BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-17
Company: EQUIFAX, INC.
State: MI
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 my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXX  Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: Phoenix Financial Services LLC
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I just received my first letter from Phoenix Financial Services on XX/XX/23. Their letter states this was the 2nd attempt. I have never seen this before and do not know anything about this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I have attached an FTC report with inquiries I did not authorize, please delete them

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
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 a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
hey please remove this account I know you will understand me in this situation this is becoming a frustration to me. Please be deleted before 30 days If you do not respond within this time period, Thank you for your time. Hoping that I could get some favorable news after this investigation.

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 2023-06-06
Company: U.S. BANCORP
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
This is a repeat of complaint XXXX as my mortgage was sold back to US Bank on XX/XX/XXXX and they are now threatening default while ignoring the fraud they committed that started this whole debacle in the first place. 

I missed payments from XXXX - XXXX of XXXX. US Bank ( USB ) called and offered to put those four payments at the end of my mortgage if I made 3 payments XX/XX/XXXX - XX/XX/XXXX. They then sent me a loan modification ( not what they offered ) and sold my mortgage ( end of XXXX? ) to XXXX XXXX XXXXXXXX  ( XXXX ). I made the payments ( one to US Bank, then XXXX to XXXX ) but refused to accept the loan mod as it added 14 years to my mortgage term. While trying to figure out what went wrong, XXXX XXXX XXXX then sold my mortgage to XXXX XXXX XXXX XXXX XXXX XXXX  / XXXX ( XX/XX/XXXX? ). I then spent many more months trying to figure out what was going wrong. XXXX then offered me a loan mod if I made 3 payment XX/XX/XXXX - XX/XX/XXXX. Fatigued from the delay I accepted and made the payments. They then rejected the loan mod in XXXX, probably because interest rates had risen and they couldn't offer a monthly payment commensurate with my existing XXXX XXXX mortgage per the rules. Frustrated with being run around I called a HUD counselor ( XX/XX/XXXX ) who explained that US Bank likely tried to illegally transition me from the " payment deferral '' they offered to a " loan modification '' because their HELOC would be moved from 2nd to 3rd position, thereby increasing their risk. Wanting to hide their mistake, they then sold my mortgage to obfuscate matters. 

My new loan information is : US Bank mortgage account number is 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 2022-12-23
Company: Experian Information Solutions Inc.
State: GA
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:
I disputed and contacted the company several times.

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 2022-12-23
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I was reviewing my bank account that I use for my second job. As this is for my second job, it was not checked as often as I should have. But on XX/XX/XXXX I reviewed my account and saw a few large purchases that were not made by me nor did I authorize anyone to make. I contacted chase bank and informed them of this. They began to ask me about every charge from XXXX to XXXX and I informed them I was driving and couldnt check every purchase at the moment and the claims department informed me they would just submit the claims for the three I was most concerned about. Few weeks later they deny the claim because my pin was used and because I didnt claim enough charges. I told chase that my pin was stupidly set as my girlfriends birthday, anyone who knows me could guess that. I called chase back and they told me I would need to go through all my records and dispute as much as I could I went through all my charges and called chase back. They told me they will not review the prior claims again and that I should have disputed more and there was nothing I could do. I even informed them from the beginning my card, ID and my cell phone were stolen. They are refusing to investigate any further on those three charges. 
Those charges are : XXXX XXXX XXXX XXXX XXXX XXXX  {$290.00}, XXXX  {$83.00}, and XX/XX/XXXX for XXXX {$110.00}. 

I informed chase I havent shopped at these stores in probably more than 7 years. Again they said they will not investigate further. 

I know went through all my charges and today, XX/XX/22, disputed : XXXX {$35.00} XX/XX/22 XXXX  : {$8.00} XX/XX/22 XXXX XXXX  : {$12.00} XX/XX/22 XXXX XXXX : {$11.00} XX/XX/22 XXXX : {$11.00} XX/XX/22 XXXX XXXX XXXX XXXX {$13.00} XX/XX/22 I am concerned they will once again just say no and not allow me any further action like they are with the first 3. This has been incredibly stressful and chase has only made matters worse. 

The first time I disputed they sent me another card, and today I learned that the person with my old phone that has XXXX XXXX hooked to my old card can use my new card as well. After I told them it was stolen! What are they thinking.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am so perplexed and doubtful about this situation. I have no idea what is going on over there at the CFPB. I have submitted the same complaints several times already, and you claim Im not the one submitting it. This is so absurd! So Im submitting it again and hope you are going to take steps this time. Transunion has not been acting in accordance with the Fair Credit Reporting Act ( FCRA ). Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. Please see the accounts are corrected at once. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2023-06-06
Company: Early Warning Services, LLC
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have disputed these bank accounts that were open up Fraudently the bank accounts are XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX i have sent in numerous documentation with early warning services this company get paid off people debt even if is not yours the are in violation of the fair reporting act

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have collections on my consumer report that is against the law. As determined by Congress, the credit reporting agencies are all in violating the accuracy and fairness of credit reporting of my information. By not adhering to their grave responsibilities with fairness, impartiality, and a respect to my privacy, under 15 U.S. Code 1681 ( a ) ( 4 ) Due the willful and knowingly violation of the law, my rights as been violated for me getting credit under 12 CFR Part 1002 of the Equal Opportunity Act ( Regulation B ) that protects me from discrimination in getting open and close end credit, this has done harm to me and my Family. 15 U.S. Code 1681 c ( a ) ( 4 ) explicitly said no consumer reporting agency may make any consumer report contained Accounts placed for collection.

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 2021-03-11
Company: EQUIFAX, INC.
State: NV
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 sent in my letters to removed errors off my credit report I haven't got my investigation results and it has been more then 30 days

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My Wells Fargo business account was closed in XXXX by the bank. They said that they will send me a check to my mailing address but I still have not received it. I tried to call them but the call just got transferred in between various departments without resolving 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
Consumer complaint received 2022-12-23
Company: Medical Data Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Name of company : Medical Data Systems inc/ XXXX XXXX XXXX Phone number : ( XXXX ) XXXX Company location : XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Date : XX/XX/2022 XXXX XXXX/Charge off Amount XXXX This company has manage to report a XXXX charge off / Collection on my account Ive tried to get in contact with them to resolve this issue they didnt respond. They also sold my debt to another company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: Experian Information Solutions 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:
this account is incorrect it does not belong to me

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 2023-01-20
Company: WELLS FARGO & COMPANY
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Wells Fargo cheated me out if money when I banked with them

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 2022-12-23
Company: Convergent Resources, Inc.
State: ID
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:
For several months, I have been attempting to have a collection item removed from Convergent Outsourcing that has been reporting on my credit report. 

I have never had an account with XXXX and I do not know why it continues to show up on my credit report. 

I have tried disputing this information with Convergent Outsourcing themselves and they first provided me with an unknown name and address on the account. They admitted that the only thing that matched on the account was the last XXXX of my social. 

Convergent refused to stop reporting this information to the bureaus, so I then reached out to XXXX ( Account # XXXX ) and XXXX ( Account # XXXX ) to dispute it with them. I explained to them that I have never had an account with XXXX and I asked them to provide proof that this debt was mine. 

Neither XXXX or XXXX ever provided me with proof, but they both came back and stated that it was verified. 

Because of this deliquent account on my credit reports, I have been denied for a home mortgage, and I also have incurred higher interest rates for other credit cards I have since applied for. 

When I called and tried XXXX last time to have this item removed from my credit report on XX/XX/2022, Convergent Outsourcing made me pay them {$210.00} and after I made the payment during the phone call, they blatantly told me that they refused to stop reporting the item to XXXX and XXXX - even though they had just forced me to pay {$210.00} for a debt that was never even mine. I have this phone call recorded and I am happy to provide a copy of the call and blatant violation upon request. 

Having this fraudelent item on my report has cost me thousands of dollars and so much heartache, and I demand that it be removed from XXXX and XXXX and I also demand {$1000.00} compensation for the FCRA violation that all three of these consumer reporting agencies made against me when they KNOWINGLY continued to report false and fraudulent information on my credit report ( and not providing a single piece of proof that this debt ever belonged to me ). 

According to 15 USC 1681, Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater

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 2022-12-23
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
If I don't pay my bill in the first week of the month, the lender mails me a notice of my account potentially incurring a late fee, and this is before my payment is officially late. If I fail to make a payment by the end of the month, they immediately mail a notice of intent to foreclose letter to my house. I admit I have not been consistent in keeping my account current and the lender initiated foreclosure proceedings last year but I was able to get approved for a loan modification so maybe there is something in the paperwork that allows them to contact me with threats of foreclosure after one missed payment. During the loan modification process, they continued to proceed with the foreclosure, even though I had successfully submitted a request for assistance. At the time, I brought up the question of possible dual tracking, and they did not acknowledge my concerns. I feel this lender violates consumers ' rights and uses predatory collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23
Company: Exeter Finance Corp.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I sent a debt Validation letter, cease and desist letter, affidavit of truth and an invoice to Exeter finance and gave them 30 days to come up with a solution. The contract was fradulent and void. Exeter finanace forged themselves onto a contract between XXXX XXXXXXXX XXXX XXXX XXXX and I. They made the contract void because they use my information without my consent and forged signatures onto the contract. I have a copy of all the violations that were committed by Exeter XXXX and I do have your po box that I will be sending all this information to.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23
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: Old information reappears or never goes away

Complaint:
Hello my name is XXXX XXXX .I writing requesting help in this matter .I gave a XXXX loan with XXXX that was purchased by XXXX XXXXBut it shows on my credit report as me owing both parties when that is not the case. Im wanting XXXX removed from my credit report, because it make my report look bad seeming to owe more than what i do .Im making a formsl complaint to XXXX XXXX Transunion XXXX and XXXX XXXX If not all three XXXX is the first one.

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 2022-12-23
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Hello, so on the XXXX of XXXX I noticed I had two transactions one on my Chase online for XXXX  dollars and another for XXXX  dollars on my XXXX XXXX, this was all through XXXX. I called XXXX XXXX and they deemed it fraudulent and I was returned my money. Chase said I approved the transaction, I called asked for evidence and why it was denied the lady said she cant talk about the case past XX/XX/XXXX. I was notified that my claim was rejected on XX/XX/XXXX. My phone number was taken and XXXX XXXX saw three unknown areas were logged into and Chase either never looked into it or thought I was out of the country at the time. The man who scammed me was using my own number to call and harass me when chase first reversed the transaction. I never got notified of my transaction with the scammer until a day later. The photo shows him added himself then showed I didnt wan na receive messages at this number. Yet I responded with nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
My information was leaked because of a data breach, when I noticed the theft I did not know what to do about it until recently. I tried to resolve it with the Consumer Reporting Agencies but they said all I could do was to put a freeze on my account and put in a fraud alert. The following information on my consumer report is incorrect and was not authorized by me and would like it to be taken off of my consumer report. 

Fraudulent accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXXt XXXX XXXX : XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX Hard Inquiries XXXX XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX Name Spelling : XXXX XXXX, XXXX XXXX, XXXX XXXX Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX DE XXXX, XXXX XXXXXXXX XXXX XXXXXXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX CA XXXX, XXXX ME XXXXXXXX XXXX XXXXXXXX XXXX XXXX FL XXXX, XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX NY 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