BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-11
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: Information belongs to someone else

Complaint:
I have several address account that are due to identity theft and I have filed a report after constantly trying to get you all to correct it.

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 2018-05-18
Company: CNG FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
XXXX XXXX XXXX XXXX was the original creditor for a pay day loan i had in XX/XX/XXXX, the new owner of this zombie debt XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SAINT XXXX, MO XXXX, re-aged this debt to XX/XX/XXXX. In an attempt to keep this debt alive and on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26
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:
Good morning, I recently pulled my credit report through a website called XXXX. I saw there were a few accounts and cred.it inquiries on my credit report without my knowledge I contacted the 3 credit bureaus regarding these accounts and they were no help at all. This is very frustrating because I keep on calling and calling and still nothing. I feel like I am getting the run-around. I have also called these companies where the fraud happen and they could not verify my information. I am a victim of identity theft. I have attached the FTC report below along with my driver 's license and social.

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 2020-06-04
Company: EQUIFAX, INC.
State: PA
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 is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown ac-counts from my credit report as soon as possible. 
XXXX {$700.00} XXXX {$700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
Remove the inaccurate accounts

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 2020-07-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
My husband and I have had a Capital One credit card for several years. Due to the COVID-19 State of Delaware mandates, non essential businesses were ordered closed on XX/XX/20 ... my husband is XXXX and the XXXX  he XXXX  and XXXX  was ordered to shut down indefinitely due to the crisis. We contacted our landlord, utility companies and creditors. We also have several credit cards that are used for personal and business purposes. The credit card companies, as a whole. have proactively waived late fees, and if customers needed to defer payments, took requests for payment deferrals due to COVID-19 related income interruptions ... all of our creditors were contacted by online request .... all except Capital One. Capital One only had customer service available by telephone. 
Following is our recent payment history and dates Late Charges were assessed XX/XX/XXXX pymt XX/XX/XXXX pymt XX/XX/XXXX LC  XX/XX/XXXX pymt XX/XX/XXXX LC   XX/XX/XXXX pymt We doubled up payment in XXXX only to be assessed Late Charge in XXXX & XXXX with payments only two days past due date. Capital One has provided no online service to request payment deferrals and no waiver of late fees despite widespread national and state unemployment and deferrals of foreclosures, repossessions and judgements due to COVID-19. Because Capital One makes it necessary to contact customer service by phone, I attempted on three separate occasions ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) and spent over two hours on hold. When I finally got through and spoke with a representative, the rep ( and her supervisor ) told me that I could not request a payment deferral because I called too close to the payment due date, and I could not request a late fee waiver since I was only an authorized user. Was told my husband would have to call back during the next billing cycle. That is absurd, and was purposedly designed to make it extremely inconvenient for customers to get relief. My husband is not good on the phone and would never be patient enough to hold and should be allowed to make requests online or via email, like all the major banks provide. Even though I explained how many times I already called and how much time spent on hold waiting for help, Capital One provided no further assistance. We have card accounts with XXXX  XXXX XXXX, XXXX, XXXX who all automatically waived late fees ( no request needed ) and had online service to request payment deferrals. I sent emails directly to the executives listed on Capital One website and never received any response.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-17
Company: EQUIFAX, INC.
State: IN
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:
On XX/XX/2018 XXXX XXXX XXXX conducted an unauthorized hard inquiry into my credit reports. I did not inquire on any loan in XXXX of 2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/2018 an offer was submitted to Mr. Cooper Short Sale department. After several attempts to inform the lender of the Condition of the Home and several Reports ( included in this Complaint for review ) the lender responded with a Misinformed opinion of the Condition of Value and Included the Existing Square Footage as addition Square footage and requested a Price of {$270000.00} for a property that is only worth {$180000.00} at best. We have an Independent HUD/FHA certified appraisal of our own included for the review but they did not consider it either. In their own words they mention the Contractors estimates could not be considered as the Broker is not a licensed Contractor and could not give an Value or consideration to the review. The Broker who conducted the BPO is only a broker and is limited to only recent Comparables in the area and also stands to Gain the Listing if and when the Property get foreclosed on. A very Suspicious Practice indeed. The Review that was sent back is Included for your oversight into this matter. Please assist in this case as all we are requesting is that an actual independent appraisal be hired to conduct an As-IS appraisal not a Subject to appraisal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
in re : # XXXX Dear Wells Fargo, Your response is not sufficient, and I can not accept it. 
At this time, I am requesting to exercise my rights to dispute resolution by binding-arbitration, as stated in the 'Deposit Account Agreement ( s ) ' that were effective when I was a consumer. 
Please provide me with WF 's complete mailing address, legal email address, and fax number so I can begin the arbitration process with the XXXX XXXX XXXX. Failure to do so will be regarded as a breach of the terms which were mutually assented to.

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 2020-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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: Investigation took more than 30 days

Complaint:
There are three items listed on my credit report that are actually past the statute of limitations and when I started this I did exactly as they said I submitted my request in writing and the information was sent on XX/XX/2020 after 45 days there was no response another dispute was send XX/XX/2020 still nothing. There is nothing in the Care 's Act that indicates the credit bureaus are allow longer than the allotted time of 30-45 days.

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 2023-01-03
Company: JPMORGAN CHASE & CO.
State: TX
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:
Wire fraud took place on XX/XX/XXXX in the amount of {$9300.00} plus a {$25.00} wire transfer fee. I went to the XXXX XXXX, TX branch and personally tried to stop this transaction. The Wire transaction occurred at XXXX and Chase claimed they were unable to stop the fraudulent wire transfer. I was advised it would be XXXX bus days for them to investigate/return the funds. It has been XXXX bus days ( even with the holidays ). Chase filed the claim on XX/XX/XXXX and froze our account. Created a new checking account so they perpetrator couldnt access funds any longer. I was advised by XXXX at the branch that she filed a wire fraud case number : XXXX. I have tried to reach someone to get updates on this research and have been told by XXXX that there is no one I can reach out to. She had previously advised I could call the number on the back of my debit card and ask to speak to someone in the wire dept. After being transferred 7 times, no one was able to help. We feel Chase has no incentive to assist us and are ignoring this. I also tried contacting XXXXXXXX XXXX directly. The wire transfer was sent to a bank account with the name XXXX XXXX XXXX to XXXX XXXX XXXXXXXX XXXX. They refused to tell me if they received any electronic notification from Chase requesting my funds to be returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX XXXX XXXX violated my rights by not notifying me of my right to dispute. 

Item appeared on my credit between XX/XX/2018 and XX/XX/2018, with no prior notification that they had purchased a debt, and that they Intented to report to the credit bureaus. They failed to notify me of my right to dispute.

As this is a clear violation of my rights remove asap.

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 2021-06-29
Company: Capital Accounts, LLC
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:
I applied for a credit card with my social security card on XX/XX/2021. According to 15 USC 1681a ( 2 ) ( B ), any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device, should be excluded from a consumer credit report. 15 usc 1602 ( I ) states the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit. Notice, Congress said ANY card. The credit card that was used was my social security card to obtain money, which is illegal, then reported it to my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
Good Afternoon, RE : Account Number - XXXX After viewing my credit report I noticed inacurrate information listed on my report. I submitted a dispute to the 3 bureaus ( TransUnion, XXXX and XXXX ), XXXX deleted the account due to unverifiable information. However TransUnion and XXXX have yet to remove the account and provide me with the requested inforamtion. 

After receiving no response from TransUnion and XXXX I pulled my credit report for a second time and noticed that neither bureau made remarks on my credit report stating that account XXXX is in dispute. Per the FCRA ; Indication of dispute by consumer. If a consumer reporting agency is notified pursuant to section 623 ( a ) ( 3 ) [ 1681s-2 ] that information regarding a consumer who was furnished to the agency is disputed by the consumer, the agency shall indicate that fact in each consumer report that includes the disputed information. Counting the number of days between pulling my credit report I've determined that it has been 60+ days since my first dispute and neither bureau have listed the account as " in dispute ''. 

Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. 

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 

Im requesting TransUnion and XXXX provide me with the following : What the money XXXX XXXX say I owe is for. 
Explain and show me how you calculated what you say I owe. 
Provide me with copies of any papers that show I agreed to pay what you say I owe. 
Provide a verification or copy of any judgment if applicable. 
Identify the original creditor, as the original credotr listed is just " medical '' Prove the Statute of Limitations has not expired on this account. 
Show me the you are licensed to collect in my state. 
Provide me with your license numbers and Registered Agent or Agent of Service. 

Because of the FCRA violation and no response, as well as failing to validate the account Im requesting to have the account removed from my credit 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 non-monetary relief
Consumer complaint received 2023-01-03
Company: Experian Information Solutions Inc.
State: FL
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, XXXX XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

1. Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Delete this account immediately, unless you want to be held {$1000.00} per violation 2. Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Delete this account immediately, unless you want to be held {$1000.00} per violation Sincerely,

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 2023-01-03
Company: Resurgent Capital Services L.P.
State: IA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have reached out to this debt collector ( LVNV FUNDING LLC ) about a reporting i'm seeing on my credit report. I don't recognize the account with the Original Company so i sent a letter to the debt collector asking them to verify the account by sending proof of this alleged debt with their company. They send me a statement of the credit card that's in question, not anything that's linking me to this credit card ( proof that this debt is mine ). I did not have any credit card with this company XXXX of XXXX  to XXXX of XXXX. This is damaging my credit. I have the right to a fair and accurate credit report and i feel that I am being deprived of my rights. I ask that this deleted immediately. Its been over 2 months of going back and fourth with this company for them not to completely cooperate with me, this is my life here.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18
Company: WELLS FARGO & COMPANY
State: OK
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
they call everyday the last time was XXXX XX/XX/XXXX. they have my name and number but but have me married to someone else, I do not owe this bill.

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 2020-09-17
Company: Resurgent Capital Services L.P.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
COLLECTION COMPANIES REPORTING SAME ACCOUNTS 2X ON FILE AND OUTDATED REPORTING INFORMATION

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08
Company: Accounts Receivable Inc.
State: WA
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:
On XXXX I issued a CFPB claim against Accounts receivable report number XXXX. Accounts receivable states that it has not re-aged the negative debt account number XXXX { See attached X-1,2 } My XXXX  and and XXXX  credit report dated XXXX { See Attached X-3,4 } show that the date of first delinquency as XXXX and an on record date until XXXX, XXXX. This contradicts the statement accounts receivable stated on XXXX that XXXX XXXX XXXX XXXX charged off the debt XX/XX/XXXX CFPB report XXXX { see attached X-1,2 } This in turn would mean a 12 year negative debt reflected on my credit report, this is well passed the statute of limitations of 7 years. The debt has been re-aged by accounts receivable, it's statements are frivolous and false and have no merit. Accounts receivable is in violation of the fair credit reporting act and has violated my rights. 


Accounts receivable states in their response to CFPB report number XXXX { see attached X-1,2 } dated XXXX that consumers current address is listed on the statements it provided to verify the debt which is XXXX XXXX  XXXX XXXX WA XXXX. This is not my current address and have never lived at that address. I have enclosed XXXX  credit report dated XXXX to reflect my current address and previous addresses dated XXXX { see attached X-5 } I  was never notified of this debt in writing to challenge the validity of the debt. this is a violation of the fair credit reporting act and must be deleted from my credit file. 


Accounts receivables has blatantly provided false statements to The CFPB about this debt 's current status along with false statements of validity of the debt. Accounts receivable claims has no merit and must be removed from my 3 credit reports. My Fair credit reporting rights have been violated as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23
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: Information belongs to someone else

Complaint:
I have been the victim of identity theft, due to the identity theft there have been several accounts opened up using my information that I did not open nor did I authorized it to be opened up using my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: SYNCHRONY FINANCIAL
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My credit was fraudulently used by XXXX XXXX XXXX  and syncB/value c was added twice and this is effecting my credit please take the time to look into it.

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