BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-31
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
Hello, My name is XXXX XXXX XXXX XXXX On XX/XX/XXXX, I received a letter from my Graduate School, XXXX University, indicating that I was identified as an individual that was involved in a data breach of my personal information ( including- my name, address, date of birth, and social security number ). The school determined that in XX/XX/XXXX my information was exposed to hackers. I have reviewed my credit report and I have identified inquires that I have not committed myself. Below is the breakdown by the credit bureau of what does not belong to me and should be removed from my credit report. They are the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXXXXXX  XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX Please feel free to reach out to me directly for any additional questions you may have. 

Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31
Company: Experian Information Solutions Inc.
State: MI
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:
Hello To Whom It May Concern, I must admit its very frustrating to have to have large companies just refuse to fix the problem in a such a high handed way. As XXXX, And EXPERIAN are refusing to remove the following public record from my credit report. 
XXXX XXXX Bankruptcy XXXX XXXX : XXXX Ive been disputing this matter since XX/XX/2021. From XXXX 2021 the companies XXXX, and EXPERIAN has claimed the public record, XXXX  XXXX bankruptcy was verified by a company named XXXX. they mentioned I needed to conduct my own investigation., After doing my own investigation from XXXX 2021, XXXX agreed the XXXX XXXX Bankruptcy was not verified and, According to the FCRA law, the Bankruptcy was not verified in a timely matter, and was no longer accurate. It needed to be deleted immediately by all CREDITORS REPORTING THE INACCURATE ACCOUNT. I have provided the companies XXXX, and EXPERIAN over and over with DOCUMENTATION stating the XXXX XXXX bankruptcy is not verified by XXXX, and needs to be deleted, Nor does the Bankruptcy Court report to Credit Bureaus. 

XXXX and EXPERIAN are disregarding my documents from XXXX, and the bankruptcy court. As they are choosing to still report the inaccurate XXXX  XXXX Bankruptcy. Although XXXX has DELETED the inaccurate information. XXXX and Experian are causing deformation of my character as Im unable to get approved for new lines of credit and if approved for credit theres a high interest rate to pay. Ive filed complaint after complaint Im not sure what else to do. Ive been denied employment due to XXXX and EXPERIAN continuing to report a inaccurate XXXX  XXXX Bankruptcy on my credit report. The companies XXXX and EXPERIAN needs to stop giving me and XXXX a hard time disputing the bankruptcy.

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 2016-06-10
Company: JPMORGAN CHASE & CO.
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
My wife and I believe that we are victims of unfair and deceptive banking practices. We now have documented proof that Chase Bank has been issuing pending ATM credits into our bank accounts which makes our balances appear larger than what they really are. Then, Chase Bank will takes the credit away causing our accounts to overdraft. This practice has been going on for several years and has resulted in us paying over {$10000.00} in overdraft fees. The center of our frustration comes from the fact that when we call to inquire about the ATM credits, the bank has no record of the transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31
Company: Upgrade, Inc.
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I have notified this company that this account doesn not belong to me and that my identity have been stolen and this account was opened up fraudulently. They have not updated me with any information and I want this debt to be remove/cancelled as well as my credit report update immediately. I have tried disputing this through the credit bureaus and not satisfing outcome

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-12
Company: Global Credit & Collection Corporation
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Global credit and collection group XXXX has not stopped calling for over 6 months even though I have repeatedly told them I am not the one whose debt they are trying to collect. I received a new number from XXXX and have repeatedly told them I will do whatever it takes to get my name off the list. Every single time they either hang up when they realize I am not the person looking for or they quickly say ok sir we will take you off, good bye. They will not put me on the phone with a supervisor and I am left with over XXXX missed calls a day on average, a few times they have even called past XXXX at night.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31
Company: Colony Brands, Inc.
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/2021, someone allegedly named XXXX XXXX ordered a laptop computer online and it was shipped to XXXX XXXX XXXX XXXX, XXXX, OR, XXXX. This week, I was notified by XXXX that I had a past due account. I called XXXX XXXX  and notified them. They told me to file a claim on XXXX. and send them a notarized letter which states it was fraudulent. The claim has damaged my credit rating and the company has not removed the late payment allegation. I have closed the account and requested relief.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31
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 recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, XXXX and equifax i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15
Company: Aldous & Associates, PLLC
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 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 15 U.S.C 1666 B : 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 response to consumer: Closed with explanation
Consumer complaint received 2022-05-15
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: Account information incorrect

Complaint:
I excercised my rights under the Fair Credit Reporting Act Section 611 ( a ) ( 6 ) and ( 7 ) and requested of Experian there method of verification as it pertains to a XXXX XXXX XXXX account that was been reported on my credit report. They got my request on XX/XX/XXXX and the Fair Credit Reporting Act states that the credit bureau should provide me with such information within 15 days of getting that request. Up to today XX/XX/XXXX Experian has not sent me the method of verification used to determine the accuracy of a XXXX XXXX XXXXXXXX account that has been reported on my credit report. This is a clear FCRA violation. During the past year I have filed numerous complaints about this but they have ignored my complaints. The XXXX XXXX XXXXXXXX account continues to be reported incorrectly on my credit report. The Fair Credit reporting Act clearly states that if the credit bureau fails to provide there method of verification within 15 days of the request been made then the account should be deleted from the person 's credit report. 
Kindly delete XXXX XXXX XXXXXXXX from my account immediately. I have enclosed a copy of the letter I sent to experian requesting the method of verification. I have also enclosed a copy of the receipt from the postal service showing that Experian got my request for the method of verification on 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 2015-07-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
Capital One Bank is presently advertising this special savings account : XXXXWhen I contacted them to open this account, they refused to extend the offer to me, saying that I had an account there once before ( which I closed in good standing XXXX years ago, in 2007 ). I have excellent credit. There is no reason for them to refuse to let me open this account now. What do you think?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31
Company: Mr. Cooper Group Inc.
State: OK
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
My wife and I divorced in XXXX of XXXX. I given full custody of my children and I awarded full ownership of our house. In XXXX of XXXX when covid happened I lost my part time job and lost hours on my full time position. I applied for a forbearance plan with Mr. Cooper. After my forbearance plan ended this year I turned in all of my paper work for my loan modification and it was approved and It did not require my Ex wifes signature. They told I needed sign some finally documents and they could send a notary out to my house. I signed the documents in early XX/XX/XXXX. They were rejected because my ex wife did not sign the papers. I dont know where she lives or who she works for. I have zero way to track her down. I have asked her on numerous occasions to sign a quit claim deed and she denied. I told about the notary and she denied to sign that. Mr. Cooper has given no solution on what I can do. I believe they trying to unfairly force foreclosure on my house. In the month of XXXX I have spoken to Mr. Cooper at least twice a week trying to come up with a solution. My ex wife finally booked a XXXX XXXX in Texas over XXXX week and took the kids I called Mr. cooper and booked a notary to come out to the place she was staying but the appointment was never confirmed and a notary never showed up. I feel like Mr. Cooper is trying to force a foreclosure on my house. In our divorce decree it states that if XXXX refuses to sign that our decree will work as a conveyance of property. I sign the notary paper on XX/XX/XXXX. I havent heard from my ex wifes since XX/XX/XXXX. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27
Company: Alliance Group & Associates LLC
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
Received multiple calls last week and each time I answered the phone, the person would hang up. I called back several more times and after getting the man on the phone, he told me there was a problem with the calling system. He finally told me who he was and that he was calling about a debt that occurred in XXXX for {$150.00} ( co-pay ). He became very hostile and said I needed to pay my XXXX bill. After asking to speak to a supervisor, he hung up on me. I called back three more times ( each time resulted in him hanging up on me ) until he finally put me on the phone with a supervisor ( she assured me he would be disciplined for his behavior ). I did make a payment arrangement for XXXX of the bill because I felt like it had already been paid but was told that my credit would be affected if I did not " handle my business like an adult ''. Since then, I received two more phone calls from XXXX different companiesXXXX claiming they are calling to recover the same {$150.00} for the same XXXX account. I called XXXX and asked to speak to the supervisor over billing. I was told that first of all, they did not know why a company would be trying to collect on a {$150.00} account from XXXX plus years ago and that they ( XXXX XXXX felt as if it was a scam. She advised me to call and cancel my transaction with Alliance Group and Associates because the only thing they showed in their archives was a {$50.00} co-pay that had been taken care of years ago. I did as they suggested and called Alliance, only to be spoken to by XXXX in a hostile and belittling manner. When I repeatedly told him I wanted the transaction cancelled and documentation showing the cancellation, he very rudely asked me did I want to, " handle things my way or the right way?!? '' and finally put me on the phone with his supervisor. She advised that the transaction would be cancelled but would not send me any supporting documentation, though I asked several times for something in writing. Alliance repeatedly called my elderly parents home, harassing them and even called my former in-laws, who I had not spoken to since XXXX, and left hostile messages on THEIR answering machine. This company is highly unprofessional, unethical and I feel almost criminal in how they do business. Even the hospital said they have no idea how, 15 plus years later, they got a hold of my account information. In closing, both XXXX and his supervisor, XXXX, threatened to have to, " call the original account holder that purchased my account and tell them I was uncooperative '', saying I was setting myself up for legal problems.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2020-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Trans Union will not update my credit report. It states that I have 12 years of late or delinquent payments. This is not true and late payments do not show on my credit report. I have called several times and can only speak with a support agent. I have asked what are the late payments and why doesn't XXXX  and XXXX  show the same information. I have asked these questions and have only be told that it could be multiple reasons but never have I been given a straight answer. I have been denied credit because of Trans Union and have had to use a different method which charges higher interest rates On my bank statement they use Trans Union to show my credit rating and when I look at my credit score it reads a poor. I have tried to dispute this message but can not on Trans Union credit bureau nor can I establish a complaint with their support group. In 2008 I did lose my job and went through a rough period for a few years but that was years ago. Even a bankruptcy is removed from a credit report by law after 7 years or less I think. How long will I be penalized? I need your help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22
Company: DMB Financial, LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
OnXX/XX/XXXX I enrolled in a debt settlement program through DMB Financial Program. I agreed to pay {$740.00} per month for 53 months to settle {$49000.00} in credit card debt. As of XX/XX/XXXX DMB Financial had not settled any debt for me and had taken out of my checking account from XXXX XXXX. {$3700.00} and a related company to DMB Financial took {$59.00} during the same time period for " education purposes ), totaling {$290.00}, and to this day did not settle any of my debts. Not one.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-31
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received a statement from Wells Fargo telling me that I have a new account. That was started on XX/XX/XXXX. I called them right away to claim that this is fraud and that I NEVER opened a checking or savings account with Wells Fargo. 

I asked them to cancel the account. Now I have a letter dated XX/XX/XXXX telling me that they can not close the account due to a bank restriction. It is their bank! 

What is going on? Are they back to the old tricks of opening accounts for people without permission?

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 2015-05-19
Company: Paypal Holdings, Inc
State: NY
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
In applying to XXXX University for a XXXX, I was required to pay a application fee ; the website used for that fee required a PayPal transaction to take place. Already having an account with PayPal, I logged in an updated my information. When I went to pay with my card that was linked to my PayPal account, I was taken through a series of forms that did not inquire about my credit card. I tried exiting what I was doing, as it was confusing to me. Going back to the main menu, I started over again and attempted to submit the payment, which was {$55.00}. It went through, and I realized that it went through as PayPal Credit, not a charge to my credit card that was linked to PayPal. Assuming at that point, it would deduct the amount from my linked credit card/bank account, I left my PayPal account alone. Two months later, I discovered I had a late fee charge of {$25.00} and also an interest charge, in addition to the {$55.00} charge to the new account that I never authorized. I am aware that CFPB is in litigation over the matter and very pleased that these practices are being condemned. I do not know if there are other ways to protect against such schemes. In any case, PayPal will not have my business, nor any other friends or family members, if I can help it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Hello To Whom It May Concern, I must admit its very frustrating to have to have large companies just refuse to fix the problem in a such a high handed way. As TRANSUNION, And XXXX are refusing to remove the following public record from my credit report. 
XXXX XXXX Bankruptcy Case Number : XXXX Ive been disputing this matter since XX/XX/2021. From XXXX 2021 the companies TRANSUNION, and XXXX has claimed the public record, XXXX  XXXX bankruptcy was verified by a company named XXXX. they mentioned I needed to conduct my own investigation., After doing my own investigation from XXXX 2021, XXXX agreed the XXXX XXXX Bankruptcy was not verified and, According to the FCRA law, the Bankruptcy was not verified in a timely matter, and was no longer accurate. It needed to be deleted immediately by all CREDITORS REPORTING THE INACCURATE ACCOUNT. I have provided the companies TRANSUNION, and XXXX over and over with DOCUMENTATION stating the XXXX XXXX  bankruptcy is not verified by XXXX, and needs to be deleted, Nor does the Bankruptcy Court report to Credit Bureaus. 

TRANSUNION and XXXX are disregarding my documents from XXXX, and the bankruptcy court. As they are choosing to still report the inaccurate XXXX  XXXX Bankruptcy. Although XXXX has DELETED the inaccurate information. Transunion and XXXX are causing deformation of my character as Im unable to get approved for new lines of credit and if approved for credit theres a high interest rate to pay. Ive filed complaint after complaint Im not sure what else to do. Ive been denied employment due to TRANSUNION and XXXX continuing to report a inaccurate XXXX  XXXX Bankruptcy on my credit report. The companies TRANSUNION and XXXX needs to stop giving me and XXXX a hard time disputing the bankruptcy.

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 2020-06-11
Company: EQUIFAX, INC.
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: Their investigation did not fix an error on your report

Complaint:
I have contacted Equifax and XXXX XXXX XXXX  several times concerning my inquiries and they have refused to remove the fraudalent inquiries and accounts off of my credit report. This is causing me major financial damage. Also XXXX XXXX XXXX  is reporting a fraudalent auto loan in my name. XXXX XXXX XXXX XXXX is also doing the same thing. I have been a victim of identity theft and all of these companies have failed to correct the inaccurate information. XXXX is also reporting collection accounts for student loans. These companies need to be made liable for iaccurate reporting and are violating my federal rights under all of the FCRA 605, 623, AND 611. IF INFORMATION IS NOT CORRECTED MY ATTORNEY HAS NOTIFIED ME WE WILL GO TO FEDERAL COURT FOR SERIOUS COMPENSATION AS WELL AS MY FEES PAID FOR LEGAL SERVICES.

Company response to consumer: Closed with explanation