BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-04
Company: SELECT PORTFOLIO SERVICING, INC.
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have Select Portfolio Servicing, inc. as my mortgage company. On XX/XX/XXXX I tried to make a payment online. It didn't go through, there was no notification on my side. I tried 3 different times on Saturday. So on Sunday, XX/XX/XXXX, I tried again so, my payment wouldn't be late or screw up the trial loan modification. The payment on XX/XX/XXXX I have a transaction id number. I do not have a transaction id number for XX/XX/XXXX. I checked my credit union account on XX/XX/XXXX, I found that the mortgage company had taken out 2 payments one on XX/XX/2019 and one on XX/XX/2019. I did get the mortgage company to refund the one payment, but not the extra {$30.00} to cover the payment for propane that I wrote a check for on XX/XX/XXXX. I believe that the mortgage company should pay for the {$30.00} to cover their mistake. I sent 2 different emails to alert the mortgage to this problem. No contact from the mortgage company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In XXXX a XXXX XXXX credit card was fraudulently opened in my name with a HARD INQUIRY on Transunion and the other XXXX agency 's. XXXX XXXX determined it was fraudulent and closed the account. 
We're now in the middle of XXXX and it's still on my report. Sent numerous letters to TRANSUNION and phone calls to be removed it still there

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 2022-09-15
Company: EQUIFAX, 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 XXXX XXXX accounts : XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have 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 that a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04
Company: BARCLAYS BANK DELAWARE
State: NY
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 kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

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 2017-11-02
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
When I opened a personal checking account and two business checking accounts in XXXX XXXX Wells Fargo Bank, NA created three debit card accounts for me when I only wanted one. I was very clear with them that I only wanted one debit card but they created three anyways. Another example of WFB still creating unauthorized accounts for their card holders against their will. I fortunately found out about the two fake accounts when trying to use the ATM Access Code feature where you can request a code to use the ATM if you do n't have your debit card. Three accounts showed up! I did n't know the PINs on two of them and I never authorized their creation. When I got home and checked my wallet and records I only had one debit card so WFB Created two fake debit cards and sent them to who knows where. 

Wells Fargo seems to be continuing their fake account practices.

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 2022-09-15
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have accounts on my credit report that i have filed a police report for gave you the report number nothing was done. gave you identity theft affidavit signed by the deputy, but nothing was done. I told you someone made a fake id, and my information was stolen while i was in jail nothing was done. Next, I'm going to file a lawsuit against you for failure to do proper investigation to see I'm telling truth if it's it not permanently deleted off my report immediately. THE CASE NUMBER is XXXX with the XXXX XXXX XXXX SHERIFFS OFFICE THEIR NUMBER IS XXXX. THE ACCOUNTS ARE ( XXXX ON XXXX CREDIT LIMIT IS {$600.00} ) ( XXXX XXXXXXXX XXXX XXXX OPENED XXXX XXXX CREDIT LIMIT IS {$5000.00} ) ( XXXXXXXX XXXX-OPENED ON XXXX CREDIT LIMIT IS {$500.00} ) ( XXXX-OPENED ON XXXX CREDIT LIMIT IS {$5000.00} ) along with all the inquiries

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 2020-04-10
Company: EQUIFAX, INC.
State: AL
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 submitted a complaint on XX/XX/2020 with CFPB about Equifax. # XXXX The complaint was that I had looked at my credit report online and there were accounts listed on my report that I did not recognize. They also did not have any identifiable information to tell me who and what they were. I submitted screenshots to you of them. There was a company response on here after I submitted my complaint XX/XX/2020 saying they were still investigating. It is now XX/XX/XXXX and the investigation has taken more than 30 days so far and I was not notified of investigation status or results. They also did not/have not fixed the error on the report. I was sent several letters on different dates stating they were unable to locate a credit file with my identification information provided. This seems like stall tactics to me. I faxed my drivers license, social security card, and recent bill to them for identification purposes and still no results. I would like this information removed from my credit file. They have not took the time to properly verify/validate the information before putting on my credit report and have not responded in a reasonable amount of time. If Equifax properly verified/validated this information confirming and proving these are my accounts, they should be able to respond in a timely fashion. They should also be able to send me proof of identifying information such as a contract with my signature showing that I have a contact with these accounts. This information is destroying my credit file. I've download some of the same letters they keep sending me. I could not find them all. I was receiving some multiples on the same day.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
There has been several unauthorized charges on several of my capital one credit cards that have been brought to my attention. Including unauthorized auto pay that keep getting activated without my consent. I have contacted Capital One about issues with my accounts and due to long delays haven't been able to speak with a rep. They sent a {$110.00} auto pay when I cancelled the auto pay back a few months ago. I am requesting closure of all of my accounts with them and a fraud investigation to be opened as some of the fraudulent transactions are almost a year ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05
Company: DISCOVER BANK
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On or around XX/XX/2020, I initiated a dispute with Discover regarding a transaction in the amount of {$3000.00} from XXXX XXXX as a result of receiving a defective product. Essentially, the merchant did not provide me with what I ordered - a defective free product ; specifically, a sectional sofa. Nonetheless, Discover apparently closed the dispute according to my online account, but did not send me any correspondence or consider the information that I mailed to their post office box in lateXX/XX/XXXX - illustrated by the Return Receipt attached. To date, Discover representatives allege that they did not receive the documentation despite the fact that I have the attached return receipt. 

I called on or around XX/XX/2020 to follow up on the dispute as my online account reflected the dispute was closed. I requested to speak with a supervisor and was told one would get back to me within 24-48 hours. To date, I have not received a call back from a supervisor. 

I again called on XX/XX/2020 to check on the status of my dispute. I was told to fax in the supporting documentation which I did. I followed up again on XX/XX/2020, and spoke with a representative ( XXXX ) who communicated that the charge was still in the dispute phase and it would not go back on my account ; however, the charge is now back on my account. XXXX alleged to be a supervisor and assured me that he would monitor my account and the charge would not go back on my account. 

Today, XX/XX/2020, I spoke with XXXX ( XXXX ) who alleged to be a supervisor who communicated that they don't have any of the documentation I submitted. Ultimately, she was ineffective at communicating and did not resolve the matter. When I asked to speak with a supervisor above her, she alleged that none were available and nothing can be done about the transaction in question with no documentation confirming that the merchant promised me a credit. 

Ultimately, with that logic - Discover should not have disputed the transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Upon reviewing my updates, the incorrect information was still found in my reports which Ibelieve has been taken care of due to the written appeals I sent. The last letter sent to XXXX and Transunion was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which statesthat continued reports of the unverified information without any proof provided, within thetime allowed by law, is not authorized. The accounts listed below are still reporting on myCredit Reports and need to be DELETED immediately : 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
Consumer complaint received 2015-09-11
Company: Law Offices Howard Lee Schiff, P.C.
State: MA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I would like to file a formal complaint against the Law Offices of Howard Lee SchiffOn XX/XX/XXXX I received a letter from their office claiming I owe a debt to XXXX XXXX bank in the amount of $ XXXX submitted a debt validation letter XX/XX/XXXX to their office, I had no further communication with them and the debt was never validated, Which violates the FDCPA. After some online searching I have found numerous other complaints about them and their collection methods from many others who have also claimed the same issues on not receiving the validations and along with far worse complaints of threats and illegally collecting fundsOn XX/XX/XXXX I received a summons to Small claims court, still without any validation what so ever that this is in fact a valid debt owed by me, The hearing was scheduled for XX/XX/XXXX in the XXXX Court, I knew was going to be unable to attend the hearing due to needing to provide my elderly mother a ride to and from XXXX so I submitted a request for continuance to the court a few weeks in advance which was n't granted. 

I received the judgement from the court saying I had defaulted, Even though I submitted the request. I then called Howard Lee Schiff and told them the issues I had and that they still never validated that this is in fact my debt so I said this must be treated as a fraud case and that 's when they finally sent me anything resembling any validation at all. 

I received from them were the fraud documents along with a few statements from XXXX at an address I once lived at and in a name that I also share with my Father, Who also was living with me at that same address during the time in question. His passing coincides with the receipt of last payment to XXXX having passed 2 or 3 weeks after the last payment they receivedI filed a motion with the court to have the default judgement removed and it has since been removed and the hearing is being rescheduled. The payment hearing was yesterday and that 's when they allowed the motion to remove the defaultI spoke with the lawyer handling the case for them yesterday at the payment hearing and I said why have I still not received any validation yet that I owe this and her words were " I have 30 days to request the validation, But they are under no time limit to respond to the validation " How can they legally and ethically do this? I am expected to go to court, Not knowing that this is in fact my debt?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-15
Company: Experian Information Solutions Inc.
State: NJ
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 fair credit reporting act XXXX  account # XXXXXXXX XXXX XXXX  # XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602A. States I have the right to privacy. 15 U.S.C 1681 section 604A, Section 2 : Its 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 non-monetary relief
Consumer complaint received 2022-05-06
Company: EQUIFAX, INC.
State: TX
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 Fair Credit Reporting Act the account listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 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 604A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information related to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 Fair Credit Reporting Act the account listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 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 604A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information related to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2015-07-30
Company: Smith Debnam Narron Drake Saintsing & Myers LLP
State: NC
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
This is a follow up to the complaint that I filed on Monday XX/XX/XXXX. It seems that XXXX /Smith XXXX Debnam XXXX Narron XXXX Drake XXXX Saintsing & Myers XXXX LLP. has filed a Judgement against me as a form of spite, retaliation, and retribution as a result of the complaint that I filed with CFPB a few months ago against them for excessive calling on my home phone and cell phones. I feel my rights have been violated ... my Freedom of Speech for one. It seems like when the citizens or consumers speaks out, the business lashes out ...??? Why filed a Judgement against me when XXXX has known that XXXX XXXX XXXX has been communicating with them since XX/XX/XXXX??? 
A few days ago, an XXXX XXXX from Executive Office of Customer Advocacy within XXXX sent me an email stating that XXXX would be investigating my concerns from the previous complaint that I filed on XX/XX/XXXX and would send me a detailed response upon completion of the investigation. This tells me that XXXX is unsure of the actions and business practices it has done in this matter ...??? How often does a business calibrate itself ... when something is out of tolerance ...??? Well, I 'm not going to " tolerant '' the actions of XXXX and XXXX ... 
I have written a letter to the President of the United States of America at the White House. I have explained to him in writing about this situation and included a copy of the Judgement against me by XXXX, filed by XXXX XXXX ... I want the President to know what 's going on in the real world and the business world. I have requested help from anyone in his government on this matter ... I 'm waiting for his reply now. Also, I 'm writing to any state and government official that will hear me on this matter. I want the whole world to know how XXXX and XXXX have treated me over these last several months. 
I 'm requesting that the CFPB, the Federal Trade Commission, the FBI, and members of Congress investigate Discover/ Smith XXXX Debnam XXXX Narron XXXX Drake XXXX Saintsing, & Myers XXXX LLP for their actions and practices. Number 1, I would like to know who authorize the Judgement against me, Number 2, why? 
I should not be bullied, harassed, intimidated, and threatened because I want to get my debts consolidated, paid down, and paid off. I 've had to endure this for almost a year now! I put " All '' my trust in XXXX and HE will fight my battles for me!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
There is a charge that said XXXX then a creditor took it and charging me for debt i do not have.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10
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:
I believe my information has been compromised and obtained illegally and used for purposes which I have just recently realized when my girlfriend checked my credit for me. They show XXXX XXXX  and XXXX XXXX  none of which I recognize.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-11
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
There is a Dismissed Chapter XXXX bankruptcy equifax refuses to remove after 7 years. There is also a judgement they refuse to remove even though the judgement was never served to me and the full name is n't on the judgement. With the judgement they have reporting on my credit report with the amount of the judgement different from the credit report. I 've tried numerous of time dealing with these XXXX issues and equifax refuses to remove the errors.

Company response to consumer: Closed with explanation