BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-09
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
n accordance with the Fair Credit Reporting act XXXX 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 2022-01-10
Company: WELLS FARGO & COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I am a victim of Identity theft. Please delete or remove this item on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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 2018-09-20
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: Account information incorrect

Complaint:
XXXX XXXX is not reporting the date the account became delinquent and after which it was never brought current. XX/XX/XXXX, I made my last payment to XXXX. That payment was for XX/XX/XXXX. I paid XXXX over {$11000.00} dollars and all I was paying was interest. 
XX/XX/XXXX, the account became delinquent and never became current. XXXX is reporting XX/XX/XXXX, as the date became delinquent and never became current.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-21
Company: AES/PHEAA
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: Account status incorrect

Complaint:
Fedloan Serving is also reporting that I had student loan accounts with them in excess of XXXX days past due, many of which are greater than XXXX years old. At no time did I ever had any written correspondence from Fedloan Serving indicating I had past due loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22
Company: Payward Ventures Inc. dba Kraken
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Fraud or scam

Complaint:
Commencing on or about XX/XX/2020, I fell victim to a multilayered recovery scam operation or- XXXX XX/XX/XXXXby a sophisticated con-artist named XXXX XXXX XXXX XXXX the Scammer ), masquerading as an XXXX  ( XX/XX/XXXXCoXXXX XXXX XXXX agent, who could help me to recover losses I had from fraudulent companies, with the sole purpose of robbing and defrauding innocent people. 

Money was transferred from my account via bank wire in the total amount of XXXX EUR utilizing their services. 

A self-called Mr XXXX XXXX XXXX person just called me in early XXXX offering to help me recover the money transferred to XXXX. He introduced himself as a friend of another person who contacted me before offering trading services and said that was a partner of XXXX - XXXX XXXX XXXX, a regulator in the XXXX and/or XXXX - XXXX XXXX XXXX, also a regulator at the XX/XX/XXXX XXXX. 
He said that was very experienced in recovering money deposited in non-regulated financial companies. 

After pushing me several times me to deposit money, I transferred XXXX EUR. He instructed me directly to open an account with their organization. We kept normal exchange of views until he called asking me to answer to a person called Mr. XXXX XXXX. And that indeed happened. 

To my surprise some week later I was again contacted by another person called XXXX XXXX talking, as he said, on behalf of Mr XXXX and asking additional XXXX EUR. The explanation was the same : he had the money ( XXXX EUR ) with him and to transfer it to my account he needed first to charge his fees XXXX XXXX EUR XXXX. 

As I called Mr XXXX, he said simply to comply with the demand. I did not and instead, start to doubt the seriousness of the proposals. Therefore, I sent a message to Mr XXXX asking him to honour his words, which had been complied with by me and did not have provisions for further transfers. 

I also contacted XX/XX/XXXX( XXXX regulator ) by phone and email asking whether they knew Mr XXXX XXXX. Actually, they said there is someone with that name but it is not allowed to do the recovering job. XXXX quite probably the name was hijacked ). You can search his name on the site of XXXX and or XXXX XXXX both XXXX XXXX. They also told me to file a complaint at the police and at the site Action Fraud. I realized that it was all a scam. 

I deposited various amounts of money to Mr XXXX and his co-conspirators. I am a senior citizen and I am seriously worried when I found this was a scam and I have lost my hard-earned monies to this scammer,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: A.R.M. Solutions, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2022, I received a phone call from A.R.M. Solutions, INC ( she identified herself as XXXX XXXX, asking to pay for a debt ( of {$16.00} for a XXXX XXXX subscription ) that I do now owe. I also received a written note that says the same thing on the same day. She asked me how I do not owe the debt rather than describing what the debt is, such as which month 's subscription and when the last payment was made. I believe the call is a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 XXXX XXXX XXXX XXXX are glad to hear XXXX XXXX festing up about the scam conducted against me by XXXX XXXX his family and supporters are truly a nightmare over a decade of major frauds and he slipping through the system. Your letter dated XX/XX/XXXX are a sign that this will soon be resolved but let it be known and factually clear that you employer XXXX came across to me as very honest person and she said that YES THIS IS YOUR LOAN BUT THERE IS ANOTHER NAME HERE XXXX XXXX. You can always play it for the CFPB to hear that I am giving all facts no lies. 

A huge problem is they were able to steal my claims including the XXXX as I am the guy from XXXX XXXX XXXX with the trust account and appears my resolution with XXXX XXXX  got stolen from me. Unfortunately the amanzes have went to everyone judges, police and brokers saying he conducted this loan with wells fargo without years and years not clearing this up and i suffered from. Then XX/XX/XXXX upon my leaving out the very next day i came back to finish moving and he and XXXX XXXX refused to let me in to get my other items. I had a brand new washer, dryer, microwave, stove and refrigerator and were locked out by them and i walked away from this denying me that they did. 

Then in XX/XX/XXXX he started an action in court an PPO saying I were threatening he and his family. I SWEAR TO GOD THAT WHEN HE STARTED THESE LIES THAT I WERE THREATENING HIM I HAD NOT SEEN HIS FACE SINCE XX/XX/XXXX UNTIL AT THE PPO HEARING SINCE HE HAD MOVED IN MY HOUSE IN XX/XX/XXXX AND JUST SEEMS UNREAL HE COULD HAVE DONE THIS. 

PLEASE NOTIFY THE XXXX POLICE WHOM HE CONSTANTLY TOLD THEM THAT HE BOUGHT THE HOUSE FROM XXXX XXXX FOR XXXX, A LIE. 

THE FEMALE DETECTIVE THE FIRST TO HAVE THE INVESTIGATION CASE TOLD ME, IT IS HIS HOUSE AND HE BOUGHT IT FROM XXXX XXXX FOR 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 2017-10-21
Company: NRA Group, LLC
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:
I discovered this company had illegally reinserted a medical bill from XXXX XXXX on my credit file. You are required to notify me within XXXX days of inserting a previously deleted item. I did not receive such notification.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23
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:
ID theft victim Another account on my report XXXX XXXX XXXX XXXX XXXX XXXX {$850.00} This is not my account/Fraud i have added my Id theft reporrt as well

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
At the beginning of XXXX of this year, I notice on my credit reports XXXX XXXX reportes my mortgage balance as {$110000.00} which is incorrect. I did a modification on my loan on 2010 XXXX XXXX had my loan and XXXX XXXX was the servicer of my loan. During the modification process I was told, XXXX of my loan was going to be discharge and I was no longer responsible for this amount. I was under the impression all of these year that the balance of my loan was XXXX. I have contacted XXXX XXXX Customer Service ( Mortgage Department ) and they haven't given me a correct information on this issue. I did request a copy of my loan modification and the paperwork doesn't have my initials nor my wife 's initials ( I am now XXXX ) when they say, the XXXX was supposed to be deferred at the end of the loan. The paperwork that they sent me wasn't signed by me nor my wife at the time. I need for the Consumer Financial Protection Bureau to open an investigation about this issue, and provide me with the proof I need since so far, they haven't been able to do it. The 3 credit bureaus haven't been able to provide me with paperwork regarding this issue. I need to know where is a copy of my loan modification paperwork with my initials on each page.

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 2017-10-21
Company: United Check Recovery, LLC
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Call. Did not know who called so I XXXX the number, XXXX. Results state a debt collector, XXXX XXXX. We do not owe anyone? Why call us?

Company response to consumer: Untimely response
Consumer complaint received 2017-10-21
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
XXXX XXXX XXXX is reporting multiple accounts as 120 days past due, all having a XXXX balance, and all in excess of XXXX XXXX XXXX. At no time, have I ever had any written correspondence from XXXX XXXX XXXX indicating I had past due loans. I did not even know I had loans with 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 2021-07-22
Company: Experian Information Solutions Inc.
State: NJ
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: Investigation took more than 30 days

Complaint:
I was the co-signer on a loan student loan for my sister with XXXX XXXX and they didnt pull my sisters payment in time and made it late when she submitted it on time and it has negatively effected my credit for years. The payment was made on time and pending on their end. They counted it as a missed payment. It shows as a major missed payment and they will not take it off. It was one occurrence and they were quick to throw it on my credit score as a co signer instead of resolve the issue. They would not even release me from the loan until she made 12 months of payments on time after that occurrence.

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 2022-05-03
Company: Bliksum, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I had taken a personal loan out from LoanMe back in XXXX to cover some bills. The maturity date on the loan if not prepaid was XX/XX/XXXX. I made my last payment on XX/XX/XXXX. I then called them to verify that I was done with the loan and was told that was the last payment. 

On XX/XX/XXXX, I logged into my bank account and noticed a payment pending for {$350.00}. I contacted them and was told the extra payments were added on because of an insufficient funds payment from XX/XX/XXXX. I called my bank to verify that info and they researched my statements and the transaction history for the merchant and was told by my bank that there are no insufficient funds for that merchant showing in the XXXX  XXXX XXXX transaction history.

I have the agreement that was executed and the payment settlement sheet that clearly show a loan maturity date of XX/XX/XXXX which I paid. I called them again to try and resolve this and got a completely different story.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Bank of America is using fraudulent information in regards to a previous account that I owned that was defrauded. For which I filed a claim, which was rejected. Therefore I was held responsible and made to pay back money I had n't gotten in any way, shape, or form. I filed a police report to no avail. I requested evidence of the claim by bank of america, they declined by saying the evidence is proprietary information. I requested bank footage to substantiate the claims by bank of america, they refused on the grounds that they require a court order, So while not admonishing any facts related to the false information bank of america is disseminating misleading, false, and libelous information to a third party reporting agency preventing me from opening a bank account at any institution. I demand this blatant abuse be stopped or I 'll be contacting legal counsel.

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 2021-07-14
Company: Westlake Services, LLC
State: VA
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 had a auto loan thru Westlake financial that resulted in a repossession. They then got a judgement and garnished my paycheck for the remaining balance. After completing the garnishment and informing that is was complete they updated the credit listing to show a remaining balance of XXXX  dollars. I have spent 4 months contacting them trying to get this corrected to XXXX  as it is still reporting as past due. I have not been given a opportunity to pay XXXX  dollars or any way to remove the remaining balance from my credit report. I have disputed the balance multiple times with credit reporting agencys and they keep verifying it as accurate. I just want the balance adjusted to XXXX  and the account has been paid off.

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 2022-01-10
Company: NRA Group, LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had an account with XXXX XXXX XXXX from XX/XX/XXXX until XX/XX/XXXX when I cancelled my service and moved from that apartment, but they turned it back on, I'm guessing for the new renter but they kept it in my name and the people renting the unit never had it corrected.This was sent to collection company, XXXX XXXX XXXXXXXX XXXX This was the first I had heard about it and asked them to send me the paperwork because I knew I had cancelled and paid my final bill.Which they did and it clearly shows that it was cancelled and they stopped collection efforts and deleted it from my credit report in XX/XX/XXXX. Then I pulled my credit report in XX/XX/XXXX and the account had been sold of to National Recovery. I went directly to this collection agency and asked for the proof, they ignored me. I wrote to the bureaus where they also ignored me. I went back to the new collection agency, National Recovery, and sent them the paperwork that I had been provided by XXXX XXXX XXXXXXXX, showing proof that I had paid it. I have yet to hear back from them so I sent XXXX XXXX a letter directly asking them to please pull the account from the collection agency because this was their fault. I did not receive a response so I called them directly they claim they have never heard from me and would not look into the account.

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 2021-07-14
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
During COVID19 I lost my job of 30 years and was paying my bills the best I could and in XXXX and XXXX of 2020 I had those 2 months that I was having trouble making my payments however they did get paid within 1 to 2 days after the 30 days of being late but I tried to make the payments before it got over the 30 days late but wasnt able to do so. I called and ask them to please take those off my credit report because I could not help I lost my job.

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 2017-10-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
My Bank over charge me twice for Overdraft fee which is not right.

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 2022-05-03
Company: EQUIFAX, INC.
State: WA
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:
To Whom it may concern, RE : XXXX DCU Pursuant to 15 U.S. Code 1681a ( 2 ) ( B ) " the term consumer report does not include '' any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; '' by furnishing the below account on my consumer report you are in violation of the law. remove the Account from my consumer report : XXXX DCU Failure to respond satisfactorily with deletion of the all Late Payments, will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character 2. Negligent Non Compliance 3. Civil Liability 4. Mental Anguish 5. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. 

I demand that these accounts be deleted immediately or I will file litigation.

Company response to consumer: Closed with explanation