BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-03
Company: SUNRISE CREDIT SERVICES, INC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have a a unverified account from SUNRISE CREDIT SERVICES. I had previously disputed this account. I have never done business with SUNRISE CREDIT SERVICES. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g ,806. Harassment or abuse, I dispute the validity of the debt purport I owe. I request that SUNRISE CREDIT SERVICES Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on 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 2018-05-03
Company: The Bureaus, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have a a unverified account from THE BUREAUS # XXXX. I had previously disputed this account. I have never done business with THE BUREAUSXXXX   Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that THE BUREAUS -XXXX  Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that _THE BUREAUS -XXXX________ Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18
Company: EQUIFAX, 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 information incorrect

Complaint:
This is an account that is not mine, I 've disputed, I 've produced paper work from the XXXX. They will not remove this account from my credit file. I have no knowledge of what the bank is where it is, if it even exists where I live. I 've never heard of the company and whats most confusing is there is a XXXX balance. this is negatively impacting my credit file and it is not my account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Today I logged into my Experian account and saw that again three accounts were more inaccurate than when I first disputed them as now they are calling 4 years old closed accounts CURRENT so that I have multiple Late payments on my report for open accounts WHICH IS NOT CORRECT! I called on XXXX. XXXX a spent 2.5 Hours On the phone with XXXX who stated he was removing THESE FRAUDULENT LATE PAYMENTS. He was so nice and stated I was correct and no late payments could show on closed accounts that I told his boss he did a great job. YET HE LIED NOTHING WAS CORRECTED! IT SEEMSTHIS IS PUNISHMENT FOR DISPUTING INCORRECT INFO ON MY REPORT! The accounts are : : XXXX, XXXX, and XXXX - these accounts should be removed months ago when I first disputed them for being false. They were never verified as EXPERIAN CLAIMED BECAUSE THE DATE IS YEARS AGO FOR UPDATE! Also unverifiable due to missing basic info like a BALANCE OR DOLA!! Yet, these accounts which at least showed closed NOW SHOW CURRENT WHICH IS A LIE AND GIVES ME FRAUDULENT LATE PAYMENTS WHICH DAMAGES MY SCORE!!!

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: Experian Information Solutions 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:
The following inquiers are reporting unauthorized on my report. I recently was apart of the data breach i have reached out to all 3 bureaus on several occasions with no help. I didnt authorize the pull of my credit from any of these companies listed below XXXX XXXX-XX/XX/XXXX XXXX XXXX -XX/XX/XXXX XXXX-XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX- XX/XX/XXXX XXXX XXXX-XX/XX/XXXX XXXX- XX/XX/XXXX  XXXX XXXX  - XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX XXXX -XX/XX/XXXX XXXX- XX/XX/XXXX XXXX-  XX/XX/XXXX XXXX-XX/XX/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 2018-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The following inquiers are reporting unauthorized on my report. I recently was apart of the data breach i have reached out to all 3 bureaus on several occasions with no help. I didnt authorize the pull of my credit from any of these companies listed below XXXX XXXX-XX/XX/XXXX XXXX XXXX -XX/XX/XXXX XXXX-XX/XX/XXXX XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXXr-XX/XX/XXXX XXXXXX/XX/XXXXXXXX XXXXXX/XX/XXXX XXXX XXXX- XX/XX/XXXXXXXX- XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX-XX/XX/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 2018-05-03
Company: BANCO POPULAR DE PUERTO RICO
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
OnXX/XX/XXXX a deposit was made to my account in the XXXX XXXX by my cousin of {$2000.00} to my account number XXXX. Once I was was told and after receiving receiving a copy of the deposit slip I proceeded to a branch of Banco Popular in New York on XXXX XXXX in the XXXX  which was close to me. To my surprise My ATM as closed and Both of my accounts was closed unknown to me. I was assisted by the Manager of the Branch called the main Branch in Puerto Rico as was told my account was active but my ATM was closed and could not give me the reason why. Since that time I was advice to file a claim on XX/XX/XXXX at the Main Branch in Puerto Rico.the claim number in questions is REF : XXXX-XX/XX/XXXX. I kept calling as was told to call the XXXX XXXX was was a long distance XXXX on the XX/XX/XXXX. I was then told even though my account was closed I was making various transactions of which I was not aware because I only withdrew {$1000.00} of was was deposited to me a few months before. How was I able to withdraw money when to them my account was closed.

I have a medical emergency of which a family member was helping out because of a fall I took in XX/XX/XXXX.

Eagerly awaiting a speedy responce Regards 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 2020-11-14
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: Public record information inaccurate

Complaint:
I received serval responses to the disputes Ive made under FCRA 611 ( a ) regarding the information on my credit report XXXX an alleged Bankruptcy chapter XXXX account unverified information ). I was furious to learn that they obtained unverified information from XXXX and elected to leave the disputed item on my credit report as accurate. I was very interested to know how their investigator ( s ) arrived at this erroneous conclusion that the information the company XXXX XXXX XXXX reported to the credit bureau is accurate. I requested a complete list of all documents and correspondence between them and XXXX, verifying the disputed information. I specified that they included all names and contact information of employees that they spoke to as part of the investigations. XXXX is not listed on my credit report as a creditor and I have no affiliation with them. The US Bankruptcy Court of NC XXXX is the creditor listed for reporting the alleged Bankruptcy chapter XXXX account unverified information. But the credit bureaus said they verified the information with XXXX and not with the US Bankruptcy Court of NC XXXX so there is no valid basis for claiming the alleged Bankruptcy chapter XXXX account information on my credit report is true. 

Due to my frustration, I reached out to the court listed on my credit report US Bankruptcy Court NC XXXX, to dispute the alleged Bankruptcy chapter XXXX information reporting and was advised that they have no affiliation or communication with any credit bureaus relating to bankruptcies. My repeated disputes were they said the verify the accuracy of the information being reported was a lie and they ignored all my requests, which is another violation of Federal Law and evidence so they willfully disregard the law. I advised them that under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified. and I request that they do 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 2018-06-26
Company: EQUIFAX, 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:
Reviewing my credit report. I noticed that Equifax was not up dating current information that was given to them by me or my creditors. 
Approximately in XXXX I contacted Equifax. I questioned their credit scoring methods ( knowing that credit score can not be disputed ). My score was XXXX at that time. After contacting Equifax, the next two months my credit score when down 28 points, without any reason.

I informed Equifax that I have never been late or miss any payments on my mortgage, credit card, etc. Furthermore I have paid off a big debt and lower some outstanding credits, record can show.The way it works is that when a consumer pays down any of its creditors, that consumer credit score will go up. In my case questioning Equifax and paying my creditors my score when lower ... inaccuracies.

Contacted Equifax numerous times with documents from my creditor using ( AUD ) documents. Equifax sent me letters with update, but without addressing my concern of the inaccuracies of my credit score.Investigating with other agencies, the out come shows that my score should be at XXXX. My score shows that Equifax has made some inaccuracies against my score. My score stands at XXXX well below the correct number.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27
Company: NETWORK FUNDING, L.P.
State: UT
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:
Without my permission, mortgage company pulled my credit on XX/XX/2021 to spy who I was going to use beside them, after I told them I didnt want to continue with them!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27
Company: EQUIFAX, 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:
This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I am a customer of Citi Bank. I had an unknown charges from XXXX ( {$1900.00} and {$600.00} ) on XX/XX/XXXX on my checking account. I received a text message alert from my bank with these charges and called Citi immediately to advise them that these charges were fraudulent, not authorized, and should be reversed. I took action within minutes of this charge. I have the texts and call logs to prove both and have attached them. 

The initial text which appeared to be from Citi Bank ( as I frequently receive such texts form Citi ) asked me to unlock my account. Against my knowledge that in turn triggered the XXXX transaction. I realized the inaccuracy right away and called Citi Bank right away. They however have decided to not protect by funds even though I did everything that was necessary to prevent his from happening. I often receive auto texts to approve individual charges/activity from unknown sources as risk mitigation. I did not receive these alerts from Citi. They will also often hold lesser charges to validate them but did not choose to do so in this case even though it was my first transaction with XXXX. 

For clarity, the initial scam text came in at XXXX XXXX, at XXXX and XXXX XXXX  I received notification from Citi of these 2 charges, and at XXXX I called Citi Bank to advise them of the fraud. I did what was necessary to mitigate the fraud however Citi Bank has not. 

Under the standard definition of fraud, someone has gained access to your bank account and made a payment without your permission and if you weren't involved in any way, this is deemed as fraud. If this unauthorized activity is is immediately reported to your financial institution, you are typically able to get your money back after reporting the incident. 

Under Reg E ( Electronic Funds Transfer Act ) I have legal rights to be protected from fraud and scammers. 

Unfortunately this did not play out as it should have and I am turning to you to ensure this is handled lawfully. I appreciate your review of this 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 explanation
Consumer complaint received 2021-05-27
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
WellsFargo Bank Statement Errors as follows : 1. ) In my additional review of my banking statements, I discovered that there are inconsistencies with how my ( Ending Daily Balance ) is posted. On some of my statements the ending daily balance is posted immediately after a deposit is posted, but this is not typical for all posted deposits. Also some of the ending daily balance 's are posted on the last date of entries, for example XXXX to XXXX. But again, this is not typical for all ending and beginning dates, which makes the possibility of errors much more prevalent. 

2. ) The XXXX   XXXX  postings for deposits into my account are also posted incorrectly. The deposits should be posted as from the individual who made the deposit. Instead, it shows the deposit was made from ( XXXX CA XXXX, which is myself, making the transactions totally incorrect. 

3. ) There are absolutely no postings of my declined transactions. These transactions are only sent to me by text message and therefore I do not have a paper trail for said transactions on my actual banking statement. If there is a back charge from the bank for declined transactions, it is not posted on my banking statements. Therefore errors will occur on my ending daily balance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: RI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
To Date : XXXX XXXX - I have received no reply from Foreclosure Attorney for Lender and Loan Servicer regarding my most recent, ongoing written correspondence concerning these matters. 

Specific Disputes : Foreclosure Attorney and their Client Engaging In Recognized Fraudulent Real Estate Foreclosure Activities. 

Related Issues : - Amount due is unsubstantiated and grossly inflated ; substantial fees include legal fees and prior irregular record of payments to account - Payable Lender, Servicer, Mortgagee Fraudulent Assignment Activity, do not coincide with Public Records and remain unproven, unsubstantiated as per 2 Qualified Written Response Requests - MERS Inactive - Assignments on Public Record ( 4 ) Attached - XXXX ( XXXX XXXX on bottom right XXXX Assignment & Recorded Name Error ), XXXX, XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
XXXX is the insurance provider offered to XXXX XXXX customers. They charged ( overdrafted my account ) my account for a device that wasn't returned as if I was able to. In essence they have some shady practices if they want customers to just buy a new phone or pay a deductible twice the amount of a new phone for a refurbished one, well they are very good at ripping people off and have succeeded in doing so. 

I never received the shipping label. I contacted them three different ways to get the address to send the damaged device back to and got no response. 

Attachments See my email attached sent in XXXX. 

See their emails that provided no address for the customer to keep their end of the deal. 

See my account overdrawn for an amount different from what was stated in their email. 

See customer contact form and online portals that either don't work or XXXX is unable to monitor.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04
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: Personal information incorrect

Complaint:
I have called numerous times concerning this address XXXX XXXX. Each time they dispute it and I'm being told it's being removed its never done. I have authenticated my information numerous times and still they can't seem to get it right.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27
Company: General Motors Financial Company, Inc.
State: CO
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 have 2 late payments on my account because I attempted to pay it online repeatedly and I kept getting kicked off the site because of technical issues. I then tried calling but was on hold forever and I had to go. By the time I made the payment the payment was late even though I emailed the company to assist me. I have tried repeatedly to have the company remove the late pay history since its effecting my score and wasnt really my fault its just a difficult website. I have also contacted the credit bureaus but have not gotten the results i had hoped for there either. Please assist me in helping get these removed. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03
Company: EQUIFAX, 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: Account status incorrect

Complaint:
On XXXX XXXX, 2017 XXXX XXXX XXXX received a letter of validation from me. They responded on XXXX, 2017 with a letter and a contract that was allegedly signed by me. The thing is that company 's name is nowhere on the contract. I have never signed anything for XXXX XXXX XXXX. After all of that, earlier this year they repossessed my car after I made arrangements with them and paid money. I tried to get my money back but they lied to the bank and so I had to suffer the consequences. They practically stole XXXX from me, and then they lied about it.

Company response to consumer: Closed with explanation