BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-26
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
in accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03
Company: Experian Information Solutions Inc.
State: NJ
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 HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT ON MY FILE. THIS NEGATIVE ACCOUNT HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNT. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY ME.

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 2020-08-03
Company: Experian Information Solutions Inc.
State: IN
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:
This is probably my fourth or fifth time filing this complaint against Experian. They have never failed to respond to my complaint in a timely fashion. But at the same time they never addressed my complaint. In effect what they have done is if you were to ask me what does 2+2 equal  and I answer see the cow jumped over the moon I responded to your question but I certainly didnt answer it. That is exactly what Experian has done for five times. Now for the nature of my complaint. My information had been hacked so I had a lock on my credit. I lost the password so Experian told me it would cost XXXX bucks to get the information to unlock it so I went head with that. They proceeded to charge my credit card about {$43.00} and instead of sending me the information to unlock my account they sent me a credit report. So the next day I called them back and they demanded another {$20.00} for what I have already paid for in the first place. They told me no {$20.00} not unlocking my account. So I now paid {$63.00} about for a {$20.00} bill and had nothing to show for it. This time the information I requested came. That was when the real trouble began. I spent maybe 100 hours on the phone and was threatened by Experian in an attempt to get my money back. When I told them I would dispute the charge with the credit card company is when they threaten me with them taking no action and no longer attempting to work with me to get my money back. So my question is why did they make me go through multiple phone calls and many many hours on the phone to get my {$40.00} back. I have never answered this in the past and I dont suspect they will now but I will keep doing this

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 2022-04-21
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:
I sent a certified letter to XXXX XXXX XXXX Account # XXXX on XX/XX/2022, " demanding the company provide me with a CERTIFIED copy of an authenticated original contract with my signature, Specifically XXXX XXXX XXXX XXXX XXXX an entity entitled to enforce a commercial claim You do not conduct commerce against me. '' ( I have attached a copy of the letter ). Use of name, birthdate and social security is not validity. XXXX XXXX XXXX did not provide the requested information and did not remove this account off 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 2015-05-31
Company: Seterus, Inc.
State: LA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Dear Sir/Madam, Since Seterus, Inc took over my loan from XXXX XXXX XXXX in XXXX 2013, I have been experiencing multiple problems. I was told that some payments were missing. I sent proof in the form of cancel checks and bank statements. It seems that Seterus, Inc will always come up with something new after submitting proof of evidence. This has been going on for about two years. 
Therefore I asked XXXX for help.We spoke to a Vice President by the name of XXXX XXXX XXXX who mentioned that my XXXX 2013 payment was missing and that I should send proof to the Michigan office and all will be settled. 
A XXXX XXXX asked me to send copies of XXXX check and bank statement which I did. 
Recently, a XXXX. XXXX wrote me advising me that my loan was delinquent and all payments were applied to the loan without explaining to me how and when the delinquent took place. 
For about two years now, XXXX person will say XXXX thing and another person says something different. 
This has caused my credit to be poor. 
I need some help and thanks in advance. 
Sincerely, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-12
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I did not authorize the following hard credit inquiries that appear on my credit reports and would like them removed : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
An account on my credit file is not of my own doing. Unbeknownst to me XXXX XXXX placed me onto her credit cad with XXXX XXXX as an authorized user in which she opened XXXX XXXX, 2016 with a credit line of {$3000.00}. I contacted XXXX XXXX and had myself removed and advised I need this information removed from my credit file and was advised it would not be reported if I wee removed immediately. I explained to them I never asked for this and was not aware of this. I also contacted Equifax, XXXX and XXXX and was advised to contact the creditor. I am being told by the credit bureau to contact the creditor while the creditor says contact the credit bureaus. I want this removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-18
Company: Conn's, Inc.
State: CO
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I bought furniture through Conn 's and financed it through their company for a period of 31 months @ {$230.00} dollars a month. Conn 's has arbitrarily elected to change the terms of our contract without my consent and increase the term of payments by 4 months. Conns is attempting to make me pay {$940.00} dollars over and above the {$7300.00} dollars I contracted to pay. This is a breach of contract and illegal, with them threatening to ruin my credit if I do n't pay. I have asked for proof of the approved extension and they admitted they had none, during a call I had with their representative on Saturday XXXX XXXX @ XXXX XXXX. I am asking that CFPB take action to protect this consumer from predatory and illegal lending practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX maintenance maliciously placed a {$5200.00} amount on my personal credit report with TransUnion. They have NO supporting documents or any evidence or me owing the debt.

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 2015-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I do not owe any GA state tax liens, this is inaccurate information listed please help

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03
Company: Financial Data Systems
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I attempted to pay XXXX XXXX XXXX XXXX XXXX the full amount that I owed from an emergency room visit on XX/XX/XXXX, and made monthly payments of XXXX dollars, for 7 months. I received a call in XX/XX/XXXX from a company called Financial Data Systems, telling me that I owed XXXX XXXX XXXX, a company that I never heard of nor authorized service from, a large amount of money, and that that amount was now in the possession of their debt collection agency ( Financial Data Systems ) .I never received an email, letter, or call from XXXX XXXX XXXX telling me what, how much, or why I owed any money, and still do not understand the charge, prior to it being transferred to collections. I also never received or signed any form at XXXX XXXX XXXX XXXX XXXX on or after XX/XX/XXXX authorizing a bill from XXXX XXXX XXXX. The charge from XXXX XXXX is now negatively impacting my credit score as it is in collections, when I never knew about nor authorized the charge. I have had another poor billing situation with XXXX XXXX XXXX XXXX XXXX in XXXX, telling me that I needed to come in for a XXXX XXXX XXXXXXXX in XXXX, and was told by the patient representative at my appointment that my insurance would cover the cost of my visit. To my dismay, the XXXX visit was not at all covered by my insurance and I was not offered any kind of financial assistance or explanation from XXXX XXXX XXXX XXXX XXXX XXXX, and my debt was sent to a company called XXXX, despite trying to resolve my complaint with XXXX XXXX XXXX XXXX XXXX. This hospital system makes erroneous charges and misrepresents when, what, and from whom they are billing for services.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-08
Company: Commonwealth Financial Systems, Inc.
State: FL
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:
There are 2 collections reporting on XXXX with Commonwealth one in the amount of XXXX the other XXXX and I have been disputing this for some time now. Every time I try to get validation of the debt they show a new open date. Now it 's showing the two things just opened. I have not been to the hospital in over 4 or 5 years and this continuously reports a new open date. 

I have never received anything from a doctor 's office indicating I owed anything

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-08
Company: Bayview Solutions LLC
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:
On XXXX/XXXX/XXXX a company by the name of " Bayview Solution LLC '' pulled my credit report without my  authorization. I have a hard inquiry on my report and they illegally obtained my credit file by stating that the purpose of their inquiry was " installment loan inquiry ''. I contacted the credit bureaus and Bayview Solutions LLC directly to place a complaint and ask them to remove this fraudulent inquiry from my report. They did not help and Bayview Solutions LLC customer service agent cursed at me and hung up the phone on me. They will not say why I have a hard inquiry on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: The CMI Group, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I spoke to XXXX today ( XX/XX/2022 ) explaining that I do not have a debt with XXXX. I cancelled service and returned the cable box equipment to the nearest office. From that initial point of cancellation, whatever balance I owed was satisfied. There hasn't been any notification thereafter about any remaining amount due. I don't owe anything more. Please remove my name and the connection of this collection error from the data base.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-30
Company: Financial Business and Consumer Solutions.
State: MI
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I never received correspondence from XXXX XXXX after the repossession of the vehicle on how to get the car back before it was sold at an auction. I was never given proper chance to get the vehicle back in my possession. It took over two months to retrieve my belongings that were in the vehicle. 

I then later start receiving calls about the balance of vehicle, which were different amounts. Then I receive correspondence from FBCS , Inc sent a letter stating a {$5300.00} was owed on the vehicle, but is XXXX XXXX reporting to CB that  over $ 8k is still owed on account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-17
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I have a judgment on my credit report that was not file properly after I paid off the judgment. The proper actions were not taken after I paid off the judgment. Even though my land lord gave a written statement that the judgment was paid. Please look into Equifax procedure of removing satisfied judgments

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: DISCOVER BANK
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The fraudulent information listed below is showing on my credit file but is not mine. Please remove the fraudulent information immediately from my file. 

Address : XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Account : DISCOVERBAN XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-03
Company: CAVALRY INVESTMENTS, LLC
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I have been trying to resolve an outstanding debt so that I can get it removed from my credit report and hired an attorney to negotiate the debt for me and they said " We've been informed by the creditor that the file is now closed and non-collectable. They're not taking any offers on the debt. It could be that it just aged to the point that they can no longer do anything with it legally. You may try to dispute the debt with the credit bureau that it appears on. If it's old enough it should " fall off '' the report. '' - My Attorney XXXX XXXX XXXX Nothing has " fallen off '' my credit report and I want it removed from the 3 credit agencies so that I can rebuild my credit. The law firm " XXXX and XXXX '' last represented the debt for Calvary Portfolio Services '' and that is who told the attorney that it is closed and non- collectible.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28
Company: Diversified Adjustment Service, Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a copy of my credit report in XX/XX/XXXX of this year and I noticed an account was placed in collections and I sent a letter to the collections agency asking for debt validation and I never received a response I again sent another letter in XX/XX/XXXX and Ive mad numerous calls with no success. This is not my debt and I am being ignored

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This complaint to TransUnion was the result of their non-compliance to my request and for their refusal of getting the accounts, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against theFederal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned accounts for they were found erroneous and unauthorized. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$130.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$3000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX XXXX XXXX # XXXX ( XXXX XXXX XXXX XXXX  ) has violated my rights : 15 U.S.C 1681 section 602 A states I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1692 b ( 2 ) not state that such consumer owes any debt.

15 U.S.C 1692 c ( A ) without the prior consent of the consumer giving directly to the debt collection agency may not communicate with a consumer in collection of any debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I assure that I have not shared my financial information or authorized anyone else but myself to use my debt card/access financial information, the debit card is in my possession as well. 
Scenario : XX/XX/XXXX ATM was charged for a purchase at XXXX LA for the amount of {$140.00}, this was declined from my bank and detected as a fraud alert. To add this was the second time it happened for a amount of {$300.00}, at first, since the transaction got declined, I didnt think much about it and guessed as a system error, until this incident happened. 
XX/XX/XXXX ATM was charged for a purchase at XXXX XXXX, CA for the amount of {$210.00}, which got approved by my banking without any XXXX authentication/fraud alert. 
Actions - Contacted bank to replace my debit card, also filed a fraud claim which will take 10 days investigation. 
- I called XXXX hoping to cancel the order, associate informed that the order was already picked up XXXX minutes passed. He informed the order was done online and it was a big order of XXXX pizzas mentioned. 
- Filed Police Report next day XX/XX/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 monetary relief
Consumer complaint received 2016-09-13
Company: WELLS FARGO & COMPANY
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
The bank charges a {$3.00} fee to transfer funds electronically within 2 business days for customers with an every day checking account. The Bank does not identify the fee in its product documentation nor does it allow the user to adjust the '2 business day window ' when scheduling the transfer. In essence, this is a hidden fee to the user.

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 2022-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Transunion has continuously violated my federally protected consumer rights. Your company is violating me as the consumer by furnishing inaccurate, unfairness, and privacy information on my consumer report without my written permissible purpose pursuant to 15 USC 1681b ( a ) ( 2 ). I am a victim of identity theft from the XXXX  data breach, your company is furnishing and reporting FRAUDULENT accounts on my consumer reports. Do NOT " reinvestigate '' these accounts with eOSCAR, as you've failed to do so properly the past several months. I'm demanding you to block the information reporting no later than 4 business days pursuant to 15 USC 1681c-2 ( a ). 

" A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. '' 15 USC 1681c-2 ( a ) - 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 non-monetary relief