BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-15
Company: Experian Information Solutions Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
To Whomever This May Concern : First and foremost, this is me, XXXX XXXX submitting this complaint. I am not using a company. This is me filing this complaint. 

I am submitting this complaint because this company named XXXX XXXX XXXX, has shown up on my credit report. I have never heard of this company, I have never had a debt with them or any other company. This is identity theft and it doesn't belong to me. I need this removed off of my credit report asap. This has been removed before as fraudulent and it looks like it has been sold. I am not happy because XXXX, Experian, and XXXX  should not be adding fraudulent items to my report as I am a victim of theft. I am not pleased with this. I have not received any responses to my dispute letters and I am demanding that this is removed from my credit report asap before I have to file a lawsuit per my attached letter.

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 2018-05-03
Company: Monterey Financial Services LLC
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was contacted by Monterey Financial and spoke to a representative. She asked to speak with XXXX. My name is similar but not XXXX. I told her that I saw their company name on my credit report so they definitely have an open collections account but my name is not XXXX, last name was correct however. I explained that I am a victim of identity theft and she hung up on me. I called back and was repeatedly hung up on after explaining the situation. They said since they couldnt verify the account was mine, they couldnt speak to me. They did not ask for any other information to verify the account, only my name.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a paycheck into my Bank of America Checking account. I deposit the same check every month via Cell phone and its made available in 1-3 days. I have been with the bank for over 10 years and have no history of over withdrawing the account. 

I deposited a check for {$3000.00} on XX/XX/2020 from my business account at XXXX. The check cleared my business account on the XXXX but BOA put a 7 business day hold on allowing any of the funds into my account. I went into a branch to request a release and they told me they can not tell me why a hold was placed and there is nothing they can do about it. They are holding the funds until the XXXX for no reason they could give me.

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 2021-03-02
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: UNITED STATES MINOR OUTLYING ISLANDS
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have a statement dated XX/XX/2021 from Carrington Mortgage Company of notice of intent to foreclose. As of XXXX I have, under the Cares Act FHA loan Covid Forebearance as stated under the moratorium until XX/XX/XXXX. Why did I receive this notice. This is a form of intimidation..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27
Company: Experian Information Solutions Inc.
State: NC
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:
On XX/XX/XXXX, I Contacted ALL 3 Credit Bureaus, XXXX, XXXX, And Experian and the Creditor ( XXXX XXXX XXXX ) about an collection account showing on my credit reports that was drastically hurting my credit reputation and adversely affecting my credit worthiness.

On XX/XX/XXXX, I received a response from the creditor ( XXXX XXXX XXXX ) that this account does not belong to them. I find that strange because they have been reporting negatively on my file since XX/XX/XXXX and as recently as this month XX/XX/XXXX as seen on the pictures attached.

XXXX has removed this incorrect negative file off my reports as of today & I feel that Experian and XXXX should do the same being that the creditor has already identified this account is an error, as seen on the complain attached.

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 2017-08-03
Company: EQUIFAX, INC.
State: MD
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:
To whom it may concern, I mailed a Multiple inquiry removal letter to Equifax on XX/XX/XXXX by certified mail to dispute information on my credit file in regards to XXXX hard Inquiries that I did n't authorize. This company received my certified letter on XX/XX/XXXX and I received a completed response on XX/XX/XXXX, confirmation # XXXX. The request that I submitted was for the XXXX hard inquiries that were not factual but I received a response saying, " Inquiries are factual record of file access and if you believe this was unauthorized please contact the creditor, '' and it gave the creditors information. According to FCRA rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ) it states that any information can be disputed and MUST BE INVESTIGATED and if you DO NOT INVESTIGATE AND RESPOND, the CRA mist delete the disputed information from its files. I received a response to my request 4 business days after they received my request so I must assume that no full investigation on this matter even took place. I 'm in the process of purchasing a home for my family and I but I was told with these many inquiries on my file that it looks like a sign of financial trouble, which that is not the case here. I 'm submitting this complaint due to lack of investigation of these XXXX hard inquiries that I have NO KNOWLEDGE OF NOR DID I AUTHORIZE! After receiving this response on XX/XX/XXXX, I called and placed a Security Alert on my credit file which was in place for 90 days. As of today more inquiries were put on my file even after my security alert that I received no knowledge of which whomever was pulling my file was suppose to contact me directly as stated by the security alert. I called Equifax and spoke with agent XXXX concerning these inquiries again because I had not sign for anything nor authorized anything and he informed me that I COULD NOT DISPUTE THIS INFORMATION I had to call the creditor! This is unfair practices by a credit reporting agency with no concern for the worthiness of a consumer and I 'm very displeased with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
There were several non sufficient funds charges. I can not remember the dates. The bank reconciled some of the charges

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 2021-03-02
Company: NCB Management Services Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have received numerous letters pertaining to a debt that has been purchased by NCB. My wife, XXXX XXXX has been in contact with this organization multiple times and was given the option to settle the debt. 

First off, this company has purchased a debt that was charged off and reflects {$0.00} owed to the original creditor, XXXX. I have disputed this charge because it is an online transaction that I did not take complete. There is no signature, only electronic authorization using my information. While I received numerous pages of so called proof of this debt, I am still not certain it is my responsibility. 

My wife called and discussed this debt with collectors that agreed to settle this debt for a one time payment of {$500.00}, a portion of what is owed to satisfy the obligation, still not with certainty that this is in fact my debt. The only request she made was to have this completely deleted from the 3 credit bureaus in which it is being reported. Instead the company per a supervisor, demanded we pay the balance in full in order to delete the trade line. This is an unfair practice. The supervisor advised that only for the balance in full would the tradeline be deleted. He also explained that it could not be deleted. This is deceptive and a false statement by the representative of this company. 

I continue to get calls from the organization after she has spoken to this company and they refused to resolve this reasonably. Most recently on XX/XX/2021 she attempted again to pay the settlement offer of {$500.00} if it would be deleted. The representative continued to say the account couldn't be removed. At this point it is harassment. There is no other reason to continue to call to attempt to collect the debt that they hold hostage over our heads and continue to report on my credit bureau.

Secondly, I have researched this company and do not see where there is a license to collect debt in the State of Georgia per their website. Perhaps this company is a scam, and the accusations that money is owed to this company is all a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23
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: Information belongs to someone else

Complaint:
These are not my accounts or inquires reporting

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 2021-03-02
Company: Garcadia Financial LLC
State: GA
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:
These credit inquiries are unauthorized and need to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 obtain a copy of my credit report and noticed accounts i did not authorize

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 2017-08-01
Company: AMERICAN EXPRESS COMPANY
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
A company from American Express has been calling me on my cell and my home phone number repeatedly every day to collect a payment. I do not have money I recently lost my husband and I have just enough money to live by and pay whatever medical bills I have. I live paycheck to paycheck and I ca n't afford the money they want they keep on requesting a big amount. To make it worse they outsource to XXXX and you always have a XXXX talking to you and you ca n't understand them half the time. This gentleman made me very upset and down. Please help me to stop calling me or get a American talk to me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-02
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
I have a XXXX XXXX XXXX XXXX as paid off and Satisfaction of Judgement order from State WI XXXX XXXX XXXX XXXX # XXXX XXXX   XXXX fully satisfied Each time I try to manage this from the bureaus seems like I can't get it resolved w/o paying more money. i have paid all the big 3 seems getting money is a problem.

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 2018-07-06
Company: CITIBANK, N.A.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
{$520.00} unauthorized charge from XXXX XXXX ( for the 3rd time ) appeared on cc XX/XX/XXXX, and was immediately disputed. Original charge ( {$500.00} ) disputed on XX/XX/XXXX and a 2nd one ( {$510.00} ) on XX/XX/XXXX. Both first and second charges finally resolved and a credit given. The third charge was disputed immediately, and I have worked over 50 hours to resolve with Citi Bank. I have mailed letters, spoken on the phone and worked tirelessly since XX/XX/XXXXtrying to get a permanent credit on this issue. No charge was authorized, no mdse received. I have had 56 separate touch-points with merchant and cc company to resolve ongoing issue.

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 monetary relief
Consumer complaint received 2020-12-03
Company: WELLS FARGO & COMPANY
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Hello There, I used to have a checking account and a secured credit card with Wells Fargo. I was not happy with the way Wells Fargo was handling my account and I decided to close all my accounts with Wells Fargo. 

I open the secured credit card as I was advised by Wells Fargo employee that will help me open my credit ; I have never had a credit card before and I open the secured credit card at their advised. I deposited XXXX and received a secured credit card. 

Sometime om 2017 when I close all my Wells Fargo Accounts at the bank the Banker that helped me closed the accounts even took my secured credit card and clipped she also said that I would not need the card since I was closing my accounts. 

Time went by and I applied for a mortgage and discovered that the card was showing on my report as open and reporting derogatory information on my credit report I hired an attorney to help me clear my credit and they made Wells Fargo return my security deposit however even though Wells Fargo acknowledge that they did not acted in a fair manner towards me. ; They still to this date have not clear the derogatory information on my credit. I called the executive office to put a complaint and the lady that took my call did not know anything about secured credit cards, she did not understand my concern and I have asked for a supervisor she said that she will escalate my concern. 
Weeks passed by and I received a letter from Wells Fargo telling me that after all this years they still need time to resolve my concern.

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 2021-03-02
Company: EQUIFAX, INC.
State: TX
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:
I am not able to apply for credit through equifax. I am not able to apply for anything that uses equifax. I have called and they say nothing is wrong but something is causing these errors in they system.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02
Company: Credit Karma, LLC
State: TN
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 would like to know the date when I gave consent for my information to be stored with these corrupt companies?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-08
Company: Chime Financial Inc
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Chime bank I asked to put my account on hold on XX/XX/XXXX I had my tax return deposit I lost my card and it shows withdrawals atm my tax check was XXXX then I got my stimulus XXXX I didnt think any thing of it so I was post to get a new card and I didnt I cant even get into my account my phone number has been changed my password but I have called chime I have sent everything in that they asked me too its XXXX and still have not heard any thing so I called them back they are saying Im sending my documents to the wrong email I just want my money back and now I dont have aback account but I have every transaction that was made I have all the times someone has reset the password the phone number my number is ( XXXX ) XXXX I just really wish someone can please help me XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03
Company: Experian Information Solutions 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:
as notified before, I am a victim of identity theft, please see all attached documentation for the second time

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 2021-03-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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:
These credit inquiries are unauthorized and need to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15
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:
AFT

ER REVIEWING MY CREDIT REPORT, I CAME ACROSS SOME ACCOUNTS AND INQUIRIES REPORTING ON MY CREDIT FILE WITHOUT BEING AUTHORIZED BY ME. THE ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME AND I HAVE ABSOLUTELY NO KNOWLEDGE OF THE ACCOUNTS AND INQUIRIES. I AM ASKING THAT YOU PLEASE REMOVE AND DELETE THE ACCOUNTS AND INQUIRIES OFF MY CREDIT FILE AS SOON AS POSSIBLE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
Amex wrote to me to say that if the balance on the prepaid card ws not used it would be sent to New York State. I asked what the balance on the card was. Amex did not respond ]

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Capital One, is reporting inaccuracies, amounts and now False Representation of the debt, on a closed/charge off account. I already have a CFPB complaint on file. However in new light, I've been receiving excessive phone calls. My family members and friends from coast to coast, have received calls from the same company. I received messages that it was the SBA, which I was under the impression it was the Government agency for Small Business Association. I called the representative Mrs. M ... who identified herself as SBA Agent. After a moment on the phone she then identified herself as a investigator that was hired by Capital One to find me. She stated that she's been trying to locate me for the debt I owe to Capital One. I don't know this company, I've NEVER heard of them nor do I owe them anything. Capital One has never mentioned them on the phone, by mail or my credit file. 

INACCURACIES REPORTING : ALL 3 BUREAUS different balances different closed/charge off dates different date of last payments dates different account numbers posting past due balance posting late payments ( monthly ) increasing balance ( monthly ) activity after closed dates, today also XX/XX/2020 FCRA VIOLATIONS

Company response to consumer: Closed with explanation