BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-21
Company: Conduent Incorporated
State: GA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
Although I have submitted thorough documentation listing all the fraudulent activity that happened on my card along with a police report Way2Go card services has denied my claim. I believe this claim has been wrongfully denied I do not believe Way2Go did a thorough job in investigating my claim. There are mistakes that happened throughout my fraud claim by Way2Go such as they pulled back funds from a transaction that I told them over a monitored and recorded call yes I did authorize for my electric company. As well that transaction was nowhere listed on my thorough fraud claim so Way2Go wrongfully and negligently pulled back those funds causing me to accrue an overdraft fee of XXXX $ with my electric company. As well I am now being threatened by that electric company to have my services shut off if I cant pay the money back. Once I reported the mistake they made to my card company there was never any follow up no resolution for the mistake they made in handling my claim. I understand government related card issuers who handle unemployment for the state of Georgia is overwhelmed with all the millions of claims Im sure they are receiving due to this COVID-19, however that gives this card company no right to hand my dispute this way when I have done everything they asked of me in filing this fraud claim. I believe I am rightfully owed all the funds stolen from me through the fraud claim I submitted. There were over 12 fraud transactions made and even with all my documentation and police report this card company is denying my claim. I do not have the actual fraud form I completed and faxed to Way2Go card services but I can hand write out another document listing all the fraudulent transactions from my bank statement. If those documents are needed please let me know and I will submit it. Im sure a copy of that document is with Fraud Services with Way2Go card company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14
Company: CHRISTUS HEALTH
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Please cease and desist. I am being harassed by Christus. I have repeatedly asked them to stop calling over an alleged debt. Please stop the harassing behaviors. Stop all contact.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Midland credit management sued me. I never received the copy of the subpoena. The only information that I was give is that it given to my mother at my house. The problem is, is that my mother does not live with, nor did she accept a subpoena on my behalf. I am the sole owner of my home, my mother has maybe been here 5 times in the past 5 years. I believe that they got into court without me showing up to win by default.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621. 
The tradeline listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 
I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 
I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. 
In addition, it has also been discovered that these STUDENT LOAN ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So, these accounts do not belong to me. 
STUDENT LOAN CREDITORS : XXXX XXXX ACCOUNT NUMBER : 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 2022-12-16
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 2019-09-13
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 me as an Authorized User on the XXXX XXXX   XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX. I have contacted the bureaus to remove this item however, I have not been successful. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-20
Company: Experian Information Solutions Inc.
State: VA
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:
Based on payment of credit cards recently, XXXX and experian should update credit score to more than XXXX as XXXX did it to support middle class family and children XXXX XXXX and experian are slow to update, it can bother peopleslife

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 2020-07-21
Company: WELLS FARGO & COMPANY
State: NV
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for payment suspension with my mortgage holder Wells Fargo in XXXX. I was immediately approved for 3 payment suspension which I was told could be added to the back of my loan. I received a letter in XXXX saying my time was up and I needed to call and make a decision on ending the forbearance program. I called and opted for a partial claim which adds the payments to the end of my loan. That call was in early XXXX, by XX/XX/XXXX I hadnt received any paperwork and called to ask about it. They said my forbearance had been extended through XXXX and asked me all the same questions about what I would like to do and I said partial claim. They said the documents would be mailed and I would need them notarized. They never came. Late XXXX I decided to purchase a second home condo, knowing that the forbearance would be over by XX/XX/XXXX which is when Wells Fargo said I would need to resume payments. They never accepted my choice to get out of forbearance and told me if I paid my loan up to date the payments would register as late and all late fees would apply. I called frantically XXXX XXXX to try and rush the partial claim with no success. Employees bounced me from the home preservation department to the executive department and back 10 times. They said things like were going to escalate your case and were going to research this matter but no one has been able to help me. Now I will lose the contract for my condo because the word forbearance appears due to Wells Fargo enrolling me unwillingly into another 3 months of payment suspension.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-05
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I'm filing a consumer financial bureau complaint against the credit bureau Experian & XXXX for their refusal to report the debt as paid in full accurately on my credit file and I would like to report this as a breach of contract. 

I have receits of payment with memo stating that if check is cashed debt is settled..note all check receits have been cashed from my bank to three different creditors XXXX XXXX, XXXX XXXX XXXX , and 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 2023-02-28
Company: Helvey & Associates, Inc., Warsaw, IN Branch
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:
XX/XX/2022 is when I first noticed a balance owed of {$2000.00} to my tradeline from Helvey and Associates for XXXX XXXX. This is not my debt. I was the victim of identity theft. My information was left in the home they apparently rented after me. They opened a credit card, XXXX, and lights in my name. I left the home in which belonged to my ex and only packed my clothes and moved 3 hours away  for a job. I have not lived in XXXX XXXX in 7 plus years. I live 3 hours from there. Please remove.

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 2022-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
So I sent a letter XX/XX/ here is my tracking numbers # XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX XXXX to remove personal information that, I do not want on my credit report. According to the Fair Credit Reporting Act. 15 USC 1681. I have a right to Privacy. Also according to 15 USC 6802 no financial institution is not suppose to share my information to third party people. These are clear violations of my my Federally protected consumer rights.

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 2017-12-15
Company: Diversified Adjustment Service, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I returned modem/router to XXXX XXXX 1 1/2 to 2 1/2 years ago but have maintained their internet service until late XX/XX/XXXXI did so with my own linksys router. The XXXX modem/router ( that I returned ) lacked the security that I required. 

I paid all service fees and thought I was free and clear. 
They claim that I never returned modem/router and that I owe approximately {$120.00} for a modem that they lost. 

In XXXX of XXXX I disputed the non-returned modem. XXXX XXXX launched an investigation and concluded that the modem was never returned ; and I have to pay {$120.00} or give the modem back. 
I told them I was not going to pay for something I returned. They said I left them no choice but to send me to a collection agency. 

In mid XX/XX/XXXX I received letter from Diversified Adjustment Service indicating that I owed {$120.00}. I called Diversified in the first week of XX/XX/XXXX and told them that I dispute the claim. She noted the dispute verbally and said that she would get verification. I explained the situation and that I was not going to pay for a modem./router that I know I returned. I asked her if she would pay if she were in my situation. She responded that they would hold the money as a credit until the issue was resolve. I responded with ; your asking me to trust a company that has already misplaced a their own equipment? No, I am not going to pay for the mistake of somebody else. 

Today, XX/XX/2017 I get another call from Diversified telling me that I owe XXXX dollars. Again, I said I dispute the charges. This time she said that she could reduce the charge to {$70.00}. Again, I said would you pay for something that you knew you returned. She said she might. She knows collection agencies : they will keep calling and will notify credit agencies. I said that was criminal ... That 's extortion. She sensed my anger rising and said goodbye.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2020-07-21
Company: JPMORGAN CHASE & CO.
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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/20 Chase Bank made A hard inquiry to all credit bureaus regarding my credit information without my CONSENT. 
I made clear with Chase that i didn't want to do business with them because, They didn't hold to a prior agreement, involving an account incentive. 

I have ask them to delete duplicate inquiries that are due to run for two or more years. 

These inquiries, Affect my credit score severely, as i am preparing For home ownership.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-12
Company: MoneyLion Inc.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been disputing this account as fraudulent for 3 years now. I have never done business or opened a MoneyLion Account nor authorized MoneyLion to access my personal information or report to credit bureaus on my behalf. 

This account is fraud and has not been accurately verified whatsoever. It is affecting my creditworthiness and ability to purchase a home. This is NOT my account and I have no knowledge of who opened this!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03
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:
Ive sent in XXXX XXXXounds of disputes to Equifax asking them to remove these collections accounts from my credit report. The account are XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. Ive ask for this items to be removed because of illegal collections fees, Ive also asked for the original contracts as well and they werent provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act 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 XXXXXXXX have 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 an account without my written instructions.

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 2021-12-03
Company: Central Atlantic Sales Inc. T/A Priority Buy Here Pay Here
State: VA
Product: Debt collection
Sub-product: Auto debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
XX/XX/2021 A call was placed to my job asking personal questions from a co worker when called the finance company back I asked XXXX XXXX not to call my job she said shes going to do whatever she wants and she will continue to call my job when she wants to. When she called my job my co worker answered the phone with the greeting thank you for calling XXXX financial how can I help you XXXX advised my co worker that this number is listed as a home number for me in XXXX and proceeded to badger my co worker asking questions my co worker advised her due to privacy reasons she could not disclose the location of my job and XXXX continued to try to get information. I have been embarrassed because now everyone on my job thinks someone was trying to repo my car.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: Experian Information Solutions Inc.
State: TX
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 Repprting act. The List of accounts below has violated my tederally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX Bankruptcy # XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681 c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 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 explanation