BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-15
Company: Experian Information Solutions Inc.
State: AZ
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 was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. 

XXXX XXXX XXXX {$240.00} XXXX XXXX {$730.00} XXXX XXXX XXXX {$360.00} XXXX XXXX XXXX XXXX {$190.00}

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 2020-07-24
Company: CL Holdings LLC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XX/XX/2020 To Whom It May Concern : This letter is regarding Account Number : XXXX, which you claim I owe {$2600.00}. This is a formal notice that your claim is disputed. I am requesting 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 am requesting validation that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX  and XXXX  ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press  release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 filed a complaint in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigations.

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 2020-08-26
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This is in regards to the error made by XXXX when a new auto insurance policy account # XXXX was created on XX/XX/XXXX by a sales agent working for XXXX, XXXX XXXX from XXXX XXXX XXXX to replace or override a previous Policy # XXXX that according to XXXX it had a balance amount of {$380.00} and now it stands at {$1000.00} in my credit bureau report. The monthly premium billing for the new policy was significant higher than the premium amounts from the old policy of about {$300.00} to {$400.00} more. The premiums from the old policy was {$430.00} and on average very consistent each month but the premium payment amounts debited from my bank account for the new policy effective XXXX were much higher and very inconsistent in amount each month ranging from {$640.00} to {$780.00} and when my daughter questioned this high increase in premium to the agent, XXXX XXXX, he explained that the first bill for the new policy was higher due to the transition from the old policy and the new one, and we thought that was the reason since we were issue a credit of ( {$410.00} ) along with a debited payment of {$480.00} on the following month XXXX of XXXX. Also XXXX confirmed my suspicion on the, XXXX that my daughters and myself were charged for 2 overlapping policy accounts when the new one was created for the month of XXXX from XXXX from XX/XX/XXXX to XX/XX/XXXX. I had spent more than 3 hours with them during the week of XX/XX/XXXX to point out the mistakes they did but they refuse to admit to any errors even the one that I had pointed out very clear to them about the overlapping days in which their only response was that they would request from CCS collection agency to adjust the collection debt amount from {$1000.00} to {$550.00} for the overlap billing amounts or the billing for 2 identical  auto policy during the period range of XXXX to XX/XX/XXXX. They didn't want to admit that they had made errors or apologetic even after I clearly show the error of the overlapping billing amounts of being charged to 2 auto policies instead of one. The XXXX Resolution Leader,  XXXX, said that they are going to request the collection agency ( CCS ) that to adjust the debt collection amount to {$550.00} from {$1000.00} but nothing has been done. I sincerely think that any balance from the old policy was paid already. The payments they debited from bank account were too irregular and the increase in premium was to high for the same kind of policy and therefore an investigation of this is needed as soon as possible. Thank you.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21
Company: Experian Information Solutions Inc.
State: IL
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:
On XX/XX/2018 I wrote to XXXX/XXXX in regards to them saying I owe them {$2000.00}. I requested " validation '' that is competent evidence bearing my signature, showing that I have some contractual obligation to pay them. And on XX/XX/2018 I received a itemized bill instead of evidence bearing my signature. So on XX/XX/2018 I wrote XXXX/XXXX informing them that they have failed to provide me with a copy of any viable evidence, bearing my signature, showing that the account is being reported accurately. I asked them to provide the name, address, and telephone number, of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. And on XX/XX/2018 they sent another itemized bill stating this account in questioned has been " verified ' with no viable evidence bearing my signature showing the account is reporting accurately.

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 2018-03-07
Company: JPMORGAN CHASE & CO.
State: MD
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:
Chase Card  has been inquiring on my credit every few months for the last two years. I was a customer from XX/XX/XXXX - XX/XX/XXXX but have had no relationship with them since that time. I filed a dispute with the credit bureau in lateXX/XX/XXXX but there was another inquiry. These are hard inquiries against my credit that I did not initiate. Dates are showing as XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX. This has the potential to impact my credit score. 

I am also on the opt out list for promotional offers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-02
Company: Home Point Financial Corporation
State: RI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I refinanced my mortgage thru a mortgage broker who sold my loan to Home Point Financial. It is clearly stated in my mortgage contract that the mortgage company was to pay my property taxes and insurance thru my escrow account. The first quarterly tax payment was due XX/XX/2020. Home Point Financial neglected to make that payment even though they collected the money from me and placed it in my Escrow account. They incurred a penalty charge from the town of {$270.00} that I had to pay to keep my account in good standing. In the last correspondence from Home Point Financial regarding this issue, they stated : " Our records indicate the escrow account only includes property insurance. '' " The property taxes are non-escrowed and are the homeowners responsibility. '' Both of these statements are incorrect. I have a copy of the mortgage contract, statements, penalty charge and proof of payment of the penalty charge. 

Home Point Financial has since approved closing my escrow account so that I may make all tax and insurance payments myself going forward as I do not trust them to do this for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26
Company: Netspend Corporation
State: ME
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
My account was locked. I sent in 5 documents that were o. The septuple list but they were not allowed by the company so I close to my account weighted the 10 to 14 business days called them as I still had not received a check and they advised me that they did not close my account I have been waiting more than 5 weeks to get my money from Netspend. They are completely unprofessional and do not help when I ask to speak to a manager.

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 2020-11-15
Company: EQUIFAX, INC.
State: NY
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:
I recently sent letters over 60 days ago to Equifax and they are disregarding a regular consumer disputes. I'm stressed and have been sending letters before this and still no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-04
Company: WELLS FARGO & COMPANY
State: AL
Product: Credit card
Issue: Delinquent account

Complaint:
There is a judgement against me by wells fargo bank. however on XXXX/XXXX/2016 Wells fargo took my entire check of {$2600.00} and left me with nothing in my account. I 'm a XXXX and single parent and have no way of getting extra money to feed my family and pay my bills. I 'm wiling to make payment arrangement with wells fargo.

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 2018-03-07
Company: EQUIFAX, INC.
State: MA
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:
NEW INFORMATION - XXXX XXXX XXXX, XX/XX/XXXX - {$81.00}, XX/XX/XXXX - {$81.00}, XX/XX/XXXX - {$81.00}, XX/XX/XXXX - XXXX. 

This information has not been submitted, and shows a Payment Plan in place between XXXX XXXX XXXX and XXXX XXXX XXXX!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
NEW INFORMATION - XXXX XXXX XXXX, XX/XX/XXXX - {$81.00}, XX/XX/XXXX - {$81.00},XX/XX/XXXX - {$81.00}, XX/XX/XXXX - XXXX. 

This information has not been submitted, and shows a Payment Plan in place between XXXX XXXX XXXX and 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 explanation
Consumer complaint received 2021-04-28
Company: EQUIFAX, INC.
State: CA
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3000.00}, {$0.00}, {$2200.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3000.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT 3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2200.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-11
Company: Experian Information Solutions Inc.
State: NY
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:
I received my discharged bankruptcy papers dated XX/XX/XXXX. After a few months, I noticed that one of my creditors ( XXXX XXXX XXXX ) was still reporting a balance of {$5900.00}, and showed the account in collection. Immediately, I contacted the credit bureaus to put in disputes. By XXXX of XXXX, XXXX and XXXX had reported this account correctly. However, the Experian report still showed a balance. I decided to send XXXX a letter showing proof of the discharged bankruptcy and a copy of my credit report, which showed the {$5900.00} balance. After 30 days no response was received, so I decided to put in another dispute with Experian. Experian continued to state that it was the creditor 's responsibility to report accurate information. In XXXX of XXXX, I decided to work with a credit repair agency to hopefully help me resolve this issue. To no avail, the balance was still being reported on Experian. In XX/XX/XXXX, I then decided to put in a complaint with the New York State Department of Financial Services. But, in the meantime, I filed another dispute with Experian ; to date, this is 8 disputes. And, additionally, I sent XXXX another letter with a copy of my credit report showing that it's now 180 days past due, in the collection ( CO ), and a balance of {$5900.00}. On XX/XX/XXXX, I received a copy from the NYSDFS examiner stating that XXXX responded with a statement indicating they have reported accurate information under FCRA. I'm now lead to believe that Experian is at the fault for not correcting the information on my report. I've attached proof of the letters from NYSDFS and XXXX, along with a copy of my discharged bankruptcy,

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 2021-03-02
Company: WATERSTONE MORTGAGE CORPORATION
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Submitted a loan application to Waterstone Morgage in XX/XX/XXXX. Lender has never provided a loan estimate even when all documentation has been submitted. Requested more information on how to obtain the estimate, a preapproval letter and more information on down payment assistance programs. Received notification that when proof of funds is provided the letter will be issued and that they will take care of the downpayment assistance. They again did not provide the loan estimate.

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 2020-07-24
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:
XXXX credit card is garnishing my wages, i have paid them over 350.00 via garnishment and they have yet to update my balance owed on my credit report. I have contacted them multiple times, i have report the inaccuracies many times and each time they adjust the amount by XXXX dollar, so that the balance decreases. They have not been honest with their credit reporting practices. I have disputed them with XXXX, XXXX, and exper and each time they Continue to do the same thing and report incorrect info on my report which is damaging my score unfairly.

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 2020-08-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
i don't remember the day my credit card was lock to do fraud / Around XX/XX/2020. since then i call them several time. the last time i had to send them picture of my Driver license front and back. that was about a month ago. an Capital one has send me a new credit card. i went to use it and it was decline. Well back in XXXX i add XXXX $ to the account but they still didn't. clear the fraud charge against it. what is XXXX I call today and first talk to XXXX id XXXX XXXX THEN I ASK HIM TO TALK TO HIS SUPERIOR SO HE TRANSFER ME TO XXXX ID XXXX  XXXX AND He gave me the run around and said the fraud department did resolve the problem yet. since XXXX They have been give me the run around because i'm a senior citizen. They are just harassing me. i'm tired of it/ i'm XXXX years old and should have to put up with this. 

Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02
Company: EQUIFAX, 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:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY PHOTO ID AND SOCIAL SECURITY NUMBER AND OPEN FRAUDULENT ACCOUNTS IN MY NAME I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX XXXX. On XX/XX/2021, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation