a NEW complaint. 

This is the fourth time Ive written to you regarding Experian. The company failed to properly reinvestigate the XXXX  account. My first dispute with them was on XX/XX/2020. Today is XX/XX/2020 and theyre are still reporting inaccurately for the account and have the dispute sitting in progress. They have had 7 opportunities to correct the report and yet every time I dispute they leave the same information reporting. They need to be held accountable. 

I have asked for documentation from the data furnisher XXXX XXXX XXXX on the unauthorized charge. However, they have not provided nor can I get ahold of them because mail is returned and phone is non working. 

Specifically, Experian has violated my rights under Article FCRA section 611 ( 15 U.S.C. section 1681I ). 

XXXX and Experian has violated my rights under FCRA Article-sections 611 : 1 thru 5. 616 : a thru d. 617 a thru b. 623 ( a ) 1 thru 2. 623 ( a ) 1 A thru E and 623 b. Furthermore, they violated 1022.43,  as they failed to correct the inaccuracies or provide documentation to my request. 

I asked for an itemized statement of charges, proof of authorization and communication documentation but have not received. 

This is getting to be a big headache and in the mean time my credit is suffering. They need to be held accountable for their lack of following the 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 2020-09-23
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: Investigation took more than 30 days

Complaint:
I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.

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 2022-02-01
Company: Velocity Portfolio Group
State: ME
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received letter in regards to an alleged debt from 1996. Original debt supposedly came from XXXX XXXXXXXX XXXX, possibly also known as XXXX. I never had any business dealings with this company.

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 2020-10-24
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid 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:
I had opened a Double Cash Credit Card account with CitiBank back in XXXX of XXXX. The rep had stated that there is a promotional offer that if I spend {$500.00} within 3 months of opening the account, I would receive a {$100.00} cashback. By mid XXXX of XXXX, I had already paid off {$680.00} on this card. I waited a month and I did not receive the cashback as promised. I called in and spoke to a customer service rep, who checked my account and verified that I had indeed spent {$500.00} within the first 3 months and that I would be getting the {$100.00} cashback on my next statement. My next statement came in and I still do not see this money. This is when the pandemic started getting bad and I tried calling them numerous times and was unable to get through to anyone. I had also tried messaging them through the app and the person I chatted with told me that they can only see limited information on my account and that I'm not eligible for the reward. They told me I need to call in to speak to a rep to get a better resolution. Fast forward 2 months later, I called them again and this time the rep confirms that I did reach the promotional requirements, but they don't know why the money is not showing up in my account. They told me they would need to check with another department and that I would receive a " determination '' letter in the mail within 7 business days. 3 months later and still nothing.

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 monetary relief
Consumer complaint received 2021-09-29
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:
I recently filed a complaint about my credit cards and nothing was done I applied for a mortgage recently which was the end of XXXX and was denied and the credit cards were the main focus and an old delinquent charge that was bought by another company portfolio this account was open back in XXXX and so another company bought it and it's still haunting me that's not fair and I pay my bills on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 not the owner of ENHANCED RECOVERY COMPANY ( ORIG CREDITOR : 11 XXXX ), ENHANCED RECOVERY COMPANY ( ORIG CREDITOR : 11 AT T MOBILITY ), I do not owe these companies..Derogatory accusations must be Metro 2 Compliant to retain or report so delete any not physically with proof of permissible purpose from the exactly and legally identified me..I do not authorize you or anyone to report not proven compliant information and you must comply.

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: JPMORGAN CHASE & CO.
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
JP Morgan Chase bank did a hard inquiry on my credit without my permission.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-25
Company: EQUIFAX, INC.
State: VA
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 Never had any type of account with this Creditor. I would like to be provided with Documentation of the account that is currently reflecting on my credit report. I am requesting that this account be Verified as accurate through a replicable source outside of the XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX purchased a debt owed to XXXX XXXX XXXX  on a closed checking XXXX overdraft account. The original amount was approximately {$1000.00} and they have been attempting to collect about {$2400.00} through their assignee XXXX XXXX XXXX. 

I have had multiple communications with XXXX XXXX XXXX about this matter indicating that I am aware of the debt and the balance of approximately {$1000.00} but I requested validation and verification of the debt, copies of invoices, billing statements, contracts supporting the balance they are attempting to collect for about 2 1/2 times what was originally owed. 

I have made several payments in an effort to show good faith and my intentions to resolve the amount I actually owe although they have neglected to provide the requested documentation they are required to furnish by law ( FDCPA 95-109 808 = Unfair Practices and 809 = Validation of debts ). 

I also disputed this with the credit bureaus and they validated this I believe illegally because they haven't validated the debt with me so how could they respond to the credit bureau complaint in the affirmative! 

I have have already paid them {$1100.00} which is near the original amount I think I originally owed. 

# 1 FDCPA violation by not validating the debt # 2 Potential violation by adding fees and costs not agreed to in the original contract # 3 FCRA violation - validating the account with the bureau after I disputed it ( back to # 1 -if they can't validate the debt with original contracts, documentation then how can they verify the debt with the bureaus Spoke with Ms. XXXX XXXX XXXX XXXX XX/XX/2021 @ XXXX MST.. she transferred me to XXXX " Camera XXXX? - Operation Manager who was unhelpful, he stated that I need to work through XXXX XXXX XXXX even though they own the debt and XXXX XXXX XXXX is only the assignee and I explained that XXXX XXXX XXXX 's portal has my account " disabled '' to access any info and no one replied to my last email several weeks ago on the validation, documentation request. 

If XXXX had retained the account this communication issue with XXXX XXXX XXXX would not be an issue and now that there is a problem they are not taking any steps to intervene with the assignee to facilitate communication of the requested docs and resolution with my credit report.

Company response to consumer: Closed with explanation