BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-24
Company: EQUIFAX, INC.
State: NJ
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:
XXXX was suppose to remove over XXXX inquiries from my credit report. Instead they added over XXXX inquiries to my report that are unknown, and should n't appear. Specifically. Equifax mortgage with dates XXXX, XXXX/XXXX/XXXX. XXXX. Universal credit with dates of XXXX. XXXX XXXX was n't given permission to run my credit on XXXX/XXXX/XXXX. XXXX XXXX for on XXXX/XXXX/XXXX unknown. XXXX on XXXX/XXXX/XXXX unknown. XXXX on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and on XXXX/XXXX/XXXX was n't given permission to run my credit. XXXX was n't given permission on XXXX/XXXX/XXXX. 

These inquiries appear on all three bureaus : XXXX, Equifax, and XXXX. 

Please have these unauthorized inquiries removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/XXXX Attention : XXXX Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, fl XXXX Social Security : XXXX D.O.B XX/XX/XXXX Email : XXXX XXXX XXXX : I would like all of my unauthorized derogatory remarks removed. Many of these accounts fall under the statute of limitations or are misreporting on my credit report. 
Please apply these laws to my accounts : The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( 2010 ) FairCredit Reporting Act ( FCRA ) 15 U.S.C 1681 ( " FCRA '' ) Account name : XXXX XXXX XXXX Account Number : XXXXXX Date file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX Reason : THIS 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
Consumer complaint received 2018-09-14
Company: Early Warning Services, LLC
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: Account status incorrect

Complaint:
XXXX XXXX BILLING AND TRANSACTIONAL CONTRADICTIONS : AS NOTED BY CONSENT ORDERS WITH CFPB UNFAIR DECEPTIVE ACTS OR PRACTICES POLICY FILE NO XXXX AND FILE NO XXXX  A XXXX  BALANCE ACCOUNT : XX/XX/XXXX XXXX XXXX STATEMENT XX/XX/XXXX THRU XX/XX/XXXX, BALANCE {$0.00} TRANSACTION ON XX/XX/XXXX XXXX XXXX XXXX CHARGE OFF XX/XX/XXXX XXXX XXXX BRANCH BALANCE INQUIRY XXXX XXXX XXXX XXXX XXXX XXXX, BRANCH XXXX XXXX   BALANCE INQUIRY AT XXXX XXXX BRANCH ACCOUNT NUMBER ENDING XXXX  BALANCE {$0.00} WITH RECEIPT A {$39.00} BALANCE ACCOUNT : XX/XX/XXXX LETTER FROM XXXX XXXX THERE IS A BALANCE DUE PAID CERTIFIED MAIL XX/XX/XXXX, BALANCE WAS XXXX. WE STILL HAVENT RECEIVED PAYMENT FOR YOUR PAST DUE BALANCE OF {$39.00} PLEASE SEND US YOUR PAYMENT AS SOON AS POSSIBLE. FIRST AND ONLY LETTER RECEIVED CONCERNING A BALANCE?

45 DAYS LATER YOU RECEIVE A BILL FOR THE CHARGE OFF AS IT IS NOW A BALANCE ON A CLOSED ACCOUNT. THE ACCOUNT IS CLOSED. XXXX   REOPENS THE ACCOUNT TO ADD OR CREATE A BALANCE AND THEN BILL IT AS DELINQUENT OR NEGATIVE CREDIT REPORTING?

HOW OR WHY WOULD, THAT HAPPEN?

CREDIT REPORTING CONTRADICTIONS : 4 XXXX LETTERS REGARDING XXXX XXXX XXXX  REPORTING AND IT STILL IS NOT REMOVED, HOW LONG DOES IT TAKE FOR XXXX   WHO HAS A BUSINESS RELATIONSHIP WITH EWS   TO SEND A DIGITAL TRANSMISSION TO REMOVE THE REPORTING THAT YOU FURNISHED?

IT DOES NOT TAKE 30 DAYS AND IT DEFINITELY DOES NOT TAKE 7 MONTHS PLUS.

XXXX TAKES ADVERSE ACTION WITHOUT INFORMING THE INDIVIDUAL THAT YOU DID REPORT IT TO EWS AND YOU REPORT INFORMATION THAT YOU CAN NOT VALIDATE? EWS IS SPECIFICALLY FOR FRAUDULENTLY CLOSED ACCOUNTS OR ACCOUNTS CLOSED WITH A BALANCE IN COLLECTIONS ONLY.

XXXX STATES IN YOUR LETTERS WE ASKED EWS TO REMOVE YOUR NEGATIVE ACCOUNT STATUS YOU MAY CONTACT EARLY WARNING SERVICES TO DISCUSS THE REMOVAL OF THE NEGATIVE REPORTING XXXX  STATES IN YOUR LETTERS THERE IS AN ACCOUNT CLOSURE CLOSED REPORTED TO THE EARLY WARNING SERVICES ( EWS ) WE HAVE SENT A REQUEST TO REMOVE THIS STATUS AS WE ARE UNABLE TO VALIDATE THE ACCURACY OF THE REPORTING YOU REPORTED, YOU ASSUME RESPONSIBILITY TO REMOVE IT, YOU ASSUME RESPONSIBILITY TO CONFIRM IT HAS BEEN REMOVED IN WRITING TO THE INDIVIDUAL.

XX/XX/XXXX XXXX  LETTER XX/XX/XXXX XXXX   LETTER XX/XX/XXXX XXXX LETTER XX/XX/XXXX XXXX   LETTER

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XX/XX/XXXX XXXX times with in one min. 
XX/XX/XXXX XXXX times between XXXX pm to XXXX XX/XX/XXXX 9 times between XXXX to XXXX XX/XX/XXXX 7 times between XXXX to XXXX XX/XX/XXXX XXXX times between XXXX to XXXX This has been a continuous thing for the last several months to where it is disruptive to daily phone calls and daily life while trying to make and receive phone calls. Sometimes this is up to three times a day. 
The name of the company is XXXX XXXX and XXXX XXXX. IF needed I do have screens shots of this happened as well as having to pay for XXXX XXXX XXXX call protect.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-28
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am a homeowner in New Jersey with a mortgage with Wells Fargo. In the state of NJ we have a tax credit program called the Homestead rebate act. It used to be, that this credit would be sent directly to the homeowner. Then it changed, the state of NJ would send one quarter taxes to the municipally where the homeowner lived as a credit towards the taxes they owed. ( Wells Fargo pays my taxes. ) So, If my quarterly taxes were {$1300.00}, and I received an applied credit from the state of NJ for {$520.00}, the difference of the taxes owed would be paid from Wells Fargo. That is all well and good, however, this amount of {$520.00} has been paid TWICE! Once by the state of NJ and once by me in my monthly mortgage amount. WHERE IS MY CREDIT? That credit from the state should have been deposited into my escrow account or sent to me, instead it was just deducted from the amount of quarterly taxes owed. Therefore, this amount has been paid twice. I paid the same amount of the mortgage every month with that money to pay quarterly, escrowed taxes. This has been going on ever since I have had the mortgage. Not only with me, but every one else that has a mortgage with Wells Fargo. I have tried numerous times to correct this with Wells Fargo, I have spent hours on the phone with them, trying to explain this credit, but they do n't seem to understand. I realize this is a unique credit program, but I have laid out the facts. I know people who have a mortgage with Wells Fargo and have the same problem with this tax credit. They are always saying they never get the credit. I Just figured they gave up trying. When I would call Wells Fargo they would tell me they had not yet done there escrow analyses, so I patiently waited. I would like my tax credit that is rightfully mine. I called the NJ DEPT OF TAXATION an they said they only send out the credits, they ca n't enforce anything, called also the Governor 's office, Dept of banking in NJ, and finally was led to your office. I have documentation that I sent several time to Wells Fargo, that is included.

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 2017-10-28
Company: Diversified Consultants, Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been going back and forth corresponding with this company since XXXX/2017 in regards to a account with XXXX XXXX XXXX they state that I owe. I have explained to this company on multiple occasions that this account does not belong to me. I have requested that they legally and properly validate this account. I have requested that they provide me with a contract or documentation bearing my signature, they have not. I have asked them to provide me the information on how this account was open if by email or in person and could they provide me with this information, they have not! I have asked them to provide me a chain of custody, they have not! I have asked them to provide me with a complete billing record as the balance they are stating I owe has a previous balance of {$430.00}, they have not! They are stating that payment of {$75.00} was made on my behalf I asked them to provide me with how, who, when, and what method this payment was made and again they have not! This company is being grossly negligence in providing the requested information by law. If this matter is not resolved and I take this to court all of the information I am requesting has to be legally provided. If I have to file a lawsuit I will seek monetary damages to the maximum extent allowable by law. This account is causing harm to my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-12
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
XXXX  ; Experian and XXXX  should not be reporting that I am ( 120 ) plus days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This loan was in deferment. I have attached the confirmation from XXXX XXXX datedXX/XX/2017of this account being in deferment. This false reporting of late is seriously harming my credit score and this line item needs to be removed. It is a violation of the Fair Credit Reporting Act to no report accurate information on a credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2018-01-09
Company: Exeter Finance Corp.
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was a victim of an identity theft ring who broke into my storage unit in 2015. Shortly after they created multiple shadow identities and secured a loan through XXXX XXXX. When I checked my credit after a notice of charge off I immediately researched and they had a copy of my ID and all my information from files stolen in that unit.They leased an apartment in my name and opened multiple credit cards. I have been attempting to resolve this collection filing complaints with all three credit bureaus and filing two police reports. There has been no cooperation from Exeter at all on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
XXXX credit reporting agency is not fixing an issue I am having with wrong information on my credit report. Today I viewed on XXXX XXXX that XXXX deleted my XXXX account off my credit report this account should not have been deleted off my credit report. I never gave permission to delete it. Having this account deleted brought my credit score down. My next issue is XXXX XXXX XXXX that is reporting that should not be reporting. I submitted substantial proof along with speaking to the CEO of XXXX XXXX XXXX and it was confirmed to be removed from my credit report. Instead of removing it XXXX added a remark to this account. This is completely wrong. I am very discouraged in getting XXXX to correct these issues. Another account XXXX XXXX XXXX XXXX is reporting as me including this account in bankruptcy. I never filed for bankruptcy. How can they put such false information. I fully expect that this bankruptcy comment be removed off my report. I 've also uploaded proof from XXXX that these other 2 accounts were removed from my XXXX credit report. XXXX  should have received the same information.

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 2021-05-12
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
There is a repetitive issue that American Express does not process payments, and blames the customer. Never with any other payments, all payments get process as scheduled but American Express several times a year they claim either account number invalid or ABA routing invalid, this a scheme to defraud, to charge fees, late fees etc, and have the card holder speaks specifically with their XXXX call center, so they later begin robocalls and share personal information with their XXXX friends as no control what goes on. When called or emailed American Express refuses to make good and at times they calls in odd hours leaving messages that since they can not reach out to discuss the close the case emailed, calls come at XXXX XXXX ....

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I have an open dispute over 30 days because XXXX checked my credit without my knowledge or consent, thus, did not have a permissible purpose for placing a hard inquiry on my TransUnion credit file on XX/XX/2020. XXXX refuses to remove the inquiry speculating that " either you or someone with your information applied for credit '' so to dispute the inquiry with TransUnion which I did twice. However, I have since learned after filing two disputes and numerous email exchanges and conversations with XXXX  executives that basically I have no right to privacy and consumer laws are ignored unless you pay the FCC and an attorney. In other words, anyone can check my credit anytime they feel like it, change information on your credit file to false information, and that if the CRA is TransUnion that it will not demand any validating documentation a.nd will not protect the consumer

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 2021-01-23
Company: BTH Management
State: VA
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:
account I am not responsible for being reported on my XXXX credit report by plaza services. Not mine and claimed original creditor XXXX can not even legally lend online in virginia.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14
Company: EMBRACE HOME LOANS
State: NC
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:
REGARDING EMBRACE HOME LOANS INQUIRY XX/XX/XXXX XXXX XXXX XXXX LOAN MGR I. HAVE BEEN TRYING TO GET A COPY OF THE CREDIT INQUIRIES OF THE INQUIRY SINCE XX/XX/XXXX AND IF WAS APPROVED OR DENIED BUT HE IS ACTING XXXX   IN HIS EMAIL BACK TO ME. STILL NO COPIES RECEIVED AS OF XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14
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:
I recently ran my credit report and i saw a couple of items on my report that i did not approve of. I need these items deleted from my credit report. XXXX XXXX XXXX, XXXX XXXX. 
I contacted the FTC and my local police. I am doing this on my own behalf.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-19
Company: BARCLAYS BANK DELAWARE
State: WA
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:
I received in the US Mail a credit card from Barclays VISA with XXXX Rewards that I never requested. I never filled out an application or made any purchases that included a request for a credit card. I did not activate the card. I destroyed the card. Since then I have been getting monthly statements from Barclays with {$0.00} balance due. I called Barclays to request that they close the account on XX/XX/XXXX. They refused to close the account. They said I opened the account in XX/XX/XXXX, but I have no record of any such transaction. They said my wife had initiated the account which was in my name, but then refused to accept either her or my request to close the account. I contacted credit reporting agencies, and I do see the Barclays account listed, and I also see a hard inquiry on the XXXX report from XXXX XXXX  on XX/XX/XXXX which is the same date shows as the opening date for the Barclays account. I simply want Barclays to close the account, but they refused to do so and kept asking me for more and more personal information ( such as my email address, birth date and last 4 digits of my social security number ).

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 2018-03-25
Company: CITIBANK, N.A.
State: CA
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:
In violation of 15 USC 1691a, Citigroup has announced it will be discriminating by age for certain transactions as excerpted from their policy statement. Link to full statement follows the excerpt. 

According to 15 USC 1691a, a creditor may not discriminate by age ( provided the applicant has the capacity to contract ) with respect to any aspect of a credit transaction. 

Citigroup excerpt : " Under this new policy, we will require new retail sector clients or partners to adhere to these best practices : .... ( 2 ) they restrict the sale of XXXX for individuals under XXXX  years of age, and " ... 

Link to full text of Citigroup policy : https : 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 2021-05-12
Company: AMERICAN EXPRESS COMPANY
State: PA
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:
I contacted Amex, who placed the inquiry, and asked them to remove their credit inquiry from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no responses from their office. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: Amsher Collection Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a call today from a collections agency ( Amsher ) ( amsherconsumer.com ) from number XXXX asking to pay for {$1000.00}. Related to internet/cable service. originally I thought it was a fraudster attempting to get my credit card information and asked for the name of the company that did the report and account number. The Company is XXXX XXXX. I called the customer service line and the XXXX department and they informed that is an actual account under my name. However, the only information that matches my real information is name, date of birth and phone number The service was opened in XX/XX/XXXX - XX/XX/XXXX in New York. I never requested, authorized a service in NY and never lived in NY. 
XXXX  is reviewing what happened and will get in contact with me within XX/XX/XXXX hours. 

A police report, a report with the three major credit reporting agencies and a complaint with the Federal Trade Commission is already requested.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-26
Company: Atlanticus Services Corporation
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I recently sent a validation letter to XXXX asking for certain information so I can validate the assume debt is me. Upon receiving only two documents from XXXX. I notice that my request was not up held, and I question the validation that this debt belong to me. They did n't send any hard proof that it belong to me. I request original document with signature and agreement to pay, and also date this allege debt became payable.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14
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:
XXXX, TRANSUNION AND XXXX ARE REPORTING IN ACCURATE INFORMATION ON MY CREDIT REPORT. 

XXXX : ACCOUNT XXXX XXXX XXXX   ACCOUNT XXXX ACCOUNT XXXX CHILD SUPPORT ACCOUNT XXXX XXXX XXXX XXXX XXXX / XXXX XXXX XXXX IS NOT MINE ACCOUNT XXXX XXXX XXXX XXXX IS NOT MINE ADDRESS : XXXX XXXX XXXX, FL XXXX IS NOT MINE XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX IS NOT MINE XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX IS NOT MINE XXXX XXXX XXXX XXXX XXXX, FL XXXX IS NOT MINE

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