BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-10
Company: EQUIFAX, INC.
State: NJ
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Recently I found out that there is a judgement against me from XXXX XXXX. It is showing under the pubic record of XXXX county that I owe them the amount of {$9000.00}. I have no knowledge about this and i do not recognize this amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18
Company: LoanCare, LLC
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage loan was transferred Loancare about XXXX month ago. As result of the transfer my monthly payment went up by {$110.00} per month. Loancare made an error calculating my escrow deduction by double counting annual tax payments. I 've been trying to resolve this for XXXX month now. I 've called many times, escalated cases to both escrow and tax departments, was hung up on several times when asked for a supervisor. Finally got to a supervisor, and was promised a XXXX day resolution, that was XXXX days ago and still no result. Not sure what to do now, but definitely can not afford paying additional {$110.00} per month.

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 2018-09-28
Company: AMERICAN EXPRESS COMPANY
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
My wife opened a credit card in her name and had my name added it to it later to help build my credit. In XX/XX/2017 my wife had unexpected XXXX XXXX and was mostly unresponsive until XX/XX/2017. I had no knowledge of the American Express card at this time to make payments. I began to get phone calls from family members, specifically my grandmother, stating that American Express was calling them 3 to 4 times a day in regards to a credit card bill. How is it lawful that a credit card company can contact family members and inform them of debt? That is a violation of my privacy. I reached out to American Express in XX/XX/2017 and they informed me of the balance which was astronomical and I told them it had to be incorrect and to please send statements to my address. Next thing I know, we are being served with a lawsuit from an attorneys office. American Express 's own card member agreement states it will send you notice of intention to file suit 30 days before it does so to allow you to work out the bill with them. Not in this case! And as it turns out, my wife reported the card stolen and tons of transactions were made that were not ours. Not to mention almost 5000 dollars in interest and fees!! I try to dispute the negative items but American Express says I must take it up with the attorney 's office. The attorney 's office gives no response on how to handle the fraudulent charges. Now the attorney 's office continues to sue us and file court documents in the wrong parish, causing me to miss entire days of work traveling to a different parish because the attorney 's office won't acknowledge they are filing in the wrong parish. They have filed a total of 3 court documents in the wrong parish, which by FDCP is {$1000.00} per violation. My wife filed bankruptcy because of medical debt and included this card in it. 

American Express has violated SEVERAL FDCP rules. 
1 ) filing in a parish where I do not live 2 ) Harassing phone calls to family members. My grandmother thought I was going to be arrested. It's extremely embarrassing.

3 ) Illegally informed third party about my personal debt 4 ) Failed to send written debt validation letter. Violated their own personal card member agreement by not informing us of their intent to file suit 30 days before.

5 ) Ignore my requests to dispute fraudulent charges ( I have a police report that proves card was stolen. ) 6 ) Collecting interest/fees/money not owed. Thousands of dollars charged in interests and fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19
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:
XXXX XXXX XXXX XXXX Account number XXXX The late payments reported on this closed account are not accurate. All three credit bureau 's are reporting different information. 15 U.S.C. 1681s-2 [ A ] [ 1 ] A person shall not furnish any information relating to a 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
Consumer complaint received 2022-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXX XXXX Account number XXXX The late payments reported on this closed account are not accurate. All three credit bureau 's are reporting different information. 15 U.S.C. 1681s-2 [ A ] [ 1 ] A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I recently reviewed my credit report and noticed several unauthorized inquiries. Please remove these immediately as they are affecting my ability to obtain credit. 

XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2015-03-20
Company: WELLS FARGO & COMPANY
State: NV
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
On XXXX XXXX, 2014, I went into a Wells Fargo Branch in XXXX XXXX to open a new Business Checking Account ( I have been a customer of Wells Fargo for almost 30 years ). I had opened another business account with Wells earlier that year ( even though I never applied for a credit card with that account -- they sent me one -- claiming I had applied ). As a result of that previous issue, when I went into the branch on XXXX XXXX, 2014, I specifically advised the banker, that I did not want any credit cards, and only wanted a Business Checking account -- and nothing more. I spent close to an hour discussing the account with the Banker ( his name was XXXX XXXX -- his family were attorneys in XXXX XXXX, with his grandfather having been a XXXX -the Federal Building bears his name ). XXXX XXXX fully understood I did n't want any credit cards. 
Two or three weeks after opening the account, I received a notice from Wells Fargo that my business had been approved for a {$15000.00} credit card. I immediately went into the Wells Branch and met with XXXX XXXX -- he advised me he had learned of the credit card and had reason to believe that an employee within his branch had forged my signature -- as he did not submit a credit card application. He further advised me that upon learning of the credit card he told the branch manager that I did not apply for a credit card nor did I sign any authorization for a credit card. XXXX XXXX suggested that I should request all documents from the Bank regarding my business account -- which I did ; the documents I received -- contained XXXX signatures -- only XXXX of those signatures is mine. The other signature is a forgery. 
I have brought this to the attention of Wells Fargo ; they have told me they would investigate -- I sent a follow-up email to the person supposedly handling the matter at Wells Fargo -- yesterday she responded that she would ignore all of my emails and not provide me with any response -- it was as though this person was covering up for the person that forged my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13
Company: Resurgent Capital Services L.P.
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:
i've disputed fraudlent items on my credit report and the credit bureaus have not helped me resolved the problem

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11
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 an updated credit report today XX/XX/18 from experian now they have listed XXXX XXXX XXXX XXXX twice as a charge off on my report. I am fed up as I cant get any help with experian correcting this. This account I disputed several times because it was confirmed to be removed off my report now its listed two times. Which affects my credit score in a negative way. Also XXXX  XXXX XXXX was to be deleted as well but is still appearing on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-02
Company: Convergent Resources, 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 checked my credit and saw an account from convergent for XXXX. I have never had an account with sprint. I have filed a identity theft affidavit ( reference number : XXXX ) with the FTC. My sister in law XXXX XXXX XXXX used my information to open this account.

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 2023-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 submitted a letter to the Credit Bureaus to correct these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXXXXXX 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 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 2022-11-19
Company: EQUIFAX, INC.
State: MI
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 federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11
Company: Pressler & Pressler, LLP
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I was sued by Pressler and Pressler after telling them over and over again that the dept was not mine. They did not care and said I had to pay it regardless. I have n't known what to do about this until I read about their attorney review practices. I am most certain the lawsuit against me was illegal, yet I am now making payments on a debt that is not mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-06
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
XXXX XXXX XXXX was removed off my credit now its back on my credit and its damaging my credit score with Equifax. 

It was reinserted with no knowledge of information that it was going to be reinserted. I am a victim of identity theft and I advised them of that it was not reinstered on XXXX nor XXXX, but on Equifax. 

I would like for it to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-08
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I recently reviewed my Equifax Credit Report. I continue to view Inquiries made on my Equifax Credit Report that I do n't recall authorizing. Equifax continues to reply to my disputes regarding inquiries with a standard response EVERY SINGLE TIME. The response is the following ( Case number # XXXX ) " Equifax has reviewed your complaint and its records regarding your dispute. Please be advised that inquiries are a factual record of file access. If you believe the inquiries are unauthorized, Please contact the creditor directly and follow their internal fraud procedures. Written confirmation has been mailed to you ' ''. This is contradictory to several of my previous disputes through XXXX regarding inquiries displaying on my Equifax Credit Report. The following are the case numbers with XXXX that Equifax did not reply with the standard response and had the inquiries removed, XXXX & XXXX. I am requesting that Equifax remove the following inquiries from my Equifax Credit Report ... .. 
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 EQUIFAX MORTGAGE SOL XXXX XXXX, XXXX ( I 'm not in the market in Buying or attempted to buy a house in over 2 years ) 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 In my complaint with CFBP # XXXX I SPECIFICALLY REQUESTED that Equifax not to reply with there standard response. Unfortunately Equifax continues to not honor my request and continue to damage my credit worthiness and credit score for knowingly and willingly to not COMPLY WITH THE FCRA. I provided evidence that Equifax has previously removed disputed inquiries without me having to contact the creditor. Furthermore, I have contacted the Creditors as Equifax requested and each creditor has told me " I need to CONTACT EQUIFAX ''. Please stop these delay tactics. 
If after the investigation Equifax believes that the inquiry are legitimate I demand that Equifax provide me the name of the Equifax Representative who conducted the Investigation and the name of the individual ( creditor ) that was contacted to confirm that the inquiry was legitimate. Furthermore, if such evidence exist I demand that Equifax send me a copy of such alleged documents so I can verify it 's validity.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
We was purchasing vehicle from a dealership and arrived with my own financing. These inquiries are not authorized. XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX & XXXX XXXX XXXX XX/XX/XXXX Please have these inquiries removed as they were not authorized. 

Letter from dealership is attached to this complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Company: EQUIFAX, INC.
State: CA
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:
XXXX is giving me a hard time getting my report no live operator or options keeps hanging up or wanting sensitive over and over same questions

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-12
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NC
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Taking out the loan or lease

Complaint:
I leased a vehicle with XXXX XXXX Nissan in XXXX, NC. It was a three-year lease ending XX/XX/2016. In the lease contract, under the heading " Purchase Option, '' it states : " You have the option to purchase this Vehicle 'AS IS ' from the originating dealer ... in cash for the Purchase Option Price, plus any official fees and taxes, vehicle inspection costs required in connection with the purchase, and a Purchase Option Fee of {$300.00}, which fees, taxes, and costs are not included in the Purchase Option Price agreed to in Section 6. '' The Purchase Option Price under the lease was {$16000.00}. The lease also contains a section defining official fees and taxes as including only " registration, title and license fees, and personal property taxes. '' When I went to the dealership to exercise my purchase option under the lease ( the same dealership I leased the vehicle from ) it tried to charge me an additional " Administrative Fee '' of {$690.00} and an " Electronic Filing Fee '' of {$120.00} in addition to the other official fees and taxes and vehicle inspection costs. When I complained, the sales manager XXXX XXXX, admitted that these administrative fees were not disclosed in the lease contract, but refused to remove them. He said that if I did n't want to pay them, then I would not be able to exercise my repurchase option and would have to return to the vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-17
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XXXX XXXX, XXXX I froze my credit with XXXX and XXXX, with no problem, online. Using the same information, I tried twice with EXPERIAN and was told they could not freeze my report with the information I had given. It was the same as I had given the first XXXX! Then I tried to call and got an XXXX service which gave me no way to freeze my account, only an address to send copies of multiple documents. I then tried to email them the following message, but they have no email address listed where I could file any complaint or ask questions. I wrote : Please tell me why you will not accept my freeze online or by phone, even though your website says I may? I had no trouble placing a freeze with XXXX or XXXX online! What is your problem? Please reply asap. I am sure I am not the only one who is infuriated by your request that I photocopy and send many documents to you by snail mail! XXXX is of the essence since the XXXX hack! 

I consider Experian 's obstructive behavior a violation of my right to receive fair treatment and an answer to my questions. my identity might be stolen because of their actions and inaction to protect my 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 explanation