BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-28
Company: OPORTUN FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
To whom it may concern : A certified mail debt validation letter was delivered to OPORTUN/PROGESO FINANCE on XX/XX/21 ( see attachments ), mailed copies of my letter to all three bureaus once I knew they delivered. OPORTUN responded in a letter dated XX/XX/21 that they can not verify my information with their accounts. They continue to contact me and send me statements ignoring my concerns. The three bureaus said it was accurate/updated but not one bureau truly investigated my case. I have not seen or received any validation of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: EQUIFAX, INC.
State: PA
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 never agreed paying this company I never applied credit with them this goes against the FDCPA

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-15
Company: Select Resource Group
State: FL
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:
the company that called me left me a voicemail indicating they will freeze my assets and bank accounts and contact my employer to to collect funds from my paycheck.   The company is called " SRG ''. Called and spoke to a gentlement who asked me if I was  XXXX   XXXX  and to said the last for of my social security account. He then went on to indicate this is reference to a  XXXX   XXXX  account. I said that was  discharged  in my bankruptcy and is no longer on my credit report. I advised him this is the second call I received in a month. He said he just received or was outsourced this account info. I tried to give him my lawyers number and he said no never mind I will transfer to our bankruptcy department.     The voicemail left was threatening. I received a prior call in such manor about this  XXXX   XXXX  account which is closed. I contacted  XXXX   XXXX  personally and they said they do not have anyone outsource to collect any money for my account is closed.     Thank you  XXXX  number that they called me from :  XXXX  I will save the voicemail too

Company response to consumer: Untimely response
Consumer complaint received 2017-06-15
Company: WELLS FARGO & COMPANY
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
My mother had been banking with Wells Fargo for years, so naturally she encouraged me to get a bank account/savings with Wells Fargo, which I did. Shortly after I turned XXXX XXXX XXXX on XXXX XXXX, 2008 I went with my mom to the bank where they advised to get a credit card to build my credit. My mom, a first generation immigrant from XXXX with little to no knowledge in finances, was convinced by the banker that this was the right thing to do for my credit. Not long after I fell back on payments since I did not have a stable job at the time and I was making only the minimum payment. At a certain point the card maxed out due to fees and high rates. At that point, Wells Fargo instead of reaching out to me, the credit card department increased my card limit from {$500.00} to {$1100.00} as a solution when the card was maxed out due to fees not overspending. it created additional financial distress for me when the card should have been closed out or they just have tried to reach an agreement with me. I believe that my mother and I were unfairly targeted because of my youth and her financial inexperience. I tried to contact Wells Fargo numerous times to get a resolution to no avail.

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 2017-06-15
Company: Assent Inc.
State: WV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The following companies have accessed my credit report without my request, consent, or permission. They also have no need to do so as I have never requested credit from them and do not have an account with them. I am a victim of cyber stalking and harassment and have restraining orders to prove it if you need them. I would like the following companies investigated and a written statement from them stating WHY they accessed my credit report, who requested it,  IP addresses if  it was done online, and any email, phone numbers used to do so.  <P/>    XXXX   XXXX   XXXX   Date of request ( s )  XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX    XXXX   XXXX   XXXX   XXXX  , IN  XXXX    XXXX   XXXX   XXXX     XXXX   XXXX   Date of request ( s )  XX/XX/XXXX    XXXX   XXXX   XXXX   XXXX   XXXX  , NY  XXXX    XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   Date of request ( s )  XX/XX/XXXX   XX/XX/XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , CA  XXXX    XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   Date of request ( s )  XX/XX/XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , SD  XXXX    XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   Date of request ( s )  XX/XX/XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , CA  XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   Date of request ( s ) XX/XX/XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , CA  XXXX    XXXX   XXXX   XXXX   These companies were not contacted by my and did NOT have my permission or any reason to check my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
I XXXX XXXX XXXX have been targeted through my credit score and credit repair history for the past two weeks. I have seen major decline of my personal credit score with XXXX, XXXX and Transition consumer credit Bureaus. I were not notified of any technical issues all three major bureau 's were facing at the time. I know I haven't fell short of responsibility to pay my dues. There fore I believe that this is an action against my credit history to further paralyze of my financial abilities. 

I need your sincerest attention to obtain a nationwide resolution for the major credit problem concerning individual credit history of that for mine and rest of the American s. 

We don't accept this playing around with our credit history where we are set as an example inferior to others. Where most can afford their livings and we the minority and the poor are facing it though.

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 2022-03-31
Company: Grain Technology, Inc.
State: PA
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:
Reporting a higher balance and utilization wrong since XX/XX/XXXX saying I owe {$1000.00}, however a payment in the amount of {$800.00} was posted on XXXX XXXX and another payment in the amount {$25.00} posted on XX/XX/XXXX with a remaining balance of {$180.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The credit bureaus continue to verify accounts in my credit report that are not accurate. They have ignored multiple requests of proof of verification and continue to report inaccurate information that is hurting my credit report and chances of obtaining future credit. I began disputing with the credit bureaus since XX/XX/XXXX and not once have they provided any proof of verification. 

The following accounts have been verified but maintain discrepancies in reporting : XXXX XXXX XXXX XXXX XXXX The following inquiries were not authorized : XXXX ( XXXX  ) XX/XX/XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX Mortgage Reporters : XXXX XXXX ( TransUnion ) XX/XX/XXXX XXXX XXXX XXXX ( XXXX  ) XX/XX/XXXX XXXX/XXXX  XXXX  XXXX ( XXXX  ) XX/XX/XXXX XXXX  XXXX ( TransUnion ) XX/XX/XXXX XXXX XXXX XXXX  ) XX/XX/XXXX XXXX ( XXXX  ) XX/XX/XXXX XXXX ( TransUnon ) XX/XX/XXXX XXXX ( XXXX  ) XX/XX/XXXX XXXX/XXXX XXXX I ( XXXX  ) XX/XX/XXXX XXXX/XXXX  XXXX XXXX ( XXXX  ) XX/XX/XXXX XXXX ( TransUnion ) XX/XX/XXXX XXXX ( XXXX  ) XX/XX/XXXX XXXX ( XXXX  ) XX/XX/XXXX XXXX ( TransUnion ) XX/XX/XXXX XXXX ( XXXX  ) XX/XX/XXXX XXXX  XXXX XXXX ( XXXX  ) XX/XX/XXXX XXXX  XXXX ( TransUnion ) XX/XX/XXXX XXXX ( XXXX  ) XX/XX/XXXX XXXX/XXXX XXXX XXXX ( XXXX  ) XX/XX/XXXX XXXX  XXXX ( TransUnion ) XX/XX/XXXX XXXX ( XXXX  ) XX/XX/XXXX XXXX XXXX XXXXXXXX ( XXXX  ) XX/XX/XXXX XXXX  XXXX ( TransUnion ) XX/XX/XXXX I have disputed these accounts and the credit bureaus can not furnish proof as requested in my letters that I sent to them via certified mail. I have attached copies of my most recent letters along with the tracking number.

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 2022-03-31
Company: Experian Information Solutions Inc.
State: PA
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 never agreed paying this company I never applied credit with them this goes against the FDCPA

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 2022-09-11
Company: Experian Information Solutions 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: Problem with personal statement of dispute

Complaint:
Due to current dispute that you have closed with the CFPB and alleged that all accounts disputed were verified by legal means, I demand your method of verification pursuant to 15 USC 1681i in all items disputed. According to the FCRA I am entitled to a detailed description of your methods to verify this information. In addition please provide documentation provided from you from original creditor showing consent and informed consent. 

I was not given any information on opting in or out of credit reporting, nor was I supplied with anything that said my personal information with be furnished to a third party of any sort, and since the US banking system relies upon your truthful and unbiased reporting 15 USC 1681a. I require that you act in due diligence to secure my rights as a consumer in this transaction and behave in good faith. According to your policy, you receive all relevant documentation so secure consent and I would also like to see these documents with my wet ink signature. 

Per page 3 of your data sharing policy, you say that consent was given please also provide this documentation showing that I gave my consent for my information to be shared. ( XXXX ) For good Measure : 16 CFR 1028.116b informed consent : Informed consent occurs when there is agreement to an interaction or action rendered with knowledge of relevant facts, such as the risks involved or any available alternatives. Informed consent often comes up in the contexts of legal ethics, medical treatment, and waiver of constitutional rights. 
The elements of this are including but not limited to : decision capacity, documentation of consent, disclosure, and competency.

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 2017-06-15
Company: AMERICAN EXPRESS COMPANY
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
On or about  XXXX   XXXX    XXXX  , I created a complaint #  XXXX  against  AMERICAN EXPRESS  GOLD DELTA SKYMILES. It was a clear case of UDAAP. This complaint is once again against  AMERICAN EXPRESS GOLD DELTA  SKYMILES for the same account ending in  XXXX .   Now i have the eligible transaction at  XXXX  of {$25.00} few days back. But  AMERICAN EXPRESS  GOLD DELTA SKYMILES is stating that they could n't find out any promotion on my account to award me {$100.00}.   Moreover when i chatted with them - they are stating  6-8  weeks for investigation alone and that too they wo n't notify me regarding the result of investigation.   This is ridiculous.  Amex  is finding way to deceive customers and take away the award money. Attaching chat with customer service and the recent activity from that card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-11
Company: Early Warning Services, LLC
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: Public record information inaccurate

Complaint:
XX/XX/2022 XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, New Jersey XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX ATTN : XXXX DISPUTE/CLIENT RESOLUTION SPECIALIST RE : ( XXXX  XXXX Bankruptcy : Bankruptcy Reference Number : XXXX ) According to the FCRA, in order for you to furnish the alleged US BANKRUPTCY COURT referenced above, you would need to be able to both VALIDATE and VERIFY the information with original creditor. The US Bankruptcy Court would be the original creditor to furnish this information and has previously communicated with me, a federally protected consumer through documented mail that they DO NOT furnish any corresponding information to ANY of the CRAs. Including but not limited to the 3 MAJOR credit reporting agencies and the minors such as XXXX XXXX, Early Warning, XXXX, and the likes. US Bankruptcy Court has also assured me that it is not within their policies or obligation to validate any public records. Following my confirmation with US Bankruptcy Court I also confirmed with XXXX that they were not able to validate this alleged bankruptcy in accordance with federal law. 


Having the above mentioned information, XXXX is violating my federally protected consumer rights. In addition to that violation you are also committing fraud since you claim to have verified this bankruptcy but your sources deny that. Should you need a reminder please refer to 15 USC 1681 ( A ) ( E ), 15 USC 1681C ( A ) and 15 USC 1681B ( A ) ( 1 ) ( 2 ). I DID NOT give you neither direct nor indirect permission to furnish my information. I am hereby demanding this entry be permanently removed from my XXXX consumer file and report within 30 days from the day you RECEIVE this letter. Should you choose to be negligent and willfully non-compliant in rectifying my affairs, I will follow up with a complaint to CFPB and initiate monetary arbitration in small claims against XXXX. 

Warm Regards, XXXX XXXX : XXXX Without prejudice, all natural inalienable rights reserved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
Company: VW Credit
State: IL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Unfortunately, at the time of the incident, I had job loss during this COVID19 Pandemic. Aside from this unforeseen and unavoidable circumstance, you will see that I have an excellent payment record.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-15
Company: Stellar Recovery, Inc.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
A door to door salesman for  XXXX   XXXX  came to our door and signed us up for an account. the account did not have as fast internet as promised and we cancelled within 1 week of signing up. We were told over the phone by  XXXX   XXXX  that no money was due and we were free of our obligation. When I viewed by credit report, I see a charge from  XXXX   XXXX  in collections. I called the debt collection company and they gave me the account number to resolve with  XXXX   XXXX . When I call  XXXX   XXXX  with that account number it comes up as a different person 's 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 2022-09-11
Company: LEXISNEXIS
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: Public record information inaccurate

Complaint:
XX/XX/2022 XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, New Jersey XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX ATTN : XXXX DISPUTE/CLIENT RESOLUTION SPECIALIST RE : ( XXXX  XXXX Bankruptcy : Bankruptcy Reference Number : XXXX ) According to the FCRA, in order for you to furnish the alleged US BANKRUPTCY COURT referenced above, you would need to be able to both VALIDATE and VERIFY the information with original creditor. The US Bankruptcy Court would be the original creditor to furnish this information and has previously communicated with me, a federally protected consumer through documented mail that they DO NOT furnish any corresponding information to ANY of the CRAs. Including but not limited to the 3 MAJOR credit reporting agencies and the minors such as Lexis Nexis, XXXX XXXX XXXX, and the likes. US Bankruptcy Court has also assured me that it is not within their policies or obligation to validate any public records. Following my confirmation with US Bankruptcy Court I also confirmed with LexisNexis that they were not able to validate this alleged bankruptcy in accordance with federal law. 


Having the above mentioned information, XXXX is violating my federally protected consumer rights. In addition to that violation you are also committing fraud since you claim to have verified this bankruptcy but your sources deny that. Should you need a reminder please refer to 15 USC 1681 ( A ) ( E ), 15 USC 1681C ( A ) and 15 USC 1681B ( A ) ( 1 ) ( 2 ). I DID NOT give you neither direct nor indirect permission to furnish my information. I am hereby demanding this entry be permanently removed from my XXXX consumer file and report within 30 days from the day you RECEIVE this letter. Should you choose to be negligent and willfully non-compliant in rectifying my affairs, I will follow up with a complaint to CFPB and initiate monetary arbitration in small claims against XXXX. 

Warm Regards, XXXX XXXX : XXXX Without prejudice, all natural inalienable rights reserved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This complaint to Equifax result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed or corrected from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 

XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$380.00} XXXX XXXXXXXX XXXX XXXX Balance : {$430.00} Bankruptcy : XXXX XXXX Reference # : XXXX Asset Amount : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11
Company: Early Warning Services, LLC
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XXXX XXXX, I downloaded this app called XXXX - lve been trying to look for an apartment to move by myself. 
On XX/XX/XXXX, I received an email from this guy name XXXX XXXX, his email is XXXX he seem to be an agent/broker gave me all the information about the apartment and details about rent and Pictures. We went back and forward discussing the amount of rent I would be paying and fees. 

On XX/XX/XXXX, He send me the application for the apartment and the lease form. It looked so real I actually believed everything he was saying and stating. 

Right after, he send does documents I asked if I could view the apartment in person with going more deeply in the process, he said that he couldnt because some was living and that their lease was ending last week of XXXX. And that as soon as the tenant leaves XXXX show me the unit. 
On that same Date, I completed the application, and signed the lease form. 
After he stated I couldnt see the apartment I had a gut feeling that I was being scammed because most agencies let you see the apartment first. But since he was really nice I ignored does red flags. 

The original rent he was asking was XXXX monthly, I asked if they could do XXXX. He told me he was going to ask management if they can approved it, which later on he said they agreed to the rent. 
After we agreed the monthly rent I had to send him a security deposit so i could be the first in line To get the apartment. He told me I could send it through Zelle or wire transaction. 
Zelle Details : Name : XXXX XXXX Email : XXXX After I send the security deposit, that we agreed on, and once received, he told me management didnt approved my application, because the rent was too low so they wanted a one time payment for XXXX so they could approve it, once this happened I knew I was getting scammed. 

So I asked if he could send me the money back, refund that I was no longer interested in the apartment, he kept giving me excuses that I just proceed with the payment. 

I kept declining, at this point i just wanted back my money. The following day he didnt answer my emails. So I texted him to send me back my refund and he just kept giving me excuses like yeah its being processed youll get it asap youll get it Monday and it was all a lie. 

Its XX/XX/2022. Hes not replying to my messages he blocked my phone number and everything.

Company response to consumer: Closed with explanation