BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-01
Company: Early Warning Services, LLC
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I have an account with Zelle via my banking institution, XXXX XXXX. Someone else fraudulently set up an account using my phone number, which locked me out of my account and also allowed them to potentially receive money sent via Zelle to my phone number. I spoke with both XXXX XXXX  and Zelle. XXXX XXXX  is unable to handle the fraudulently created account because they do not manage Zelle accounts outside of XXXX XXXX  Zelle accounts. Zelle claims it is not their problem because I use Zelle via a bank. I am uncertain if anyone has used my phone number to request payments or collect funds because I can not access my account. The only solution Zelle offered was to link my account to my email address and discontinue use of my phone number. This is worrisome because friends and family use my phone number to send me money via Zelle. I can not be assured that someone else is not collecting those funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: Jon Barry and Associates, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Identity Theft, PARAGON REVENUE GROUP are using name, address and Social Security number is being used fraudulently and has taken the signature and the instrument like it belongs to them and trying to collect. I do not know who this company is and have not authorized any use of this information and they are causing defamation of character and threatening the credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: MARINER FINANCE, LLC
State: TN
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:
XXXX n accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 Experian XXXX XXXX XXXX XXXX XXXXXX/XX/2022 Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/2022 Experian XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of 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 2022-06-09
Company: The Outsource Group, Inc
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The bill was not paid because the bill was not filed with the insurance company in a timely manner so they denied the claim.The insurance company sent a letter to me and them explaining i was not at fault for the non payment, however Medicredit refuses to remove as there company policy is and i quote " we do not remove any collection once we submit it ''. I have made calls at least XXXX times with the same statement repeated to me. When asked for a supervisor they never have one available and the reps say they will have them call within 24 hours. I have never gotten a call back in 24 hours so i call them back and we go thru the same cycle all over again. I have sent Medicredit the letter from the insurance company, as well as, XXXX and the medical company that submitted the claim. None of which as helped. The account shows a ZERO balance. And is no longer in collections. But they refuse to remove the collection off.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
XXXX XXXX # XXXX {$88.00} XX/XX/XXXX XXXX XXXX  # XXXX {$150.00} XX/XX/XXXX XXXX XXXX XXXX XXXX # XXXX {$550.00} XX/XX/XXXX XXXX XXXX XXXX XXXX # XXXX {$720.00} XX/XX/XXXX THEFOLLOWING ACCOUNTS ARE REPORTING INCORRECTLY

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
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: Old information reappears or never goes away

Complaint:
XXXX gave me a credit line without having me apply for it. I logged in one day and there was a credit line for {$10000.00}. So I started spending it and received grossly high bills. When I called them to ask about the fee 's and interest and informed them I never agreed to the terms or even applied for the credit line, they stated I agreed to the terms as soon as I spent the first dollar. I made an honest attempt to repay them until the interest + fees + " other '' exceeded the balance and then threw my hands up and refused to pay it. It was a bottomless pit of hopeless fee 's. 

I received a letter in the mail years ago stating there was a class action suit against XXXX for doing this same thing to other people. I received a check for {$2.00} as a settlement for the suit. 

My limit on the account was {$10000.00} and they reported {$12000.00} and now it's $ XXXX. 

The account # XXXX is the credit line that I never applied for. I'm trying to buy a house and this black mark is really hurting my credit score and I refuse to pay them for this slimy predatory action. Someone suggested filing a complaint with you in hopes you can have it removed.

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 2022-08-01
Company: Experian Information Solutions Inc.
State: MO
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 company continues to violate my consumer rights and the law but telling u that they are doing there job and following rules which i proof multiple time with document of how they just put all the accounts in dispute on XX/XX/XXXX but now it comeback as updated but they will tell u that they doing there job.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, 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:
On XXXX XXXX 2017 XXXX XXXX re-inserted an old debt onto my credit report and failed to notify me within 5 business days afterwards and wo n't remove this previously Deleted item.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I saw an article about experiencing credit report system database was hacked, and to check to see if your information was compromised. When I filled out the form my information was a part of the investigation and I didnt receive receive any notification of my name, being a part of the investigation.

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 2022-07-29
Company: ACIMA CREDIT, LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
As a federally protected Consumer, the consumer comes now to dispute any alleged claims you currently are reporting as a consumer debt on the consumers credit report.

The Consumer is requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ).

FURTHERMORE, the above consumer DEMANDS the following below : Account Name : ACIMA XXXX FKA SIMP Account Number:XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
MUCH TO MY DISMAY, I RECEIVED AN ESCROW ANALYSIS STATEMENT DATED XX/XX/2022 XXXX XXXX # XXXX THAT DISPLAYS XXXX FALSE FEES OR XXXX PAST YEARS HOMEOWNERS INSURANCE AND {$130.00} UNJUSTIFIED ESCROW CHARGES. STILL, MY OVERAGE AMOUNT SHOULD BE WAY MORE THAN {$3300.00}. 
IN ADDITION, I WAS CHARGED XXXX FEES FORCE PLACED INSURANCE PREMIUMS OF {$140000.00} AND {$1700.00}. 
XXXX XXXX XXXX IN THE LAST XXXX YEARS HAVE ALWAYS EMAILED TIMELY PROOF OF CONDO MASTER INSURANCE POLICY. THESE ACTIONS BY RUSHMORE LOAN MGMT LLC VIOLATES FEDERAL BANKING LAWS BASED ON PREDATORY AND/OR UNFAIR PRACTICES THAT HAS PUT ME IN HARMS WAY. I AM REQUESTING ALL FALSE FEES TO BE DELETED OFF MY ACCOUNT AFTER OMBUDSMAN/ESCROW AUDIT AND A FULL REFUND OF MY OVERAGES SENT TO MY MAILING ADDRESS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13
Company: John C. Heath, Attorney at Law, PLLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Unexpected or other fees

Complaint:
I had a account with Lexington law to monitor my credit doing so they upgraded my subscription to a larger amount and took off bad item off of my credit report that was not mine and charged me {$110.00} once {$130.00} once and I called them to try to resolve the issue and it was only able to get half of my money back and when they took the bad off of my credit my credit reported zero credit and now I have no credit score at all and can not obtain a credit score because of a bad item on my credit report that is not mine, every time I sign up for a credit card to get a small loan to build my credit it asked me a personal question of my last mortgage amount which I have no mortgage I don't have a last mortgage and never had a mortgage amount and they can not identify me due to that one bad item on my credit score. I am XXXX XXXX XXXX without a credit score and without any credit I don't have bad credit just no credit and don't know how to start to get credit because I can not get a loan due to these facts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29
Company: Experian Information Solutions Inc.
State: GA
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 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 rights.

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 2022-12-12
Company: CITIBANK, N.A.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
An AC purchased from XXXX XXXX over year and half. Next day returned due to malfunctioning item. I was told it will be credited back to my Home Depot Card XXXX. A year later, a bill of the item has arrived with the charges, from that moment after today I called the Home Depot complaint depart.and in person at the store where was returned and never solved the issue.Today, I am in the middle of a purchasing a home but I'm getting close to be rejected due to this debt thats decreased my credit score. 
I spoke to two of the representatives from XXXX dispute dept. Whom can not expedite the process. I am begging you to please help me solving this uncomfortable issue, I'm getting afected financially due to lack of interest from the Home Depot store in processing each credit properly. The seller of the home I'm purchasing is giving me one more week to close the deal otherwise, I will be loosing some of the money I put down for it. 
I'll be waiting for your prompt response. 
Best Regards XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: Netspend Corporation
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Netspend is engaging in a variety of deceptive banking practices in how they are running their XXXX XXXX prepaid checking and savings account combination. 

The checking account was supposed to give a {$100.00} cash bonus. After numerous customer service inquiries with chaotic and nonsensical responses, three CS agents in a row told me over 2 weeks that the {$100.00} bonus would be paid to my account NO LATER THAN XX/XX/22. That date came and went without a bonus. upon inquiry, another agent reversed course and said it would not be paid blah blah blah. This is deceptive and unfair. 

The savings account could only be opened after receiving a qualifying direct deposit. Upon receiving that DD, I was allowed to open the account, which comes with a monthly fee. The only reason the monthly fee is " worth it '' is that the account promises to pay 6 % interest. yet the account did not pay any interest for XXXX. they keep taking the fees but not paying the promised benefits. 

so I'm now in the red on this fraudulent account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: Minto Financial dba Minto Money
State: SD
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I took this loan out trying to establish credit and was told as long as I make the payments every pay period, I would not be charged interest. However, after paying the original balance twice over, the amount of the loan was still higher than the principle balance. I spoke on the phone with the representative prior to accepting the loan and was told I would only be charged the interest if I missed a payment. I have made every payment and my loan is still higher than the original balance. This is in my opinion a predatory loan and possibly the the downfall of what we consider good practice ethics.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
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: Reporting company used your report improperly

Complaint:
In accordance with the fare credit reporting act XXXX account # XXXX, have violated my rights. 
15 usc 1681 section 602 states I have the right to privacy.

15 usc 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 usc 1666B : A creditor may not treat a payment on a credit card under a open end consumer credit plan as late for 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 non-monetary relief
Consumer complaint received 2022-08-23
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
On XX/XX/XXXX a balance transfer of {$10000.00} was made by Wells Fargo from a XXXX account. 

This balance transfer was NOT authorized. 

The XXXX account was owned by my husband XXXX XXXX XXXX, who had passed away on XX/XX/XXXX of XXXX XXXX XXXX days before this transfer was made. I was a user on this card, but not a co-signer and not responsible for the account. 

I have spent hours talking to every department at Wells Fargo XXXX Credit Card, Fraud, Executive office. I went through a mediation program, but during the mediation discussion they decided the issue did not fall under a mediation category. 

They have not been able to substantiate any approval for this balance transfer.

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 2022-12-12
Company: CITIZENS FINANCIAL GROUP, INC.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On XX/XX/2022, I ( a consumer and natural person ) received an adverse action letter from Citizens Bank. Who refused to approve my application, in which I extended in good faith. It was stated that the decision was based on my low credit score of XXXX, along with key factors that they felt adversely affected my credit score. 

Adverse action against a consumer is against the law according to the Equal Credit Opportunity Act. Citizens Bank violated my rights as a consumer who made an application in good faith but credit was not issued. Furthermore because my non-public information was used in a transaction in which I received no benefits, this is proof of fraud.

Company response to consumer: Closed with explanation