BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-06
Company: Freedom Mortgage Company
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Freedom Mortgage is running a scam. They send a letter stating that they checked with your insurance company if you have hazard insurance and that if they dont hear from you, will start billing you. I have had the same homeowners insurance for 5 years on auto renew, and checked with my insurance company and they have no record of Freedom Mortgage contacting them. I provided Freedom Mortgage with my policy declaration, they dont answer their phones. They are hoping people dont notice the letter and then start billing them escrow for insurance they already have at exorbitant prices. This company should not be allowed to operate.

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 2022-07-04
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, 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 an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
Company: Credit Karma, LLC
State: AZ
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: Didn't receive services that were advertised

Complaint:
I XXXXXXXX XXXX  XXXX XXXX seen on or around XXXX to XXXX saw a lot of pre approvals on credit karma. At first i XXXX XXXX XXXX XXXX didn't pay it no attention but credit karma kept sending me all sorts of different pre-approvals and was telling me that i XXXX XXXX XXXX XXXX was also pre-approved for credit cards business and personal loans and that i can refinance my car. Everyday i XXXXXXXX XXXX  XXXX XXXX would see these offers every time i logged my email and to check my credit score. so after a few months of being told that i XXXX XXXX XXXXXXXX XXXX was pre-approved. I thought I was now in the right perfect place to apply. I got so many offers thought credit karma XXXX XXXX XXXX XXXX and pre-approved for credit cards and personal loan I started telling my whole family my kids and my love one about taken vacations and investments we were going to use these pre-approvals for. So i applied on or around some time in XXXX to XXXX and i got denied multiple times for 3 credit cards and a personal loan. I was distraught and i was very very angry and i felt deceived i was marketed to for many months. Credit karma told me that i was pre-approved this was a very big lie. I was severely stressed out I was nauseous for weeks. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX now every time i see pre-approved I immediately close my phone and shut my computer off. This has made me so uneasy anxious that i haven't checked my credit as frequently as i should.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
I requested a Pre-qualification From XXXX XXXX XXXX XXXX XXXX never wanted to apply for a loan or even consider applying and for some reason my credit was pulled from 3 credit companies Experian, XXXX, XXXX. I never personally requested this and for that matter I want this information investigated and removed because there is no way why this should happen to a person when they didn't request such information and I'm willing to go to the full-stand of the law to get this matter resolved, for good faith because XXXX XXXXXXXX is one of my favorite banks. Which is why I'm sending this letter because typically I just sued but I want to resolve this as passive as it can be thank you, the suggested information is as follows ( 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 2022-09-26
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
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:
In XX/XX/2022 I applied for a credit card with Citizens bank after responding to a pre approved offer from them. 

On XX/XX/2022 I received a declined letter stating " UNABLE TO VERIFY INFORMATION PROVIDED ON CREDIT APPLICATION '' as the decline reason. 

I would like to note that the decline reason provided by the Citizens bank did not contain any factual information and referred to Citizens bank internal difficulties processing the information on my application. 

All information that was provided on my credit card application is 100 % verifiable and Citizens bank refusing to provide a proper factual reason for the application rejection indicates that Citizens bank is hiding the real reasons they would not approve for credit an application in my consumer class.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
Company: Experian Information Solutions Inc.
State: MD
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:
In accordance with the Fair Credit Reporting act XXXX  Account, XXXX XXXX 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 an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-22
Company: Experian Information Solutions Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 

XXXX XXXX XXXXXXXX Account Number : XXXX XXXX : {$160.00} XXXX XXXX XXXXXXXX Account Number : XXXX XXXX : {$160.00} XXXX. XXXX XXXX Account Number : XXXX Bal : {$180.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Bal : {$500.00} XXXX XXXX XXXX XXXX Account Number : XXXX Bal : {$250.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Bal : {$820.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-26
Company: Experian Information Solutions Inc.
State: NY
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 XXXXXXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # 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 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 2022-09-26
Company: EQUIFAX, INC.
State: NY
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 XXXXXXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # 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 2022-09-26
Company: 1st Franklin Financial Corporation
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received a notice dated XX/XX/2022 from 1st Franklin Financial Corporation stating that I the consumer owe a debt that has not been validated or verified. I have sent a Conditional Acceptance and a Cease and Desist notice to 1st Franklin Financial and they have not provided me what I have asked for under perjury. 

I am a consumer these debt collectors can not state that I owe anything ( 15 United States Code 1692b ( 2 ). They also can not threaten to sue ( 15 United States Code 1692d ( 1 ) ) or continue to collect a debt after receiving a cease and desist ( 15 USC 1692c ( c ) which includes reporting false and misleading information to the consumer reporting agencies ( 15 United States Code 1692e ( 8 ). 

The collection efforts must stop or I'm going to have to pursue litigation with the abundant evidence that I have.

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 2022-07-04
Company: EQUIFAX, INC.
State: MS
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, 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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: Early Warning Services, LLC
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
A friend on XXXX, XXXX XXXX, was hacked. They were rehoming their dog and asked for a fee, which isn't uncommon. We had XXXX XXXX where " he '' showed us the puppies. The connection was bad and the video dropped. He texted that his connection was bad and that we can send {$100.00} through Zelle. We agreed and used Zelle through XXXX XXXX XXXX XXXX. The name on the Zelle was XXXX XXXX and was given the email address XXXX and was paid {$100.00} on XX/XX/2022 at XXXX. The person had given us XXXX 's address and was okay for us to meet there. When he arrived XXXX was completely unaware of what happened. The inside of his house did not look like the house in the photos or video chat. It was then we knew that someone hacked his account and pretended to be him. I have called XXXX XXXX but could not help me at all. I have sent the report to Zelle as well in regards to this. Had I understood fully that Zelle XXXX in this aspecr, I would have never used it as I am unable to recover my money, despite the proof that I have be scammed under the guise of someone pretending to be someone we knew. They have since blocked my husband and I on XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08
Company: Experian Information Solutions Inc.
State: CA
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. XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account 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 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 2022-07-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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, 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 an account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-06
Company: Incomm Holdings Inc.
State: AR
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to pay a bill

Complaint:
DEAR CONSUMER FINANCIAL PROTECTION BUREAU IM REACHING OUT TO THIS AGENCY ABOUT IM HAVING PROBLEM ISSUES WITH & BUSINESS FINANCIAL COMPANY GOES BY THE NAME OF INCOMM FINANCIAL SERVICES INC CONSUMER CUSTOMER PURCHASE XXXX XXXX DEBIT CARD AT XXXX  RETAIL STORE LOCATION CONSUMER CUSTOMER HAS PHOTO COPY OF ORGINIAL RECIEPT THAT HE PURCHASE FROM XXXX  RELOAD STORE LOCATION CONSUMER CUSTOMER LOAD XXXXXXXX XXXX ON XXXX XXXX XXXX XXXX XXXX & AFTER THE CONSUMER CUSTOMER PURCHASE THE XXXX XXXX XXXX XXXX HE BEEN HAVING DELAY PROBLEM ISSUES WITH USING HIS XXXX XXXX XXXX CARD WITH PAYING BILLS ONLINE SHOPPING THE CARD COMPANY HAS CLOSE MY XXXX XXXX XXXX XXXX WITHOUT MY CONSENT FOR NO REASON PREPAID DEBIT XXXX XXXX CUSTOMER NUMBER XXXX CONSUMER CUSTOMER NEED ACCESS TO HIS FUNDS INCOMM FINANCIAL HAS BLOCK ACCESS TO MY PREPAID DEBIT CARD ACCOUNT CONSUMER CUSTOMER HAVING HARDTIME WITH INCOMM FINANCIAL UNBLOCKING MY CARD ACCOUNT CONSUMER INCOMM FINANCIAL INC REFUSE TO SEND CONSUMER CUSTOMER REPLACEMENT PREPAID XXXX XXXX XXXX AS WELL TO HIS PHYSICAL MAILING ADDRESS CONSUMER CUSTOMER DID NOT ASK FOR REPLACEMENT CARD TO BE MAIL OUT TO HIM

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Portfolio recovery and associates has been illegally reporting multiple inaccurate misleading incomplete unverifiable accounts on my XXXX XXXX XXXX 

After sending portfolio recovery and associates a cease and desist letter because the company could not fully and completely verify an account under the name XXXX XXXX original creditor. 

I have no knowledge of this account. And portfolio recovery and associates has not able to send me any documentations with my original signature our statements proven that this account actually belongs to me. A violation of federal law

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: Paypal Holdings, Inc
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
An unauthorized charge was made to my account for {$300.00} on XX/XX/XXXX at Paypal. I found out on XX/XX/XXXX and alerted Paypal immediately. They opened a case ( XXXX ) to resolve and resolved it in my favor on XX/XX/XXXX indicating they would recover the funds. The case was then closed by Paypal and nothing was communicated. I followed up and was told they sent a " follow-up '' about the transaction. A new case was created on XX/XX/XXXX ( XXXX ) through this. It too was resolved in my favor on XX/XX/XXXX. But again no communication was had after the fact and the funds were not returned as promised. I reached out again on XX/XX/XXXX and they opened another case ( XXXX ). Again, the determination was made on XX/XX/XXXX that " the activities in question on your account are unauthorized. '' But again nothing was done. So I reached back out to Paypal again and they opened yet another case ( XXXX ) to re-issue the funds back to my account on XXXX. But the case has been closed again, after being resolved in my favor again. I'm seeking to file a complaint due to the continued deceit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-09
Company: Experian Information Solutions Inc.
State: CO
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 have tried to correct my information on both credit reporting agency and they are not correcting this misinformation and they just do a haphazard investigation my opinion! 

First is that XXXX card popped up again when this was included in my XXXX bankruptcy and only in that bankruptcy! I never filed after that, they should be filed big time for their false reporting! XXXX never gave me another card after that bankruptcy! 

Second is a false report of a second bankruptcy in XXXX, where do these incompetent people get their information! This is upsetting me big time! 
I have tried to repair my credit with XXXX  XXXX and was stole XXXX points due to this XXXX of incompetent reporting and lies! Now my score is back down to poor after the hard work I have tried to build up! Why even try when this XXXX is happening?? 
These people are deceptive to say the least! 
Plus my reports said I was in good standing with XXXX  and on the same date they say Im in a negative state! Totally hypocritical information and false!

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 2020-04-17
Company: MARINER FINANCE, LLC
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: Old information reappears or never goes away

Complaint:
I sent the dispute through XXXX XXXX XXXX  to be removed due to the seven year limitation and received no response.

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 2023-08-02
Company: Experian Information Solutions Inc.
State: CO
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:
Hello, I requested a dispute to change my number with Experian credit bureau, but they only removed the old one and added a completely different number from mine and didn't even ask for the actual number.

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 2022-07-29
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have disputed with this company on various occasions starting back since XXXX of XXXX. The company has received my disputes in XXXX, XXXX, XXXX, and in XXXX. Each response comes back with it being verified by a third party such as XXXX XXXX or the courts. When i send in supporting documents from both third parties stating there is no record of said bankruptcy they still tell me it's verified. It is now yeXXXX and i've yet to get a satisfactory/ accurate reporting, which has been hurting my credit status for years upon years. The last time i disputed in XXXX i did not get a response and the FCRA gives the company 30 days to respond. i have not gotten a response.

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 2022-09-26
Company: Garrison Investment Group
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:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
FOUNDATION F XXXX Date Opened : XX/XX/2018 Balance : {$0.00}

Company response to consumer: Closed with explanation