BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-30
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:
XXXX XXXX is violating my consumer rights. They violated my privacy and committed fraud by receiving my personal information from another party and attempting to collect an alleged debt which I do not owe. They have then furnished my information without consent and defaming my character with this negative account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
Company: WELLS FARGO & COMPANY
State: MT
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I am starting a new complaint as I am super frustrated with Wells Fargo. This is in regards to a XXXX scam. I have already filed claims which Wells Fargo directly which were denied. I have also already filed a complaint against them, which was closed. They are failing to help me and I am going to have to take legal action if this doesnt get resolved. For full details of the scam you can reference : Wells Fargo case number : XXXX Consumer Financial Protection Bureau, case number : XXXX I am extremely dissatisfied with Wells Fargo. You guys have failed to help me as a customer as I was a victim of this horrible XXXX scam going around. This same scam targeted many XXXX XXXX XXXXXXXX customers ; however XXXX refunded their customers who were victims to the scam. You guys have failed to do so. Therefore I have no choice now but to take legal action. I am very frustrated. I have my money in your bank to be protected. And you guys are unable to do that for me. I have been a XXXX customer since 2003. I will be switching banks once all of this is resolved. 

A federal law known a Regulation E protects victims of fraudulent money transfers. Consumers who suffer unauthorized transactions are entitled to Regulation E protection, and banks are required to refund. This isnt a controversial opinion, and it was recently affirmed by the CFPB. See the link below : https : //www.consumerfinance.gov/compliance/compliance-resources/deposit-accounts-resources/electronic-fund-transfers/electronic-fund-transfers-faqs/ I refuse to let Wells Fargo fail to help me as a customer of theirs for 18 years. I am going to take legal action.

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 2020-11-06
Company: PENNYMAC LOAN SERVICES, LLC.
State: MD
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Despite my previous complaint and Penny Mac 's assurances that it would correct my property address, it has failed to do so. 

My property address has been XXXX XXXX XXXX # XXXX XXXX, MD XXXX since I purchased the home in 2007. 

When Penny Mac acquired the loan they recorded the address incorrectly. 

They refused to correct it on my old loan until I filed a complaint with the CFPB. 

Now, they refuse to correct it on the new loan. Despite multiple requests, CFPB staff refuse to record the correct address on the new, recently refinanced loan. 

The Penny Mac representative that handled the first CFPB complaint told me he would correct the address on the new loan beginning with XXXX. I have made multiple requests to the customer service team also. None have been acted upon.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 contacted Transunion and told them that these accounts were not mine & I did not open them. I had no knowledge of these accounts, I have filed a police report & FTC identity theft report XXXX. I am asking to have these accounts off my report XXXX XXXX XXXX {$4.00}, XXXX, The XXXX XXXX XXXX {$650.00}, XXXX XXXX XXXX XXXX {$68.00}, Dept of Education/XXXX {$3700.00}, Dept of Education/XXXX {$4300.00}, Dept of Education/XXXX {$3100.00} Dept of Education/XXXX {$5000.00}, Dept of Ed/XXXX {$6700.00}. These inquires also do not belong to me from XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. I have never lived at the follow address as well XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX 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 2019-07-09
Company: I.C. System, Inc.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
According to the National Consumer Assistance Plan,  credit reporting agencies are supposed to only report collection accounts that were created via a contract. I do not have a contract with the collections company that is trying to collect a debt from me. I mailed them the template collections letter that this website provides, and the section from the NCAP that specifically states that credit reporting agencies shall not allow collection furnishers to report debt that did not arise from a contract. Please refer to pages 11-12 of the NCAP because it corroborates the policy set in place that I am talking about. 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 2020-10-09
Company: EQUIFAX, INC.
State: MA
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:
After disputing several accounts in on XX/XX/2020 with XXXX, they continue to report inaccurate information on several accounts and provide proof that these are my accounts after requesting factual disputes. I've submitted disputes online and info was updated and that was it. These accounts are reporting different amounts and dates at all three credit bureaus, so they need to be deleted off of my reports immediately. I asked that provide any original contracts signed by me, payments, and any communication sent to me from XXXX XXXX and they haven't. 

XXXX XXXX  - Acct # XXXX ( Please see attached screenshot of how it's reporting different amounts and dates on all three bureaus and the repossession letter ). Account needs to be deleted from all three bureaus as soon as possible as this is illegal and I will take legal action. 

XXXX XXXX - Acct # XXXX XXXX  XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX Acct # XXXX. 

XXXX XXXX XXXX - Acct # XXXX XXXX XXXX XXXX - Acct # XXXX XXXX XXXX XXXX - Acct # XXXX XXXX XXXX - Acct # XXXX I know my rights from Title 15, USC 1692. I have the right to sue for violations of the US.

Any assistance will be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
Company: U.S. BANCORP
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:
I have noticed that they have placed an inquiry on my XXXX credit file dated XX/XX/XXXX and XX/XX/XXXX that I never authorized and your Person is therefore in violation of federal statute : 15 U.S. Code 1681b regarding Permissible Purpose for accessing consumer credit reports. Additionally, this inquiry is reporting verified to 3B but provided no verification of my authorization.

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 2020-02-21
Company: EQUIFAX, 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:
I just check my credit and i notice that someone brougth a car using my personal information I did not Authorize anyone to do such a thing this account is fraud and i would like this account to be removed from my credit. 
thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hello, my name is XXXX XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-12
Company: Bread Financial Holdings, Inc.
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I received a denial letter in the mail for a credit card that I never applied for. The letter came from Comenity Capital Bank in XXXX Ohio and although it appears to look legitimate I know it is not. Upon further review you can definitely see that the letter looks very fraudulent. It looks like it is phishing for information from me and a lot of the words are misspelled. The reason for the denial is really odd as it states : Here are the reasons for declining your request : Lack of real estate Too few accounts paid as agreed Too few bank cards with high credit limit Too many inquiries I dont know about you, but if you are anyone with intelligence who has applied for a credit card and been denied before, these are none of the reasons that they deny you. They usually deny you for reason like delinquent accounts, not enough credit history, too much debt, not lack of real estate or not enough bank cards with high enough credit limits. When I read through this I knew this was not a legitimate denial letter. 
I dont recall applying for a credit card named XXXX XXXX XXXX I am in the process of paying off my debt so it doesnt make any sense. If you will also notice XXXX is misspelled and should be spelled XXXX. So I want to report this because if someone didnt know any better they would have fallen for this misguided attempt at a denial letter. The concerning part is they have pulled my credit score and attached it to the letter so they have to have access to my information somewhere. Do people really have nothing better to do with their time?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: Capio Partners, LLC
State: UT
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Capio Partners called me in XX/XX/XXXX and claimed they had a medical debt for {$1700.00} from a hospital visit in XX/XX/XXXX. I had collected and paid all hospital bills related to that visit, even had to hire a patient advocate to help collect everything. They gave me the name XXXX XXXX as the name of the medical provider that I owed. I've never heard of them. I called XXXX. I asked if this provider had attempted to bill me, and asked why they didn't bill my insurance. They claim they never received my insurance from the hospital- except every other provider, even the ambulance, managed to get it. They acknowledged that they had never called me and had only sent XXXX initial notification in XX/XX/XXXX, which I don't recall receiving. Of course I wouldn't have paid it at that point anyway, because they hadn't yet adjusted it for my insurance. But they never sent any further bills or made any calls or attempted to get my insurance info from the hospital. 

They sent me some kind of financial notification clearly not intended for the patient- it isn't a bill, it doesn't explain who the provider is or what they did for me. I emailed back and asked for a more accurate bill and never got a response. 

I called my insurance company, and they said they would no longer pay the claim because it's been more than a year. Capio told me that this bill would be my responsibility now. XXXX 's representative told me over the phone that it might be all down to XXXX issues, and that's why it didn't happen. I don't see how that means I need to pay {$1700.00} to a doctor I have no memory of even meeting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-15
Company: Firstsource Business Process Services, LLC
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a debt with XXXX XXXX The amount owed is indispute based upon XXXX 's rejection of prior returns, without any notification of what the returns concerned. 
I also was charged an amount in excess of the quoted XXXX amount. I would like a current balance so I can timely make payments as I always have and that the 3 Credit Reporting Agencies be advised payment is current or disputed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
I have noticed that they have placed an inquiry on my XXXX  credit file dated XX/XX/2020 that I never authorized and your Person is therefore in violation of federal statute : 15 U.S. Code 1681b regarding Permissible Purpose for accessing consumer credit reports. 

Additionally, this inquiry is reporting verified to 3B but provided no verification of my authorization.

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 2022-08-10
Company: Resurgent Capital Services L.P.
State: GA
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:
Hi I am submitting this XXXX XXXX, this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have 87complained times. The problem has not been resolved. my XXXX has me at a credit score over 719 XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my XXXXo say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 120 days straight with XXXX i spoke to a representative agent name XXXX and XXXX XXXX and XXXX and XXXX and XXXX and XXXX XXXX from the fraud department they don't help waste ever and lie saying that its been disputed but come to find out was never disputed which is causing me more XXXX I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution.next step is to take transition to court to sue for defamation of character of my name and damages that was caused to me They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 120 days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 87 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now. nobody helping me and I don't wan na live no more i cant get aproved for anything which is casing me even more XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
On XX/XX/21 I sent in a FTC report, as the Federal Law tells me to do, Because I reviewed my report and noticed Fraudulent accounts or accounts that dont belong to me. I was told the would investigate. Well its been months. Nothing has changed. I started to do research and found per FCRA 605B All Fraudulent information must me blocked from my credit file. Its bad enough someone used my information, but the worst part is Im stuck trying to prove myself and get my identity back. Its is really sad. Its seems like I need to file a complaint against Transunion XXXX and XXXX with FTC and XXXX. Because Ive never done business these companies or entered into a signed contract with. 
XXXX. XXXX XXXX acct # XXXX XXXX. XXXX Acct # 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 non-monetary relief
Consumer complaint received 2021-12-01
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15
Company: Conn's, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
This involves Conns XXXX account number XXXX XXXX Cash Option Equal Pay No Interest ( EPNI ) offer. 

I purchased furniture and electronics for my new home at the total cash option price of {$6800.00} with an expiration date of XX/XX/XXXX with the ability to pay in full within 30 days of expiration date which would be XXXX/XXXX. 
I called Conns at number above as stated in there letter attached on XX/XX/XXXX to get the accurate payoff prior to making the final payment. The representative told me that it could take up to 3 days to get the payoff and told me she would request it and try to call on XX/XX/XXXX to try to get it. I therefore called on XX/XX/XXXX and requested the accurate payoff once again. The rep told me it was {$930.00}. I informed her to make a note in the file that I needed to make sure this was accurate to ensure I do not get charged the interest on the credit by paying it off within the time period. She informed me the amount was accurate. The payment was made on XX/XX/XXXX for the amount given by the rep as the accurate payoff. I called the following week to verify and was told I did not meet the terms of the agreement because the rep I spoke to failed to include a XXXX administrative fee to the total she provided me. I told the rep that they could review the notes as I specifically wanted to ensure the amount was accurate. The rep I called regarding my complaint did see my notes requesting that she add my concern that this needs to be the accurate amount and he agreed she did document that. I dont feel that Conns treated me fairly as their rep provided me the inaccurate payoff and due to their agents error the administrative fee was not added. I would have easily paid the {$100.00} administrative fee to avoid paying well over {$2.00} thousand in interest fees. I called on 2 different occasions trying to resolve this and was promised an email or call back from management and never received one. I would like this resolved fairly as I tried to comply with there terms and depended on their agent and requirements to call them directly for the accurate payoff.

Company response to consumer: Closed with monetary relief