BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-24
Company: CL Holdings LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/XXXX I was contacted by a collections agency regarding a delinquent debt with XXXX XXXX around {$110.00}. I told them I did not have any outstanding debts with XXXX and they had the wrong person. I followed up directly with XXXX XXXX, my cellphone provider, and XXXX XXXX validated that my account " has always been in good standing. '' Monday XX/XX/XXXX, at XXXX EST, I was contacted by " Jefferson Capital Systems '' headquartered in XXXX XXXX, Minnesota again on my personal cellphone number. The representatives name was XXXX and he was in calling from XXXX, XXXX. 
XXXX was collecting an outstanding debt as a result of a delinquent account held by XXXX XXXX in the amount around {$110.00}. 
I insisted that this was not my debt, stated I already told them the last representative this in XX/XX/XXXX, I had previously called XXXX to make certain my account was in good standing, and " Jefferson Capital Systems must stop calling me concerning an outstanding this debt with XXXX. '' XXXX pressed me to validate my date of birth and last four of my Social Security Numbers. I refused three times because I am not legally required tto do this, he is a stranger, and this debt collection is illegitimate & not mine. 
XXXX said he would read the last four Social Security numbers of the person responsible for the debt. 
I said that is illegal for him to do. I do not want to know their social security numbers, and I want nothing to do with this. I told him stop calling me. 
XXXX then said the only way the calling can stop is for him to read the last four social security numbers aloud to me and I had to say whether they were mine or not. If not mine, then and only then, I would stop receiving debt collection calls from " Jefferson Capital Systems concerning outstanding this debt with XXXX. '' I reluctantly agreed. XXXX  read out loud the last four Social Security Numbers. 
I stated : " No. Those are NOT my last four Social Security numbers and you must stop calling me. '' He agreed to stop calling me. I said I was reporting this to the CFPB and he said " XXXX you're taking this too far. '' Call ended. 
Phone number from : XXXX Phone callback number ( per XXXX ) : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-16
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 information incorrect

Complaint:
I have a credit card with XXXX XXXX. I am not disputing anything on my credit reports in regards to my card On my XXXX XXXX report it states this in the status / remarks comment section " Account information disputed by consumer, meets FCRA requirements. I am not disputing anything with my XXXX XXXX XXXX with XXXX XXXX. On my Equifax regarding the same XXXX XXXX Account. The remarks section says " Consumer disputes this account information ''. The remark section should be blank. I am not disputing anything with XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-28
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NC
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
A payoff was requested from Carrington Mortgage Services apprx two weeks ago by XXXX XXXX XXXX XXXX XXXX XXXX to close on a refinance and Carrington has NOT and continues to refuse to supply the legitimately requested information which is having a NEGATIVE impact on the refinancing of the VA loan to a lower interest rate, additionally Carrington was given an opportunity to offer a better interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24
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:
I decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX XXXX {$1000.00} DEPT OF ED/XXXX  XXXX {$4100.00}

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 2019-08-07
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:
Trans Union is reporting an incorrect bankruptcy on my credit history. It is not mine. I sent documentation. They stated they verified it. They did not. The Court DOES NOT give any information to ANY outside sources. They never provided me proof this belongs to me under FCRA they are required to do so.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XX/XX/2020, I tried to unfreeze my credit report on Experian. I went on their website and entered my PIN but the form did not recognize the PIN, so I selected another option to answer questions. After answering the questions, the website said I made errors and so I was not able to unfreeze my credit online or by phone ( I tried doing it by phone but I got the same PIN error message ). I tried again the next day XX/XX/2020 and got a notice on their website that they are having technical difficulties. I tried calling Experian to no avail -- they only have automated answering robots that do not help my case. The only option they are giving me from my online account is to send them documentation by mail, including utility bills, a copy of my driver 's license and social security card. I do not want to compromise my identity by sending all of this information by mail. I believe this is not a fair practice as it is not my fault that their website is having technical difficulties.

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 2022-04-28
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 XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the collection agency however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24
Company: SYNCHRONY FINANCIAL
State: CO
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: Card was charged for something you did not purchase with the card

Complaint:
Received an email from paypal indicated that I made a purchase in Texas for XXXX XXXX XXXX which I did not. 
Found out that someone had applied for a loan and were approved for a loan on my Paypal account and were making charges in Texas and XXXX. 
Was then completely locked out of my paypal account instantly. 

Called back from XXXX Told the only way to resolve the charges was to purchase XXXX XXXX cards for all 3 of the fraud transactions on the account to verify my location was actually in colorado. I received a text confirmation that they would be crediting my account for the gift cards purchased which never came through. 

They asked for more gift cards for the XXXX charges. and when I challenged them on this, they instantly disconnected the call each time. I am just an idiot for getting a gift card to begin with.

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 2022-04-28
Company: Experian Information Solutions Inc.
State: DE
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:
Experian, Is still placing a non negative history in a negative category. They are not honoring the laws of me being a american citizen with rights 15 U.S Code 1681s -2- Responsibilities of furnishes of information to consumer reporting agency Reporting information information with actual knowledge of errors 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. 

In accordance with the fair credit reporting act. The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

XXXX Account ( XXXX XXXX ), has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 a section 2 : it also states a consumer reporting agency can not furnish a account without instructions 15 U.S.C 1681c. ( A ) ( 5 ) section states : no consumer reporting agen
cy may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-28
Company: LEXISNEXIS
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: Account information incorrect

Complaint:
LexisNexis reported wrong credit information to my XXXX XXXX. I called LexisNexis twice and I emailed them to get a copy of the report they summitted with wrong information ( XXXX Reference # XXXX ) and my must recent credit report that I am entitle to see. They have denied both reports even when I have provided all my personal information including SSN, Date of Birth, Address, etc. 

They always claim that they need more information from me and because of that, they are not able to process my request. The information that they are requesting on the letter sent on XX/XX/2022 I have already gave it to them. 

Their inaction to provide me with these reports are costing me more money due to an increase of insurance premium due to their negligent action of summitting a report with wrong information and not taking action to provide me with these XXXX reports so I can fix it. 

My consumer number is : XXXX. 
My Case number with LexisNexis is : XXXX. 
The XXXX reference number from the report with wrong information is : XXXX. 

Thank you, XXXX XXXX ( XXXX ) XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: Experian Information Solutions Inc.
State: CA
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:
In accordance with the Fair Credit Reporting act XXXX Account has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
In accordance with the Fair Credit Reporting act XXXX Account has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24
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:
XXXX XXXX  XXXX VISA is no longer reporting to my current credit reports. This account was definitely not fraudulent and I paid account in full on 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 2020-02-24
Company: EQUIFAX, INC.
State: CA
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 reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-13
Company: CITIBANK, N.A.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

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 2017-09-28
Company: Bread Financial Holdings, Inc.
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
This card is XXXX and is essentially a XXXX card and issued by Commenity Bank. I got it when I needed XXXX  XXXX. It has special promotion that gives 24 months in which you make continuous payments of at least a minimum amount and if paid off in full by the end of that time then you owe no interest. If you do not pay it off during this time or miss monthly payments then the high rate interest is added to your account. My payment was due on the XX/XX/XXXX and I did make the payment on the XX/XX/XXXX for more than the minimum amount. For months I have had issues with website making payments and they have an early time and when I finally got in the website there was hours left of the XX/XX/XXXX but the payment date refused to allow me to post for anything but the XX/XX/XXXX. I tried to call before posting the payment and got a message we are closed call back during business hours. I didn't want to delay payment so I made the payment and immediately emailed them explaining the issue asking for the late payment to be waived and I got a message back it was waived last month and that it will not be waived again. I messaged them back asking for corporate information and explained that I have had issues for months with trying to pay the bill and have asked for tickets to be put in but I have never gotten a call and got a message back saying there are issues with the website where sometimes you cannot access it and make payments if using XXXX  and they would not waive the fee and future use another browser. I replied back saying that if I had been told this months ago there would be no issue and it would have fixed it and that due to the known issue on their part the fee should be waived and also the website should have a disclosure to tell people so it can prevent this from happening. I am still getting a refusal to waive the fee. I called corporate and the person that took the complaint said she understood the issue with XXXX and agreed she had personally experienced issues and she would research and see if someone could call. I got a call and they said that they forwarded it to the bank since the bank handles the card and XXXX has no access. I told her this was unacceptable putting it off and back to customer service and she hung up on me. I am asking the $XXXX fee be waived and if they cannot fix the issue for accepting payments from XXXX  that a notice be included on their website that stops others from being charged all these access fees as they know most people won't continue to fight or take it to the government for review since it seems like a ploy by them to get extra money and look for reasons to charge all that high interest building up that they lose when balance is paid before 24 months is up.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27
Company: WELLS FARGO & COMPANY
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have spent 39 hours on the phone on 21 different occasions with this company. They are reflecting 2 missed payments but can not tell me where they are. The only way I found out about this was when I pulled my credit report two years ago. Yes, I have been arguing this out with them for two years. They are telling me that they can not find any missed payments and sent me a printout of my account history that can only be deciphered by an accountant, which I am not. I sent them a " Qualified written request '' on XXXX XXXX, 2017. I received a letter back stating that they could not sent me the information requested because it was too broad. I am in tears at this point and need it to be taken care of.

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 2019-07-16
Company: BARCLAYS BANK DELAWARE
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
In XX/XX/XXXX my wife and I filed for XXXX XXXX bankruptcy with XXXX XXXX XXXX and XXXX  in XXXX, Ga. XXXX XXXX XXXX Our lawyer, Ms. XXXX informed us at the time that her office would send out notices to all the companies we owed money to. Ms. XXXX told us further that if a company did not respond to her queries they would NOT be included in the final payment plan set up by the attorneys. We got our bankruptcy cleared out by XX/XX/XXXXand we thought the issue was resolved. 
I began getting harassing phone calls on my mobile phone from a company called XXXX XXXX in XX/XX/XXXX stating that I owed money to Barclays credit card company. At first, they wanted to settle my debt by my paying a small percentage of it with my debit card. I declined to pay because the debt was supposed to included in my XX/XX/XXXX bankruptcy.I informed them of the facts and referred the callers to Ms. XXXX. They persisted in calling and I blocked several cell phone numbers from my mobile.I was told by XXXX staff on more than one occasion that I had XXXX legal charges against me related to this debt.I have yet to receive any notifications by mail or otherwise concerning my alleged credit problem. The latest phone number I have for XXXX Services is XXXX. I saved on my mobile phone the some of the messages that were left for me. I will provide documentation of the phone calls if necessary.

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