BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-10
Company: EQUIFAX, INC.
State: PA
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX  # XXXX # XXXX, Account name : XXXX XXXX XXXX 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 my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency 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 by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24
Company: CITIBANK, N.A.
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: Problem with personal statement of dispute

Complaint:
This is a false report on my credit, and I want it to be removed as soon as possible. I would also like to have more information about the institution that report this to my credit so I can take legal action against them ... thank you

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 2018-04-21
Company: Netspend Corporation
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
Received a cc in the mail which I never requested, called the number in the back and they ask you to enter your SS #, they insist continuously until you are able to speak with a person in a foreign country ( assuming based on the background noise/ conversation heard ) Could this be  identity theft?

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 2021-03-01
Company: ENCORE CAPITAL GROUP INC.
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
Midland credit company made repeated calls before XXXX and even after XXXX. From XX/XX/XXXX on through XX/XX/XXXX throughout these times. They would call upwards of XXXX times a day. Being very harassing. They did not have and do not have all documentation on this account and could not prove the debt is or does belong to me. I have requested proof of verification of the debt proving it is mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-19
Company: TRANSWORLD SYSTEMS INC
State: AR
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:
ONCE AGAIN XXXX  IS VIOLATING THE XXXX  AND XXXX XXXX  WE NOW HAVE ENOUGH TO FILE CLASS ACTION AGAINST XXXX/TSI AND XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-09
Company: CITIBANK, N.A.
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: Old information reappears or never goes away

Complaint:
They are still trying to collect after 21 years. They say the account is open. And I owe {$1400.00} but have available credit of {$9600.00}. I have not oaid on that since XX/XX/2000.

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 2019-11-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Portfolio Recovery did not notify me before sold my debt to a law firm who is suing me now with portfolio refused to remove the account from my credit report after the account was sold to XXXX and XXXX. Both agency did not contact me I found out through the XXXX  county court and my court date is XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Delete fraud alerts off of my credit XXXX : # HK # EFCRA EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCOUNT. CONTACT CONSUMER AT ( XXXX ) XXXX XXXXXXXX XXXX XXXXXXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. 

Equifax : FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: Paramount GR Holdings, LLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Didn't receive services that were advertised

Complaint:
In XXXX of XXXX, XXXXXXXX XXXX came to our brand new home and sold us solar panels. XXXX XXXX went through GoodLeap to finance the solar panels. My spouse and I been paying {$180.00} plus interest, along with paying our electric bill with XXXX averaging {$400.00} a month to only find out that XXXX XXXX XXXX XXXX  no longer exist as of XXXX of XXXX and have closed their door. We never have utilized the solar panel system, or had permission to operate advised by XXXX because inspections failed. We contacted GoodLeap to cancel the loan, which they said no to, but we do have have the service and they advised we will also pay accrued interest if we stop payments on a service that we never used. The service has been breached and GoodLeap advised they were going to have a contractor out a month ago, but they did not follow through, but threatened to send us to a collection agency if we stop the auto draft payments from coming out of our bank account on the XXXX  of each month, but we received the service for. We want to cancel this loan with Good Leap and get reimbursed for our payments plus the interest we paid on a service we never received and not to be financially penalized. This account originated between XXXX XXXX XXXX XXXX XXXX, GoodLeap, my spouse and I terms, but due rot XXXX XXXX XXXX XXXX breached the agreement and terms, and we never received the service we are still paying on is just been a nightmare for my family and I.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24
Company: ERC
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I closed this account in XX/XX/XXXX, there was a balance of {$97.00}, that should not have been charged. I spoke with XXXX and was told the amount would be written off. Now 7 years later with no notice, Im sent to collections. I no longer have all my notes from XX/XX/XXXX. I spoke with XXXX XXXX at Enhanced Recovery on XX/XX/XXXX, explained the situation and was told he has put in a dispute with XXXX. 

I dont understand how 7 years later, Im sent to collections with no notice, is that legal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-18
Company: Receivables Performance Management, LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I cancelled my XXXXXXXX XXXX  service prior to eing evicted and they reconnected services without my permission and continued to charge me. I informed them when i cancelled that i was homeless and would call when i had another service address to reconnect.

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 2017-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
There are many mistakes appear in my report without my understanding.

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 2023-01-24
Company: WELLS FARGO & COMPANY
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Confusing or missing disclosures

Complaint:
Money was taken every month from checking 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 2022-12-01
Company: Experian Information Solutions Inc.
State: OH
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 like to add this to report XXXX Which shows that XXXX vacate all those transactions I was accused 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 non-monetary relief
Consumer complaint received 2021-05-22
Company: Experian Information Solutions Inc.
State: MA
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: Problem getting your free annual credit report

Complaint:
Experian has not allowed access to my credit report, online, for nearly a year. There is no explanation given.

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 2020-12-02
Company: Square Inc
State: OR
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
i have unauthorizations charges on my XXXX XXXX card on XX/XX/20 one for {$2.00} and {$250.00} And {$1.00} And {$1.00} and on {$2.00} And {$1.00} and {$1.00} cash app the phone number is XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-09
Company: Square Inc
State: MS
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On XX/XX/2019. I sent money to what was supposed to be a business called official XXXX XXXX. I learned through them on XXXX. It's a business which provides clothing and accessories deprived off of cannabis strand names. However I semtonry through cash app to $ XXXX and never received my product or any further contact. Cash app should be liable for all assets not received.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint:
I received a text from XXXX, " Equifax noticed that your scores dropped by 46 pints on XX/XX/XXXX and must be confirmed or disputed by today here XXXX ''. This is a phishing attempt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Hello, Capital One sent me this offer as a pre-approval ( pre-approved offer ) because of this I expected to be approved without my consent of this credit card, little did I know I was denied even though my credit score is fairly high. I do not feel like this denial was justified and it should be removed, as I did not receive a response / reason on why this was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04
Company: Kriya Capital, LLC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Credence Resource management keeps harrassing me calling me at least 3 times a day. When I contacted them to let them know why they keep calling me they wont give me any information without wanting me to give personal information which I dont find I should as they are calling me why do I need to give them personal information when I dont even know who they are.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-08
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: Can't stop withdrawals from your account

Complaint:
On XX/XX/2019 I called chase bank in order to stop transactions of my credit card that was utilized to purchase XXXX dollars in gift cards from XXXX. 8 gift cards at XXXX dollars each. The gift cards numbers were stolen and utilized to purchase merchandise that I did not authorize and tried on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX th and on multiple other occasions to stop any transactions. The manager of XXXX informed me on XX/XX/XXXX that they would not freeze these gift cards nor cancel them despite the scam, fraud and theft. I called XXXX again on XX/XX/2019 after speaking with Chase Bank due to XXXX stating to my bank these were authorized transactions even though XXXX managers were informed that this was fraud and I wanted these cards canceled. XXXX had time before shipping out of any and all merchandise that were purchased with stolen card numbers to stop shipment due to me informing the staff and manager. The Manager called the staff together following my complaint about fraud And theft and informed the staff that they should make sure to not sell 8 XXXX dollar gift cards without checks and balances. I spoke with the employee XXXX about this and she sent an email to her boss about this situation and o never received a call back. I was given a lost and stolen number fro XXXX which only told me to reach back out to the store again to report. I also reached back out to chase to refund the money that was from stolen gift cards and they stated that it was a good transaction even though none of the merchandise was sent to me due to gift card numbers being stolen. Chase was informed of the fraud and theft that took place from this purchase and continued to look for loopholes instead of freezing the funds when notified by the customer and allowed the customer to be compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-14
Company: CMRE Financial Services, Inc.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
COLLECTOR KEEPS CALLING MY CELL, FAILED TO VALIDATE SAID DEBT, WENT ON CREDIT REPORT WITHOUT VALIDATING AND ZOMBIE DEBT. 

SEVERAL VIOLATIONS OF DODD-FRANK ACT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: Exeter Finance Corp.
State: NC
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX ACCT # XXXX XXXX XXXX XXXX XXXX, AZ XXXX Account name : XXXX  XXXX XXXX ACCT # XXXX XXXX XXXX XXXX XXXXXXXX, MI XXXX Account name : XXXX  XXXX ACCT # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX Account name : EXETER FINANCE LLC ACCT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX 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 my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency 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 by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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. 

w/Gratitude

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30
Company: REGIONS FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
the company that charge the debt off was supposed to send 1099c in the mail for purpose of tax return

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 2018-09-20
Company: EQUIFAX, INC.
State: PR
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:
at XX/XX/XXXX ... I made a request to XXXX XXXX XXXX through it's representative XXXX XXXX XXXX to delete an executed second mortgage account from my credit report as charge off, because since XXXX, this property has been executed. 
I made a successfully claim to XXXX XXXX Credit report company ... and they update correctly my information. 
However, I made the same request to Equifax company, and the didn't want to proceed in accordance with my current situation.So any of this two companies don't report my situation accurate, despite I'd have bring to them all the legal documents that show the foreclosure of my old home. 
Equifax confirmation request # is:XXXX I'll appreciate your assistance and intervention in this matter ... .thanks!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-15
Company: EQUIFAX, 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:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16
Company: Mr. Cooper Group Inc.
State: CO
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX Loss Department will not release to me the amount reimbursed by XXXX XXXX for hail damage suffered in XX/XX/2018. XXXX  issued a partial payment check for {$24000.00} and I forwarded to XXXX Loss Department in XXXX, NE in XX/XX/XXXX ( XXXX ) when Affordable Roofing and Restoration had completed the work on the home. The barn reroofing is pending. 

Attached is the receipt from Affordable Roofing showing paid in full and a cash deposit receipt from XXXX. XXXX for a down payment to order materials for the barn roof. 

The response from the Loss Department at XXXX XXXX has been beyond incompetent. I have sent via email, mail and uploading many documents requested often over two times. They still have not released a check back to me for work done to date which I paid for of {$17000.00}.

Company response to consumer: Closed with explanation