BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-11
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Excessive fees

Complaint:
My credit app just took {$25.00} from me when that's very well on XXXX says the website is free it is not free I'm on social security XXXX XXXX XXXX trying to improve my credit for very known reasons the pandemic for one in any case they took {$24.00} out of my XXXX account okay and they will not fix the credit and they will not allow me to add my XXXX XXXX card which the government knows that's how I get paid from XXXX therefore I can not get a boost why would I pay a company to do absolutely nothing for me they don't give you access to the dispute site they took my money services are not rendered you can't get a hold of them to support on the website or by phone you can't even barely find the phone number it took me 2 hours to find it I want my money back because they will not allow me to add XXXX XXXX so I can't get a boost because that's how I pay all my bills please help and fix this problem we as American we have that right and we deserve to have our credit in good standing without being ripped off and getting the points we deserve

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 2022-08-01
Company: The Leviton Law Firm, Ltd.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2022, I received a call from Leviton Law at XXXX in an effort to collect a {$7000.00} debt on behalf of my father and a business he briefly served as the CEO of and stated that I have an obligation to the debt. 

I have absolutely no involvement or employment history with the business whatsoever and have no obligation to the debt or any matters pertaining to the business and the debt in question was prior to my father 's brief employment with the organization. 

I have not acknowledged the debt with Leviton Law and am in the process of drafting a cease and desist with legal representation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
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 previously submitted a complaint addressed to the Credit Bureaus requesting that the Credit Bureaus correct and or remove the disputed accounts from my Credit File. I submitted a letter to the 3 Credit Bureaus last XX/XX/2022, to update this suspicious information that are still being reported on my Credit File despite my multiple attempts to dispute these information. I think that the Credit Bureaus have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them once the Credit Bureaus do not comply with my requests in accordance with the FCRA regulation. This was already included in my prior COMPLAINTS, and I'm including it again. Under the FCRA, please investigate the following accounts : XXXX XXXX Balance : {$3400.00} XXXX XXXX Balance : {$4700.00} XXXX XXXX Balance : {$9400.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: Experian Information Solutions Inc.
State: NC
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-09-28
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It has been an encounter going over this and I am submitting this complaint AGAIN to remove the fraudulent account in my file that is reporting on Experian Credit Bureau. I would like to request the suppression of this account from my credit report, which is the result of a fraudulent item origination and identity theft. I have already done my part by sending my documents like my DL, SSN, Address, and the dispute letter I sent to Experian. Also, I have sent my FTC report to them but still, nothing has changed. Pursuant offer section 605B ( a ) ( 1 ) ( 2 ) you are required to BLOCK or REMOVE any information in my file that resulted from alleged identity theft, not later than 4 business days after the date of receipt PLEASE DELETE IMMEDIATELY! 

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 non-monetary relief
Consumer complaint received 2022-09-28
Company: Experian Information Solutions Inc.
State: TN
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 FCRA the following creditors : 1 ) XXXX XXXX XXXX account number XXXX has violated my rights 15 USC 1681 Section 602 states I have a right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 15 U.S.C. 1681a further states : ( 2 ) Exclusions.

Except as provided in paragraph ( 3 ), the term consumer report does not include -- ( A ) subject to section 1681s-3 of this title, any -- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. The term " consumer report within the statue is defined as " In general. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.

Within the statue the term " person '' is defined as ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity.

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 2021-08-03
Company: TD BANK US HOLDING COMPANY
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: Account status incorrect

Complaint:
Due to my husband 's business experiencing a loss because of Covid, I fell behind on my Target Bill. I contacted them in XXXX, and they provided me a Covid hardship payment plan which closed my account and I would continuing posing the balance each month. Every month XXXX and XXXX have reported the account closed. However, XXXX has reported inaccurate information. I have spoken to both parties and submitted disputes. They will not correct the infraction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: WELLS FARGO & COMPANY
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
The complaint is to Wells Fargo Bank I am a XXXX woman and live in low income housing. I receive a monthly social security check but basic expenses exceed the amount by about {$500.00} a month. I freelance by editing documents to meet expenses. I am always struggling to make ends meet. 

I am being sued by Wells Fargo Bank for non-payment of credit card expenses following my being scammed for {$3500.00} on XX/XX/XXXX. The amount I'm being sued for is {$5600.00}. 

On XX/XX/XXXX I received a voicemail saying there was trouble with my XXXX account. I called the number and a man told me that he was with XXXX. He had hacked into my computer and was talking to me and writing me notes. He said I had to go buy an XXXX card for {$500.00}, not to tell anyone, then take a picture of the receipt, etc. He said I'd get the money back. For some reason, I did what he said. In the end, I went to several different stores, was in contact with him for XXXX hours and bought XXXX cards adding up to {$3500.00}. He said my account still wasn't working and we would continue the next. The next day I woke and realized that I had been scammed. 

I went to Wells Fargo on XX/XX/XXXX and told my story and asked if they'd waive the charges for {$3500.00}. They responded on XXXX XXXX saying they would not. 

I reported the scam to a lawyer for senior citizens who told me to file a police report with the XXXX XXXX, which I did. My case number was # XXXX. I was told to file a report with the FBI which I did. 

I was served on XX/XX/XXXX and told to appear in court on XX/XX/XXXX. I filled out all the proper forms. I contacted the collection agency representing Wells Fargo and said I could pay XXXX  XXXX. The agency said that Wells Fargo wanted XXXX XXXX or XXXX payments of {$1500.00}. I said I could pay XXXX XXXXXXXX and was told that Wells Fargo would probably have a counter offer and to contact the agency in a week. 

Thank you for your attention.

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 2022-12-10
Company: National Credit Adjusters, LLC
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: 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 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: Freedom Mortgage Company
State: IN
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
In XXXX of XXXX my husband XXXX XXXX was Hospitalized for XXXX he was off work and on XXXX for a few months and Freedom Mortgage put us in a COVID19 Forbearance and we were put in the Modification program to help bring our house note down. On XX/XX/XXXX we received our letter from Freedom Mortgage stating after careful review and was approved for COVID19 Refund Modification and Principal and Interest was {$930.00} interest rate of 3.250 % and a estimated Escrow of {$350.00} and as long as I didn't appeal within 14 days at which we didn't appeal but I called and asked when 1st payment due I was instructed XX/XX/XXXX in which we paid {$1200.00} but was instructed they made a mistake and was reviewing again but no one had informed me about this I only found out when asking about when to send first payment. I had also been terminated XX/XX/XXXX due to non- vaccination I currently work 2 days a week now. I was informed just to keep making payment until a new review comes to us. I never heard so I called back in XXXX and it still showed nothing but was informed they had turned us into the Credit Report but they sent me a letter saying they contacted Credit report and had corrected it because they had made a mistake sending it. We finally received a second document saying the new amount was {$1300.00} something and I needed to sign paperwork by XX/XX/XXXX I believe was the date but after talking with one of their representatives about change in our taxes that put us in a lower tax on Farm land he told me he would put a note before the Modification reviewers, which was before the deadline, so they could reevaluate since change to lower the taxes of Mortgage, so I waited for new update didn't hear from Freedom Mortgage so I called them just to find out by XXXX that he was sorry to inform me that that wasn't correct so we would have to start over again for a 3rd time. I asked them why aren't they held accountable being I was given wrongful information and this has been nearly a year and they've made nothing but mistakes this hold time that I feel we've been misrepresented by them and my husband as a Veteran hasn't been helped but instead we feel they want to take our property and this is why we feel weve been treated this wav. I know someone who also had Freedom Morteage and thev didn't perform such mistakes with them as they have with us and didn't take but 2 months to complete their packet but it's a year for us because of their neglect and Freedom Mortgage should be held accountable and held to the initial letter we received in XXXX. 
I pray a fair result comes out of this as well as interest rate as we had offered to us in XX/XX/XXXX & payment. Thanks Sincerely XXXX & XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10
Company: JPMORGAN CHASE & CO.
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Chase Card Services XXXX No Chase Credit Card has been authorized in my name by me. No monetary amount is due Chase by me. 

Certified mail delivered XX/XX/XXXX @ XXXX XXXX  to cease telephone calls. 

Phone calls as follows : XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
There has been an initial & extended Fraud alert applied to my Credit report. This is the current status at Transunion, XXXX XXXX XXXX credit bureaus.

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 2022-09-28
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX and I am submitting this complaint about recent disputes sent to the 3 Credit Bureaus about erroneous information on my credit report. Regardless of the multiple written requests, the inaccurate account listed below is still reported on my credit report in violation of federal law. Please remove or update the account completely from my Credit Reports : XXXX XXXX XXXX Balance : {$590.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am dismayed by the capability of Equifax to retain disregard a consumer 's appeal for the alteration of the disputed accounts on my Credit Report. Under the FCRA sections 609 and 611, the Credit Bureaus are obliged to confirm the information and status of the accounts being reported on my Credit Report. But in my case, Equifax has kept reporting the disputed accounts saying that the information they gave is precise, with which I seriously disagree. I am submitting this complaint to you today to request that Equifax run me copies of documents bearing my signature to prove the status of the disputed accounts. If they are unsuccessful to comply with the condition and continue the reporting of the disputed accounts, please realize I will pursue legal action. I need the accounts corrected XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
As a product of a security breach I have fraudulent information reporting on my report. Attached will be a copy of my FTC report and ID

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 2022-06-09
Company: Franklin Collection Service, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company is trying to collect a debt from me that I do not owe. I have written this company twice and they refuse to respond to me or take any action. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRANKLIN COLLECTION SV XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Re : Acct # XXXX To Whom It May Concern : This letter is regarding account # XXXX, which you claim I OWE {$110.00} FOR A COLLECTION. This is a formal notice that your claim is disputed. 
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 
Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 
My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX

Company response to consumer: Closed with explanation