BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-20
Company: Valer Enterprises, Inc
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
valer enterprises at XXXX XXXX XXXX, XXXX XXXX XXXX ny  XXXX had a man by the name of XXXX XXXX XXXX XXXX file # XXXX, call me about a check I had made to XXXX. I told him I could pay in a few weeks he told me NO that won ; t do and writing bad checks is against the law and I would be arrested. I said well arrest me then and hung up. I called him back paniced and said if I pay next thursday would that be ok he said yes and he would stop the sheriff from coming to my house. I am XXXX and told someone who cares for me about this and she said, what he did was not legal. He had left a message on my phone impersonating a lawyer saying coscto had called his FIRM and retained him. I still have that tape. 

yours truly XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
First dispute letter was sent on XX/XX/2021, the second was sent on XX/XX/2021, third letter sent XX/XX/2021, fourth letter sent XX/XX/2021, fifth letter sent XX/XX/2021, and final XX/XX/2021. There has not been any verifications or proper updates to the credit reports. 

The disputes and letters was sent to all three credit bureaus. XXXX  Consumer, XXXX, and Equifax. I have been disputing this for months and begging for removals and verifications. I have not received anything. I should not have any derogatory items reporting on my credit report. All items in collections should be removed as requested!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
Company: Experian Information Solutions Inc.
State: TX
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:
Since XX/XX/XXXX started trying to fix this issue. There are accounts and personal information that are showing on my credit report that are not mine. Letters was sent to the XXXX credit bureaus, Experian, XXXX and XXXX on XX/XX/XXXX and nothing has been done.

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 2022-08-13
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In a accordance with the fair credit reporting act XXXX account # XXXX below has violated my rights XXXX5 U.S.A 1681 section 602 A states I have the right privacy.

15 U.S.A 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692 section 805 A section 3 states as the consumers place of employment if the dept collection knows or has reason to know that the consumers employer prohibited the consumer from receiving such communication 15 U.S.C 1692 section 805 A states dept collector may not communicate with a consumer in connection with the collection in any dept at any unusual time or place known to be inconvenient to the consumer 15 U.S.C 1692 section 806 section 5 causing a telephone to ring or engage any person in telephone conversation repeatedly or continually with intent to annoy, abuse or harass any person at the called number 15 U.S.C 166b A creditor may not treat a payment on a credit card account under and open end consumer credit line as late for any reason XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXXXXXX # XXXX XXXX # XXXX XXXX XXXXXXXX XXXX  # XXXX XXXX XXXX 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 2017-10-18
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This company XXXX wanted to check my credit report and I did not give them permission to do that XXXX XXXX sent me an alarm email to let me know this was on my report with XXXX credit bureau and not XXXX. This is the name that made that inquire XXXX XXXX XXXX there phone number is XXXX XXXX XXXX XXXX XXXX, FL, XXXX. I did not give them permission to check my 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 explanation
Consumer complaint received 2022-05-03
Company: PENTAGON FEDERAL CREDIT UNION
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:
On XX/XX/XXXX I Have Realized In Accordance With The Fair Credit Reporting Act XXXX XXXX  XXXX Has Violated My Rights 15 U.S. C 1681 Sections 602 A States I Have The Right To Privacy 15 U.S. C 1681 Sections 604 A It Also States A Consumer Reporting Agency Can not Furnish A Account Without My Written Instructions or Consent Also There Was A Hard Inqury That XXXX  of XXXX Bank And XXXX XXXX XXXX Issued XX/XX/XXXX Without My Knowledge As Well

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 2021-11-22
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
Barclay Bank did NOT solve any of the problems from my original complaint. They did not even terminate XXXX 's employment at Barclay. There's no indication that they actually read any of my complaints. They only sent me generic responses. 

If they are not able to solve any of these problems, we should continue the legal battle well into XXXX or XXXX. This is NOT something I will put up with, just to be clear. 


Original Complaint that was sent to Barclay on XX/XX/XXXX Date : XXXX, XX/XX/XXXX, XXXX XXXX Subject : Complaint against XXXX To : XXXX XXXX : XXXX Hi Barclay Bank : I called Barclay Customer Service on XX/XX/XXXX and I spoke to someone name XXXX. 

She refused to give me her last name and she gave me a fake employee ID. 

She told me she is located in XXXX, Nevada. ( if that's not a lie ) I had questions about my account which XXXX could not answer and refused to answer. 

We got to a point where I asked a question and she said that she did not have a response for me. 

She's very XXXX and rude to me the whole time. 

I had to escalate to a manager in order to get my questions answered and took care of business in my account. 

Please listen to the recordings from that day. 

XXXX talked to me like she was my boss and I was begging her for help or something. 

She lacks customer service training and sympathy as a human being. She left me with no choice but to formally report her. 

Please terminate XXXX 's employment at Barclay. She's a XXXX XXXX  at Barclay. She brings XXXX to Barclay. 

Thank you, 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 2018-06-04
Company: ENCORE CAPITAL GROUP INC.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Hello, Im submitting this complaint to XXXX XXXX XXXX. because this company keeps on calling me. When I finally picked up the phone to see who it was, it was that company XXXX XXXX XXXX. They told me that I owed in a XXXX XXXX credit card from XXXX XXXX XXXX dollars and that account was 2 years old and closed. This account doesnt even show up in my credit report so it doesnt make any sense for them to be calling me to try to scam me. This call happened on XX/XX/2018 when I picked up the phone. The person, s name is XXXX XXXX from XXXX XXXX XXXX. I want them to stop calling me for something that I dont owe. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-03
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:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX Account # 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-29
Company: JPMORGAN CHASE & CO.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On  XXXX / XXXX / 2017  around  XXXX   XXXX  I calle d Chase Credit Cards to request a confirmation of the expiration date of the 0 % interest on the amount borrow ed. I was provided such information :  XXXX / XXXX / 2017 . Consequently I asked what the pay-off amount would be at that date assuming I would continue to make the minimum payments until the n ( Chase already charge me the interest upfront and called it a transfer fee ).  The representative transfer the call to  XXXX   XXXX  TX to a supervisor named  XXXX   XXXX   XXXX  refuse to provide such information and suggested I call back in    XXXX    2017  to obtain the pay off amount. I intend to set the minimum payments in automatic bill pay through my bank and to pay the final pay off amount in the same fashion. I believe tha t Chase refused hoping I will be late on my payments with the expectation of collecting related fines and fees. Please have someone at Chase c all me back with the requested information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 repeatedly asked TransUnion to investigate the collection agency  XXXX   XXXX   XXXX . They have placed a delinquent  XXXX  and a half year old account on my credit report and list the original creditor as  XXXX   XXXX .   XXXX  This account is inaccurate because I did NOT own ANY  XXXX   XXXX  account 4 years ago ; I attained my first  XXXX   XXXX  account last year --  XXXX   XXXX  can confirm this. In addition, the account was not in collectionsstill isnt listed on the other credit bureausuntil after my first submission of request to investigate i n  XX/XX/XXXX / XX/XX/XXXX  ;  this account was then upgraded to in collections status. Moreover, it appears that information from my original letter to TransUnion was used to adjust the estimated removal date. To my understanding, manipulation of credit information to secure debt on bureau reports is a violation of the Fair Credit Reporting Act.

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 2022-08-26
Company: Experian Information Solutions Inc.
State: IN
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, has violated my rights 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 sec 604 A section 2 It also states a consumer reporting agency can not furnish a account without my written instruction. 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. This has all cause a drastic drop in my score and unwanted hardship Im a time of need I deserve better I earned it no matter what the reporting is showing

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 2022-01-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
As attached, I mailed in my payment/remittance coupon for {$500.00}. on XX/XX/XXXX. It was delivered USPS by way of certified mail with tracking number XXXX on XX/XX/XXXX. As of today XX/XX/XXXX, there has been no credit received or applied on my account for the amount of {$500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18
Company: HireRight Solutions, Inc.
State: MD
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: Problem with personal statement of dispute

Complaint:
i applied for a job and the company preformed a Fair Credit Reporting Act, Consumer Reporting Agencies reported investigation into my background history, the consumer agency reported and Driver Involved Accident ( XXXX ) which denied my pre-employment interest with e transportation company. The Information reported to the company is not accurate with the XXXX XXXX XXXX XXXX XXXX, PSP screening program. By rule, the individual can request to obtain information about a file of a consumer reporting agency, if you are unemployed but expected to apply for employment within 60 days. Consumer reporting agencies must correct or delete inaccurate, or unverifiable information ... ..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX Account # XXXX Account # XXXX Account # 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 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 2021-02-18
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XXXX of 2012 we filed for Chapter XXXX Bankruptcy case, after 4 years of this intensive process, our BK was successfully discharged. As a result, the Bankruptcy judge approved a Stipulation with new terms and conditions including a reduction on the balance on the mortgages we had with creditors at the time ( XXXX  ). 
We've been contacting this particular Servicing company over the phone and requesting to adjust and correct the total balance from this loan as it still reflects the original Pre-Bankruptcy balance in our account. 
We are now trying to refinance that specific loan, however Rushmore Loan Management Services the holder of the note explicitly declined to comply with the order from the judge in Bankruptcy court. 
We provided a formal request and the proper documentation to fix this error in their books with negative results from Rushmore. 
We are including all the documentation we presented to Rushmore, including : -Our formal request -Copy of the Stipulation approved by the BK judge -Final Decree showing our BK case was successfully discharged -Included you will also find Rushmore 's negative response to our request. 

Needless to say, this is preventing us from refinancing this loan and creating an enormous amount of stress in our family. 

We thank you in advance your help and support to our request for assistance. 

Respectfully XXXX & XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
on XX/XX/2017 I SUBMITTED A IDENTITY THEFT AFFIDAVIT REPORT ALONG WITH DOCUMENTS TO BLOCK THE INFORMATION DUE TO FRAUD. TRANSUNION & XXXX REFUSE TO BLOCK IT. THEY SAID THEY WONT BLOCK IT BECAUSE THEY BELIEVE I MADE A MISTAKE. SO I RESUBMIT IT AND TOLD THEM IT WASNT NO MISTAKE AND THEY STILL REFUSE TO BLOCK IT. TRANSUNION SAID THEY DO NOT HONOR THE FTC IDENTITY THEFT AFFIDAVIT. THEY ALSO REFUSE TO BLOCK THE INQUIRIES AND REMOVE THE FRAUDULENT ADDRESSES.

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 2017-10-20
Company: U.S. BANCORP
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
Purchased {$200.00} prepaid card on XX/XX/XXXX.
Card was denied when I tried to used for {$200.00} purchase.
Looked up card information at XXXX and found out that there was an unauthorized fraudulent charge in another state that depleted most of the balance. The card was always in my possession and had not been taken out of the packaging prior to my first attempt to use.
Called number on back of card and was told to fax card info, photo of front and back of card, name, phone number, address, email address and receipt.
Submitted fax on XX/XX/XXXX. Did not receive a response.
Resubmitted fax and copied the CFPB.
Received response from CFPB only.
Called number on back of card and was transferred to the Prepaid Debit Dispute Center on XX/XX/XXXX. Was told my claim was denied due to " too much time has passed '' Called CFPB and was told how to submit a CFPB claim online 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 monetary relief
Consumer complaint received 2020-10-07
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:
THE ACCOUNTS/INQUIRES LISTED ARE FRAUDULENT SOMEONE USE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN AND TO FILL OUT MUTIPLE APPLICATIONS IN MY NAME I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-20
Company: DISCOVER BANK
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Previous claim # XXXX. I have repeatedly told Discover they are not allowed to contact and discuss my information with my mother and she continues to receive weekly harassing calls from Discover. I have told Discover the only number I can be reached at is my personal cell phone yet they keep calling my mother trying to collect from her.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-20
Company: WELLS FARGO & COMPANY
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We have been trying to modify/refinanc my mothers mortgage. Wells Fargo keeps turning us down. We had previously filed a complaint Wells Fargo acted like they wanted to work with us then proceeded to act the same way

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 2022-04-10
Company: EQUIFAX, INC.
State: NV
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Capital One Auto on XX/XX/XXXX This is an auto loan debt that was not mine. Someone by the name of XXXX XXXX used my name as a co-signer for an auto loan that I have no recollection of until recently when I was trying to repair my credit. Look at the original loan paper as well as the DMV paperwork and it will show that my name was not on that title or on that police report when this car was in a wreck sometime in XXXX. I did my investigation and that's what I found out from the XXXX XXXX police station. This was not a case that they can assist me with in filing an actual police report. I tried numerous times to get this off my credit report from all 3 credit bureaus but it is still there and ruining my credit. If they can't provide me with my name and signature on that loan and car title then please remove it off my credit report.

Company response to consumer: Closed with explanation