BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-08
Company: Source Receivables Management LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have been an XXXX  customer for over 10 years, since I wanted to have access to XXXX app, XXXX installed a cellular transmitter which gave me the ability to access the system via the XXXX app on my cell phone. When they did this, XXXX made me sign a new three-year contract even though no new keypads or sensors were upgraded. XXXX months later I got married and we sold my house. 

In an attempt to fulfill the new contract, we were willing to transfer the service to our new home which we purchased and remodeled by taking it down to the studs. During the remodel, we asked XXXX to come out to do a pre-wire to ensure all of the wiring in the new home was embedded ( hidden ) in the walls. In fact, all of the visible wires that were on the exterior of the home were removed and we paid over {$1000.00} to have all of the utility wiring buried. We called twice to have them come out to do the wiring before we put the sheetrock back on and we were informed that they would only come out once the remodel was complete. 

Once the remodel was complete, the XXXX installer came out and informed us that they would need to use white wireless sensors that are mounted directly on the stained wood door. He also let us know that the control panel would have to be mounted above the electrical outlet and that the transformer would have to be plugged into the outlet below which, like the sensors, would be visible in the room. Given we spent over $ XXXX on the remodel, this was unacceptable. 

When we inquired about the recessed wireless sensors that are on the market, we were informed their new state of the art panel, XXXX XXXX, did not work with any of those. 

I spent over 49 minutes in the telephone and was bounced around to three different reps trying to find a solution that would allow us to fulfill the contract I had at my old home. When I offered to install my own system that was compatible with the recessed wireless sensors and then have XXXX continue to monitor the system to fulfill the old contract, I was transferred to a fourth rep who claimed she couldn't hear me and asked that I call back! 

In the meantime, XXXX has decided to send our account to a collection agency! Needless to say, we are very frustrated and believe XXXX, after 10 years of loyal service, has really let us down. At this point we just don't know what to do! 
We posted a complain on consumer affairs and a representative answered that would give us assistance, but of course, no calls were received from XXXX. 
We want to be released from the old contract and not have to pay the penalty of {$1100.00} or any penalty for that matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


OPEN : Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number XXXX XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX CLOSED : Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number XXXX XXXX XXXX  XXXX XX/XX/2022 - UNAUTHORIZED INQUIRY XXXX  XX/XX/2022 - UNAUTHORIZED INQUIRY XXXX XXXX XXXX XXXX XX/XX/2022 - UNAUTHORIZED INQUIRY XXXX XX/XX/2022 - UNAUTHORIZED INQUIRY XXXX XXXX XX/XX/2022 - UNAUTHORIZED INQUIRY According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28
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:
A fraudulent account appears on my credit that I do not recognize. The account is : XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Reporting inaccurate and unverified information on my consumer reports which is harming my reputation as a consumer and hindering my ability to make necessary banking transactions. Reporting alleged debt of {$22000.00} allegedly owed to XXXX XXXX XXXX. Reporting alleged debt of {$1100.00} and {$2800.00} allegedly owed to XXXX XXXX XXXX XXXX. Reporting alleged debt of {$3300.00} allegedly owed to XXXX XXXX XXXXXXXX who I have no written contract with. Reporting alleged debt of {$1100.00} allegedly owed to XXXX XXXX who I have no written contract with. Violations of 15 USC 1692b ( 2 ) -stating that I owe debt. Violations of 15 USC 1692d ( 1 ) harming my reputation as a consumer. Violations of 15 USC 1692d ( 2 ) using obscene language that I, the consumer find abusive.

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 2023-11-28
Company: FISERV INC.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
Once again everyone 's research ( XXXX, XXXX Bank ) points to FISERV as being the culprit which continues to arbitrarily, capriciously, and without punishment blocks our legal fee payments from customers and clients, further driving our law firm into bankruptcy ( XXXX case index no XXXX and XXXX ). 

This all the while CFPB and other agencies still have our open complaints against FISERV open, and unanswered. 

Please get on top of this immediately.

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 2020-01-08
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Hello my name MrXXXX XXXX XXXX, im reaching out because I'm having issues with my Bank Institution Citibank, Especially with there customer services over the phone I'm requesting for them to remove the block they have on both of my checking accounts a There no help over the phone nor online including the branch. I'm XXXX XXXX veteran, due to my health condition I cant travel to the nearest bank. 
Checking acct ending XXXX {$19.00} Checking accounts ending XXXX {$7000.00}

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 2020-01-08
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Ive been a homeowner for 19 years was never once late on my mortgage in 19 years until the end of 2019 when I was out of work due to an injury and had XXXX surgeries and was not receiving any income. In XX/XX/2019 I called Bayview they sent me up on a fresh start program that forgives the few payments I was behind even though I was paying each month and set me up on auto pay I thought everything was fine and when I went to go make my payment in XXXX the website would not let me nor over the phone it would transfer me to a loan specialist who Ive been calling for over a month and he has not called back I finally got a hold of yesterday and he proceeds to tell me that XXXX who I spoke to in XXXX never put me on the fresh start program and completed the process which no one ever called and advised me that and now he tells me that my mortgage is in foreclosure and theres nothing he can do for me he said he has a modification which I will not except my interest rate is at 4.25 % on a 30 year fixed and he wants to give me a modification Starting at 8.75 % and an annual increase adjusted interest rate every year and I will not except that offer I said I was in a fresh start program and to my knowledge I should be current and able to make XXXX payment. Also for 19 years I never had escrow included in my mortgage and I received a statement that all of a sudden in XX/XX/2019 they want to add escrow into my mortgage payment and my original mortgage with XXXX has a stipulation that escrow was not included in my payments and also my mother and my uncle help me and they pay my property taxes they will not fix this and take my escrow out

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28
Company: Square Inc
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
This payment was supposed to be for a deposit towards the rental. It was Fraud. 
They mislead me with false charges towards a rental that never existed. 
I've tried to contact these scammers multiple times for a refund. No response or refund. This has caused a hardship. 
This amount goes with the other disputes i filed in the past towards the rental lease. Its all fraud and was a scam. 
This case should combine with my previous disputes as one combined request of fraud. 
Id appreciate it if you reopen the case and label this as fraud. 
I have sent all of my records and documents to the email prior to this. 
Here are the additional payments that i recognized in addition to previosu amounts i filed a dispute for. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28
Company: LEXISNEXIS
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
According to the FCRA, credit reporting bureaus can block information from credit reports if the information is in dispute of fraud and/or if identity theft occurs. This is not a complaint but rather asking that while there's an ongoing investigation with XXXX XXXX XXXX XXXX that the credit bureaus block all disputes under investigation until the investigative disputes are completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: Experian Information Solutions Inc.
State: NC
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-08-22
Company: CAINE & WEINER COMPANY, INC.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2023 I received a text message from XXXX XXXX XXXX XXXX to validate a charge of {$490.00} for XXXX XXXX. I rejected the request and called the credit card company. They closed out my credit card and started an investigation for the attempted charge. 
On XX/XX/2023, I checked my mail and received my bill from XXXX 's credit card showing a chargeback to my account for the {$490.00}. I called XXXX on XX/XX/2023, and they said the charge did not go through so they removed the credit for the investigation. 
I then opened the mail from Caine & Weiner and later found out they are a collection agency for XXXX XXXX. I also called the company on XX/XX/2023, to let them know the charge was fraudulent and they said they receive the charge for collecting around XX/XX/2023. 
Caine & Weiner mentioned the account was opened online for gambling. They gave me my address, dob, social security number, and of course my name. All the information provided was an exact match of my Personally Identifiable Information ( PII ). They did not believe that it was a fraudulent charge. 
Craine Weiner said I have to provide a police report number. I filed a police report on XX/XX/2023, XXXX, and called Caine & Weiner and provided the police report number, they said they will get back to me in 2 weeks. 
I am very concerned since someone has all my PII and I am not sure what happened between XX/XX/2023, and today. I am only aware of this one attempt because it came to my attention via a collection agency. 
What can I do to protect my PII today and moving forward?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28
Company: Friendly Finance Corporation
State: MD
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company has repeatedly called our business line in attempt to collect a debt from one of our employees. I have repeatedly told them that they must call the personal phone number they have on file for the individual. They continue to call multiple times a week and have just today ( XX/XX/22 around XXXX XXXX EST ) asked me to give the employee the message to " call his finance company, we are looking for his car '', after getting in an argument with me because I asked they call his personal number. At this point, this company is harassing our business for a personal debt of one of our employees and it needs to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
According to 12 CFR Part 1026 ( Regulation Z ), the finance charge is the cost of consumer credit as a dollar amount. It includes any charge payable directly or indirectly by the consumer and imposed directly or indirectly by the creditor as an incident to or a condition of the extension of credit. It does not include any charge of a type payable in a comparable cash transaction. 
The finance charge assessed by the company at the time of signing documents includes any charge payable and imposed. Due to this fact, any and all late marks found on any of my consumer credit reports by the company are inaccurate and need to be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting 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:
My name is XXXX 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 explanation
Consumer complaint received 2023-01-16
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I was a victim of theft in XX/XX/2021. My purse was stolen with all my identifications in it. I made a police report in XXXX XXXXXXXX XXXX. ( case # XXXX ) I have been trying to purchase a home for my family and this is causing my denial for a loan. I have disputed with all XXXX credit bureaus and the company itself. I spoke to XXXX XXXX XXXX XXXX XXXX XXXX and they have no record and they advised me to request the credit bureaus to remove it from my report. No one has taking the time to fix the credit error. This account does not belong to me. I have also sent them a copy of all the different information reporting on the same account with each credit bureau I even sent a XXXX letter because I know this is not mine. They have not provided any proof nor removed it. XXXX XXXX XXXX XXXX XXXX XXXX also said they can't find anything on this account. Please help

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 2023-08-22
Company: Chime Financial Inc
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
On XX/XX/XXXX, a false tax return for the year XXXX was filed in my name and social security number but the first name belonged to my sister XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This was a requirement to obtain stimulus..she is on SSXXXXI so she was not eligible She also, I believe, opened a chime account in my name with her address XXXX XXXX XXXX XXXX XXXX Virginia to deposit my stimulus payments into this account the checks were sent out on XX/XX/XXXX ( {$1200.00} ) XX/XX/XXXX ( {$600.00} ) and XXXX of XXXX ( {$1400.00} ). I need to file a complaint because I am having trouble getting the records for this account. I have also filed a complaint and a case with the Federal trade commission and the IRS criminal investigation unit. I also plan to file a complaint with the XXXX XXXX XXXX and try to take legal action against chime and the IRS my sister 's real name is XXXX XXXX XXXX XXXX XXXX XXXX in XXXX Virginia XXXX all IRS correspondence from XX/XX/XXXX till XX/XX/XXXX had her first name on it but my social security number which is the reason for the identity theft situation. I can not get the checks from the IRS since it is a criminal investigation but I want to file this complaint because Banks need to be held accountable and need to do more research when they are cashing amounts of money in that size the total amounts of money is {$4.00}, XXXX approximately that I am aware of

Company response to consumer: Closed with explanation