BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-07
Company: CORELOGIC INC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/XXXX I sent written correspondence via Certified U.S. mail to Credco requesting that they delete 1 inquiry on my credit reports dated XX/XX/XXXX considering that I did not authorize anyone employed at CredoCo to make any inquiries, or view my credit report. This is a blatant violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights, as I did not personally submit an application to Credco bearing my signature. Please delete this 1 inquiry from 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 2022-06-29
Company: Experian Information Solutions Inc.
State: MS
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  Account XXXX XXXX  # XXXX and 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2022-07-28
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: Credit inquiries on your report that you don't recognize

Complaint:
The inquiries and information listed in my report were inaccurate. I requested that they investigate it and analyze my files by sending letters to all three credit bureaus. The reality that this information continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inaccurate information and inquiries listed below as a result. 
PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, TX XXXX EMPLOYER : XXXX  Date Updated : XX/XX/XXXXXXXX XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX Date Updated : XX/XX/XXXX INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: NRA Group, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/2022, a Dispute letter was sent out to XXXX XXXX which is being furnished on my Consumer report. The address to send correspondence to XXXX as reflected on my Consumer report is XXXX XXXX XXXX XXXX, MN XXXX. My dispute was sent to this address in an attempt to have this account investigated and all reporting to cease and desist until it could be investigated, however, the mail sent to XXXX was returned " not deliverable as addressed ''. The credit reporting remains and I have disputed with credit agencies and they have verified as accurate, however the debt infact is not accurate and is the result of Fraud. Law provided that all information is furnished on my consumer report must be 100 % accurate and I, in fact, would like this debt verified and a contract to be provided that bears all party 's signatures. which has not been provided to me. 
I found a secondary address and sent a letter to XXXX in XXXX Texas in which they received my dispute and signed for it. However no response was ever received providing me with complete debt validation regarding this dispute.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: WELLS FARGO & COMPANY
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Hi I purchased a new car from XXXX loan application with Wells Fargo. Everything was fine XXXX Covid-19 comes around Started getting a lot of phone calls from my bank saying you have to make a payment or agreement to a payment plan. This went on for a couple of months ( while still paying my car note on time on the XXXX th of every month. I was able to get a hold of someone and all said the same thing you have not payed youre car note ever since you got the loan in XX/XX/XXXX its now XX/XX/XXXX. I showed them drafts of my bank with payments of the amount every month to weeks Fargo they said its has to be another account you gave that you are paying for we need our car back now!! They send people to knock on my door to get vehicle they would call and HARASS ME AND MY FAMILY AT HOME AND ON THE PHONE. 
Finally XXXX day they just took my car and thats the end of it they wanted the whole loan in full or they where selling my car. I told them sorry I dont have {$36000.00} To pay for car they said well made you should not have been buying a car. I was like wire is this how you do business they said yes and we will bill you for the abbot you owe. Its been XXXX  years since then and no bill no amount do. I still want my car or my money back with my down payment that I paid. I am out money and no car with a big headache and worried about a big bill coming in the mail that I have to pay that was not my fault. Please help thanks its wells Fargo fault.

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 2022-07-28
Company: Ocwen Financial Corporation
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My wife and I bought a home in XXXX. In XXXX, our mortgage was sold to another mortgage company. They informed us that we did not have enough money in our escrow to cover a one-time payment of our county taxes the following year, so we were told we had the option of upping our monthly bill or seeding the account with more money to cover the difference. In XX/XX/XXXX when our county tax bill came due, the mortgage company submitted a semiannual payment instead of an annual payment. Because of this, we stood to lose a small discount on our county tax bill. More at issue was that the mortgage company 's words from XXXX and their actions in XXXX did not match, which was frustrating. We contacted their customer service desk XXXX and were given the run-around with no clear resolution. We sent their accounting department an e-mail stating that we would submit a complaint to the CFPB if they did not pay the rest of the bill -- we have not received a response yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Ive noticed unauthorized inquiries on my Experian report and provided this information over to the reps, and managers at Experian over the phone. I mentioned to them how I was aware that according to the FCRA, legally these unverified & unauthorized items MUST be removed but instead they said they DO NOT and WILL NOT remove any inquiries and gave no reason as to why. The other two bureaus investigated and removed the unauthorized inquiries yet Experian still refuses to do anything about this. I am in the process of applying for home loans and would like these inaccurate items to be taken off my report because it is lowering my score and credit worthiness. 
List your inquiries desired to be deleted : 1. It is a reason of identity theft. XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
2. It is a reason of identity theft. XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
3. It is a reason of identity theft. XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. It is a reason of identity theft. 
XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
5. It is a reason of identity theft. XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
6. It is a reason of identity theft. XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. It is a reason of identity theft. 
Account Number : XXXX Please remove it from my credit report. 
8. It is a reason of identity theft. 
XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 
Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt.

Also, please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-01
Company: Credit Service Company, INC
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XXXX my debt was sold from the XXXX XXXX courts to credit service company. Credit service company tacked on money that I received a notice that I did not need to pay when I received a refund from the XXXX XXXX courts. The XXXX XXXX courts paid me a refund for overpaying credit service company and told me that I no longer owe money. Credit service company has tacked on XXXX extra dollars and I have told them to stop billing me and the XXXX XXXX courts have told them to stop billing me. They insist on billing me they told me they were going to stop billing me but they continue to XXXX me by XXXX debit. I told them to stop and they keep billing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: WELLS FARGO & COMPANY
State: AK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
Wells Fargo Bank NA issued a credit card to me when I did not apply for same, in XX/XX/2022. It appears to be associated with their Visa Rewards program. I've attached a copy of the transmittal. I have notified their card division that I wish to cancel the services associated.

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 2021-11-25
Company: Foris DAX, Inc.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
I applied for the " XXXX '' XXXX XXXX And completed all requirements and then I was supposed to be sent the card to use. NO CARD! There is no way to contact them. Everything is verified and completed and still no card. Please explain to me why I can not get access to a card attached my my account?? Thank you- XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: Early Warning Services, LLC
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was selling a furniture set on XXXX marketplace with a pricetag of {$700.00}. A XXXX user displayed interest in the product and messaged me. On XX/XX/2022, he asked for my Zelle contact information to supposedly pay me- phone number and email, which i gave to him. He stated that he had already deducted {$700.00} from his account and sent me screenshots of this alleged payment. However, zelle only allows for a transfer of up to {$500.00} and i was fooled into thinking that if i would deposit what came out to be an extra {$400.00} ( through XXXX separate transactions and XXXX different emails, all linked to the same scammer ), my Zelle account would be upgraded and i would be able to receive the pending funds of {$700.00} as well as get my deposit of {$400.00} refunded. 
This did NOT occur, and i never got my money back. I realized that the man had scammed me, but there is no way to receive my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: CCS Financial Services, Inc.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE Law to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a Federal Criminal Violation punishable under 18 U.S.C 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company, without my authorization, used my personal identifying information to apply for goods, services or money, and was successful in creating some accounts. All is being investigated by the FTC

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify 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 2023-09-01
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I see on my credit report some unknown accounts, I do not recognise nor have i opened or used these accounts, therefore I request to remove the fraudulent accounts from my report, I am currently pursuing all legal avenues in order to get this resolved as a matter of urgency, kindly remove these fraudulent inquiries and derogatory reports from my account. 

XX/XX/2013 a balance of {$3700.00}. 
I am a victim of identity theft and I never opened this account. 

balance of {$720.00}. 
I am a victim of identity theft and this debt is not mine.

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 2023-11-16
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Company has stated that I re opened a loan in XXXX when I did not. Also they keep reporting different amounts and payment dates over time for the last 5 years. I have requested documentation and proof and then they re-hit my credit with more negative notes and different payment information. I show several different balances since XXXX when I originally began to try to fix my credit. I offered to see what repayment options I had to help pay the debt originally though the loan was a third party or straw purchase loan for someone else. The loans were for an ex I had for several years but she had limited income and could not get approved. I attempted to call and was always threatened with being sued, once I lost my job and we separated I wrote the loan off as something I would attempt to resolve should they ever allow me to and provide an accurate amount owed. The biggest issue is that the company never provided accurate information and the time lapse for the loan to fall off of my reports has passed. But instead of taking it off my reports they continue to change, alter, miss represent, fictitiously claim I made payments, and other malicious acts to continue to keep the infractions on my reports so they can continue to harm my credit. It is not ethically right and should be or possibly even could be illegal. Please help me resolve this issue so I can continue on with my life, they have written the loan off for a profit loss years ago and it does not harm them at all any longer, has not in over 8 years. Attached I have added several random different credit reports I can pull from different apps and statement stuff I have available from XXXX to XXXX, you can see major reporting differences and even were one recent shows my balance at {$160.00} and one recent shows I made several payments in XXXX, XXXX, XXXX and even XXXX? From my understanding the credit agencies all should benefit in my favor over this with the proof that I am sending. This account should be deleted in full and taken off of my reports. It is not fair at all that I continue to suffer and have major issues because this false reporting and lying that has been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Barclays bank decreased the credit limit on my Jetblue plus card by {$6100.00} and made my utilization go near 100 %. I have made all payments on time and never had an issue with this bank until now. This has caused my credit score to tank and I have been a reliable customer with this card for over XXXX  years. I complained to the XXXX  in which they left an office phone number to call and promised a response in XXXX hours, yet they never returned my calls and clearly are pulling some sort of scheme. It is impossible to reach them or receive a resolution to any issues.They are clearly trying to get my card to go over the limit now that I have hardly any available credit left so that they can charge me extra fees.

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 2023-10-16
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am writing to file a formal complaint against Equifax for their failure to respond to my dispute within the legally mandated 30-day timeframe, as required by the Fair Credit Reporting Act ( FCRA ). This failure to adhere to the law has had a detrimental impact on my credit report and my rights as a consumer. To provide a comprehensive account of this issue, I would like to highlight the following key points : 1. Dispute Submission Date : I submitted a dispute letter to Equifax via fax to their number XXXX on Wednesday, XXXX XXXX XXXX. This dispute was sent with the expectation that Equifax would respond within 30 days, as mandated by the FCRA. Thus, I anticipated receiving a response from Equifax on or before XXXX XXXX XXXX. 2. Lack of Response : Regrettably, I have not received any communication or investigation results from Equifax concerning the dispute I submitted. It is important to note that this timeline exceeds the 30-day window established by law. 3. Specific Dispute Resolution Requests : In my original dispute letter to Equifax, I clearly requested the removal of two items from my credit report. These are outlined as follows : a. XXXX XXXX XXXX XXXX ( Account Number : XXXX ) : I am formally requesting the permanent removal of the XXXX XXXX XXXX XXXX account, identified by account number XXXX, from my credit report. b. XXXX XXXX XXXXy ( Reference Number : XXXX ) : Furthermore, I am requesting the permanent deletion of the public record associated with reference number XXXX from my credit report. To substantiate my complaint, I have included a copy of the original dispute letter that was sent to Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-01
Company: Atlanticus Services Corporation
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2022, a Request for Accounting & an Official dispute was sent out to Fortiva Credit Card XXXX XXXXXXXX XXXX XXXX XXXX holding Certified mail # XXXX. Fortiva Credit Card received the request and dispute, however Fortiva failed to respond in accordance with laws and failed to provide debt validation as requested within the letter sent and received by FORTIVA. The account is being reported to the consumer reporting agencies and I have concerns regarding the account being associated with Fraud. Law requires that an account be 100 % accurate and that FORTIVA provide complete validation including a CONTRACT signed by all parties which FORTIVA has failed to provide to me. The account is fraudulent and is being reported to my consumer report in error and FORTIVA has failed to cease and desist their reporting of the account from all agencies as requested in my correspondence sent to them and received and they have failed to validate. Furthermore, FORTIVA received by dispute but failed to mark my consumer report as disputed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28
Company: ENOVA INTERNATIONAL, INC.
State: OK
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
I was contacted by CashNetUSA claiming that I received a loan from them. They stated this was an online loan that they sent to a bank account not linked to me. They stated they need a police report to do anything further, but I was instructed I had to start here. They did not not give me an exact amount.

Company response to consumer: Closed with explanation