BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-28
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: Information belongs to someone else

Complaint:
Im submitting this complaint to inform you again that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the alleged identity theft. 
These following items listed below are unknown to me.XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ; XXXX XXXX XXXX  XXXX Balance : {$24000.00} XXXX XXXX XXXX XXXX Balance : {$720.00} XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX FED XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/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 2022-04-25
Company: EQUIFAX, INC.
State: MI
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 XXXX XXXX XXXX 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: M&T BANK CORPORATION
State: SC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
I purchased my mortgage loan through XXXX XXXX XXXXXXXX. So they sold it to M & T Bank and another company called XXXX. So thats XXXX different companies passing my personal information around at the time me not knowing whats going on. They say they sent letters I didnt received or sign to return. They had my phone number they never called. They didnt have the correct email address so yes I called to correct that. So yes at the time I was confused getting information from XXXX different places and i was wondering why because I had a bank account with XXXX XXXX XXXX and my payment was on auto pay at the time. This is impacting my credit score and im trying to move on with my life and get funding for my business so can I please get this off my credit! I see its a law that banks can pass your information on but i dont think thats fair especially being that I pay a lawyer to read over the paperwork when I first purchase my house. Now to hear that someone can get my information, home and my loan giving to them is terrible and hard to digest this! As you can see after this or even before this issue I never had a problem I truly hope I get this resolved. In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. Thanks Im advanced.

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 2023-09-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
on XX/XX/XXXX I was scammed out of {$500.00} from a buyer on XXXX XXXX! he was suppose to be purchasing a washer and dryer from my XXXX  daughter who has XXXX kids and was getting evicted! so i was trying to help her out this guy XXXX XXXX offered to purchase the set for the asking price of {$900.00} he supposedly XXXX  the money and XXXX contacted me and said in order to get the funds he sent i had to send {$500.00} because my account wasn't a business account once sent then i could withdraw {$1400.00}! my daughter was desperate im thinking this was legit, but i was WRONG!!!

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 2022-08-19
Company: EQUIFAX, INC.
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: Credit inquiries on your report that you don't recognize

Complaint:
My credit report from XXXX XXXX XXXX XXXX and equifax shoe accounts that I never applied for and inquires I never applied for it has banks, car loans. Credit cards that I have no knowledge of also XXXX XXXX  said my social security number has been compromised on the XXXX  web

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Company: BARCLAYS BANK DELAWARE
State: NY
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: Overcharged for something you did purchase with the card

Complaint:
In XX/XX/2022, I stayed in the XXXX XXXX XXXX in XXXX. I was charged correctly for the room, but after my second night out of XXXX, I saw a charge for XXXX USD. I asked the hotel what that was for, they said they don't know, And that they did not put the charge through. I have been since trying to reach Barclaycard US and wrote them a dozen times, But did not get a response, I even wrote The presidents office, But got no response. Investigations only told me that they authorized the charge, Never explained why, what the charge is for or why the hotel doesn't even know about it. I have a copy of the email, where the hotel wrote me they don't know about the charge. Since I didn't pay the charge of XXXX, it has since then increased to XXXX USD with late fees and interest, And my credit score dropped XXXX points, All because of a fraudulent charge that no one told me what it was for. It has been 7 months, and no one until this day canceled the charge, responded to my concerns or anything really.

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 2022-09-20
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
There is incorrect information on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-27
Company: WELLS FARGO & COMPANY
State: IN
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:
On a previous response to the CFPB there was a different answer than the letter I received denying me a credit card through Wells Fargo. 
Previous complaint : XXXX. 
I provided my information/ social security number at the time of application. 
The letter said I had delinquencies on my credit, I do not. 
This response is a lie, I did provide my information and no one from WF reached out to ask me for that information. 
This is bait and switch and highly illegal to get my information. 
Additionally, I have received many spam calls and emails since this application. 
This is upsetting, I expect them to make it right, if you pulled my credit and sent me a denial letter you had my social security number! 
You would not say in the letter that I have delinquencies if you didn't pull my credit. 
Shameful behavior!

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 2022-06-27
Company: Nationwide Recovery Systems, Ltd
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX XXXX  {$1700.00} is owed XX/XX/2022 Sent to collections due to non-payment Lender Information : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27
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: Reporting company used your report improperly

Complaint:
n accordance with the Fair Credit Reporting act XXXX XXXX Account number XXXX, XXXX XXXX Account XXXX, XXXX XXXX Account number XXXX, XXXX Account number XXXX, XXXX XXXX XXXX XXXX Account number XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

And also 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 response to consumer: Closed with explanation
Consumer complaint received 2023-09-17
Company: Monarch Recovery Holdings, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX. was trying to collect on this same debt, now Monarch Recovery Management Inc is trying to collect. 
Neither provided no proof of the debt, but instead made a settlement options. 

1 ) .Provide me with proof that you possess the legal right to collect on this debt by producing evidence, such as a transfer of the signed credit card agreement.

2 ) .Provide me with proof of chain of custody evidence signed agreement between your company and the original Creditor, such as a purchased agreement ; which must include the full purchased price your company paid to acquire this debt from original creditor.

3 ) .Proof that you are license to collect this debt in the state of Texas .

4 ) .Please provide a verified copy both front and back of the alleged debt contract/agreement/promissory note in its entirety with my signature on it, including any applications, accompanied by a commercial affidavit, sworn to be true, correct.

5 ) .Provide verification and documentation, if there is a charge-off of the alleged debt by the original creditor by providing a copy of the written agreement that created the requirement for your company to seek repayment of the debt claimed and what stipulates your terms to collect the alleged charge-off debt in its entire balance claimed owed by me to the original creditor.

6 ) .Please provide proof that the alleged debt has not been satisfied by any means available including the originator creditor receiving federal Tax write-off or credit for the entire debt used by them as a charge off.

7 ) .Please provide proof that you have not purchased the alleged debt.

8 ). Provide proof of all billing statements from the beginning and closing date of the alleged account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting 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 XXXXXXXX 1. ) I was a victim of identity theft. XXXX was notified of the identity theft. XXXX did a full investigation and received all pertinent documents verifying the identity theft, then deleted this account due to identity theft. XXXX then re-listed this account at some point after it was deleted due to identity theft. 

2. ) This account does not belong to me due to identity theft, however this notwithstanding this account deserves to be deleted as it claims a past due amount on an account that was charged off. Records must be absolutely accurate, you can not have a past due balance on a charged off account. 

3. ) Lastly, XXXX failed to note that the account was in dispute 31 days after the initial dispute was filed

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 2023-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting 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 XXXXXXXX XXXX XXXX XXXX 1802 has violated my rights.

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

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 any 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 2023-09-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC
Product: Credit card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Capital One Credit Card for Saks Fifth Avenue closed my store card even when the card was active, payments were made, and billing center had accuracy that correct the response to in which the account should not be closed. They decided to hinder my credit by keeping the card on my account for years after they decided to close the account which is not fair treatment.

3 ) Notification to card issuer. Notification to a card issuer is given when steps have been taken as may be reasonably required in the ordinary course of business to provide the card issuer with the pertinent information about the loss, theft, or possible unauthorized use of a credit card, regardless of whether any particular officer, employee, or agent of the card issuer does, in fact, receive the information. Notification may be given, at the option of the person giving it, in person, by telephone, or in writing. Notification in writing is considered given at the time of receipt or, whether or not received, at the expiration of the time ordinarily required for transmission, whichever is earlier Examples of unfair practices Here are a few examples of what the FDCPA would consider a prohibited practice used to collect on a debt. Debt collectors are not allowed to : Try to collect charges in addition to the debt unless they are allowed by the contract or law ________________________________ Communicate or attempt to communicate with you in connection with the collection of a debt through a social media platform if the communication or attempt to communicate is viewable by the general public or the persons social media contacts ________________________________ Communicate with you by sending an email that the debt collector knows is provided to you by your employer, unless an exception applies Use any language or symbol on an envelope for correspondence with you that indicates it is a debt collector, other than the debt collectors address or business name that doesnt indicate its in the debt collection business Generally, a closed account with negative history can continue to hurt your credit score for seven years This paid off account should be removed in addition to no information being provided and no attempt to collect debt this hinders me from collecting any other type of credit and hinders my credit from rising due to this unjust unfair treatment being placed on my credit. I feel that this is some type of descrimination in efforts to keep me hindered from recieving credit as this hurts my ability to apply for a car, get new housing in which the creditor agrees that the account was paid on time but they continue to have this on my account as a way to hinder my credit I would like to have this item removed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Company: Home Point Financial Corporation
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
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 truly believe this event does not reflect my credit worthiness. I have always paid my payments on time. Nor do I believe this event reflects your companys values. 
XX/XX/2022 I received a change of service notification.it was 2 months late in me receiving the letter. Homepoint did not show my payment for XXXX till XXXX therefore showing a late payment.this was due on their end.they changed loan numbers. The letter with this information did not come to me till XXXX. The letter was mangled and has been delivered to a wrong address. I have tired to have this one negative removed. I have always paid each month. The Homepoint representative XXXX had her mind made up. She just going on and on about the post officeAlso she kept saying she was just following what the credit bureaus require.well, they are not requiring anything from Homepoint but information that Homepoint supplies to them.. 
XXXX I feel was not neutral in her quest, that her tone represented that You already have copies of the letter..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20
Company: WELLS FARGO & COMPANY
State: MI
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
In the XXXX XX/XX/2022 response to CFPB complaint XXXX, XXXX XXXX XXXX presents false and misleading information regarding the two ( 2 ) private student loans held by WF. Over the past two ( 2 ) years WF has provide contradictory information regarding the irregularities in handling of these accounts that led to furnishing of inaccurate and unverifiable payment history and derogatory indicators in my credit files. It is clear from the contradictory information that WF has XXXX ( XXXX ) cohesive explanation regarding the problems with my accounts and has sought instead to stall, mislead, deflect, and otherwise abdicate their responsibilities as a data-furnisher under 15 U.S. Code 1681s2, and instead have sought to engage in practices that are false, misleading, unfair as defined under 12 U.S. Code 5531 to explain away their prior mismanagement of my accounts including improper application of payments, and failures in statement generation that are required under TILARegulation Z 12 CFR 1026.2 ( a ) ( 4 ). The repetition of these practices and providing of information in CFPB responses that WF knows, or should know, is demonstrably false from their own records additionally makes their practices abusive under 12 U.S. Code 5531. At least one ( 1 ) of the three ( 3 ) CRAs has already reached the same conclusion and as such has removed the account/tradelines for the corresponding accounts from my credit files. Full documentation is attached. WF needs to understand I am not a number. I am a human being, and one with a documented XXXX. I do not deserve the XXXX and harm WF has repeatedly inflicted on me over the past XXXX ( XXXX ) years that arose from their own negligence. Making XXXX up to cover-up failures is morally wrong and patently unlawful.

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 2022-06-27
Company: ENCORE CAPITAL GROUP INC.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have requested that this company validate the debt they claimed is owed over 30 days ago and they have yet to do so. The debt is not valid to my knowledge and the company is continuing with the lawsuit and derogatory accounts on my credit reports. Listed below are the actions taken by both myself and the attorney office that is representing the company. 


XX/XX/2022 A Complaint submitted by XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX on behalf of MIDLAND CREDIT MANAGEMENT , INC against myself XX/XX/2022 Summons Mailed Notice submitted by Case Management XX/XX/2022 Answer uploaded by Case Management Staff submitted by Defendant stating that this debt is not valid to my knowledge XX/XX/2022 REQUEST TO ENTER DEFAULT JUDGMENT submitted by PAPADELIAS, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX on behalf of MIDLAND CREDIT MANAGEMENT , INC against Defendant XX/XX/2022 Trial scheduled for XX/XX/2022 XX/XX/2022 Motion to vacate submitted by Defendant XX/XX/2022 debt validation letter sent to plaintiff via certified requesting information to validate debt that is claimed to be owed XX/XX/2022 no response from plaintiff with documentation XX/XX/2022 REQUEST FOR ADJOURNMENT submitted by XXXX, XXXX of XXXX XXXX XXXX XXXX, XXXX on behalf of MIDLAND CREDIT MANAGEMENT , INC .

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-29
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Inaccurate and defamatory information is being reported on my credit report. I have made XXXX  attempts to contact this company to update my credit report by deleting all negative unverified and inaccurate information from my file. My first letter was signed and received by them in XX/XX/2022. I received a response with an itemized list of charges they claim I owe. I then mailed a second letter validation letter, which they received in XXXX. 
I have given well over XXXX XXXX for the company to verify this erroneous information with no proof in sight. How is it possible for them to continue reporting clearly unverified, invalidated, and inaccurate information to my credit report?

Company response to consumer: Closed with explanation