BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-04
Company: Experian Information Solutions 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:
My credit report was accessed without my permissible permission in XX/XX/2017 by Experian and XXXX XXXX XXXX XXXX. I have requested a signed and dated copy of the permission from both of these companies but they refuse.

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 2022-10-24
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: Their investigation did not fix an error on your report

Complaint:
Experian has failed to remove the account ( XXXX XXXX Account number XXXX XXXX account. {$4.00}, XXXX past due as of XXXX ) from my credit report. They have failed to prove I am the owner of this debt and have failed to provide their investigation process on how they came to this conclusion. I don't believe this matter is being legally investigated.

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 2022-08-03
Company: Klima, Peters & Daly, P.A.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Yes I did received the summons from court about credit card/ XXXX XXXX, XXXX XXXX always I try to negotiating to reach a payment agreement with the plaintiff and I use email contact is the only way I can have everything writing and save the communication between me and the other part. This is not the only one I already did the same process with 6 debts and everything went well with help discount, they help me. But this company which I am talking about NO. On Thursday XX/XX/2022 around XXXX XXXX. This company and my self made a agreement of monthly payment of {$100.00} starting on XX/XX/2022. XXXX XXXX XXXX by his writing said : He will mail me an agreement to sign and return to their office so They can sent to the court of Maryland. From the beginning he knew abouXXXX XXXX XXXXXXXX  and the amount, there was not confusion. 3 days after on Monday XX/XX/2022 Paper work come home with different debt, different case number from Maryland court.. Debt I do not recognize and Maryland court also due to lack of evidence.. But He is still want me to sign and make responsible for that.. At this moment still waiting for the paper work to sign for XXXX XXXX debt.. Now I have to go to court due to them. I feel they harassed me to be responsible for the other account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: I.C. System, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I found out that this was a collection debt for XXXX XXXX which is an animal hospital. I do not have nor have I ever had a pet and I notified the collections agency. I reported that this was a result of identity theft and they are still saying it belongs to me without any proof.

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 2022-12-26
Company: Climb Credit Inc.
State: WA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
During the year 2020, I was laid off and couldnt make any payments. They let me make interest only payments for only 6 months and wouldnt extend it until I found a new job. I asked for my loan to be forgiven also due to the school foreclosure due to abuse of the GI Bill and Washington state not renewing their license. ( Article : https : XXXX ) Since I have yet to find a stable full time job, Ive paid the minimum. They made my account almost go into collections because they put the full balance due as the minimum payment. My tuition was $ XXXX that guaranteed me to get at least career path assistance, which Ive never received and guaranteed me to find a position offering at least $ 20/hr. Climb credit investco is a scam along with XXXX XXXX XXXX XXXX XXXX in XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: Experian Information Solutions Inc.
State: TX
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 accordance with the Fair Credit Reporting Act XXXX, the accounts listed on my attachments 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 an 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 2022-08-24
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: Account information incorrect

Complaint:
I am disputing the inaccuracy that is reporting to your Credit Agency.

According to U.S.C 1602 ( i ) I gave XXXX XXXX XXXX my credit card to obtain money on credit, which is defined under 1602 ( f ) under a open end credit plan. You not only are reporting negative information without my consent, you are reporting late payments. I am aware that you are a creditor and that A creditor may not treat a payment on a credit card account under an open end consumer credit plan as LATE for any purpose, unless you have ensured that a periodic statement including information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. According to 1666 d Treatment of credit balances, I need for you to credit the amount of credit balance to my account, and refund any part of the amount of the remaining credit balance by check to the address listed on file with this complaint. Also Update the account beginning with XXXX to paid as agreed immediately. Please be aware that as a consumer I have rights and will exercise any and all remedies available to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Please remove these inaccurate accounts from my credit report it's not mine under 1681i, delete this within 15 days. 

XXXX account # XXXX bal : {$2500.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-24
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I had a XXXX  card which was scammed and investigated by the First National Bank fraud department. I received a letter dated XX/XX/XXXX as a notice of final resolution my claim was CLOSED. The ordeal had gone on for several months. They sent me an UNSOLICITED replacement card ( ending in XXXX ) which I NEVER used. The Fraud department called me for several months wanting me to pay for charges on the replacement card. I was finally able to get a man who told me ( 'the claim is closed ' ). The Fraud Department calls ceased. I then started receiving phone calls and threating letters to pay the charges on the replacement card. I wrote a letter on XX/XX/XXXX to First National Bank requesting the letters and phone calls be stopped. My wife and I are both XXXX XXXX XXXX, and she has three chronic health problems. The phone calls and letters are VERY UPSETTING for my wife. The phone calls stopped as a result of my letter. However, the letters are continuing. Stopping the letters is the final step in putting an END to this ordeal which started in the XXXX XXXX XXXXXXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-26
Company: EQUIFAX, 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, is violating my consumer right to privacy pursuant to 15 USC 1681b 2 XXXX XXXX XXXX XXXX has also NO permission to report ANYTHING using my information according to USC 1681 4. 
I demand they both delete this account off my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: JPMORGAN CHASE & CO.
State: NV
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
[ 1 ] Inefficient and difficult process when trying to resume/change/terminate account email with/without TFA/2-factor-authentication.

[ 2 ] If worried about identity-financial fraud, Chase should base its security more around alerting and notifying, instead of forcing users to rely on

3rd party or make is so secure that no one, including the true original user, can't ever access the account again in times of disaster or injury [ 3 ] Why isn't mailing address a reliable way of verifying for a simple replacement? It could send verification letters for users to confirm upon receipt if other authentications fail [ 4 ] If initial mailing excludes concerns that other users of the same mailbox will end up activating those cards and materials instead of the person who ordered, that exclusion shall extend the same when the user is trying to recover/change/terminate the accounts after activation.

[ 5 ] If newly generated statements since activation of cards change the parameters of that concern, having to rely on 3rd party storage to save those recovery information ( TFA/2-factor-authentication, credit card, etc ) defeats that very purpose of " safety and privacy of all users. '' The risk that those other 3rd party who has those information pose at abusing the account questions the efficacy of those measures or always fulfill their obligations on releasing those information only when the true user requests, nor is feasible to enforce that obligations. ( Those 3rd party to whom the true user has to rely on, to have those recovery data - TFA/2-factor-authentication, credit card, etc- in times of disaster, injury, etc can bypass those security measures just as easily ) [ 6 ] It is not entirely possible to prevent others from accessing an account without getting rid of recovery measures for the true original user, therefore, the next best measure is to retain the alerting measure that notifies the true original user of others ' attempt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have been trying for 3 months now to obtain my credit file, and credit report, and have been unable to get it.

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 2022-08-03
Company: WELLS FARGO & COMPANY
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
2 new unauthorized mortgages were taken out from Wachovia bank ( now Wells Fargo ) on XX/XX/XXXX and XX/XX/XXXX using my credentials, credit score, collateral and income but were not signed ( enclosed ). On XX/XX/XXXX Wells Fargo offered to mediate the matter and after submitting requested information Wells Fargo declined to medicate on XX/XX/XXXX. 
This case is specifically covered in consent order XXXX. Definitions : Affected Customers : means any consumer subjected to any of the improper sales practices. 
Improper Sales Practies - means any of the following in the XXXX Bank XXXX Bank XXXX XXXX : ( 1 ) opening any account without the consumer 's consent Relevant Period - includes the period from XX/XX/XXXX to the effective date ( XX/XX/XXXX ). 
Wells Fargo has failed to resolve the 2 unauthorized loan accounts and have incurred {$400000.00} in damages from the funds disbursed and negative impact to credit reporting. Wells Fargo reached out to me to initiate mediation then withdraw without cause, violating the consent order and still leaving unresolved the 2 fraudulent mortgages, fails to address the federal loan program abuse and unjust enrichment.

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 2022-12-26
Company: Continental Services Group, Inc. d/b/a ConServe
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Fact, Title 15 Chapter 41 of the U.S. Code is intended to secure my right to privacy and my privacy has been breached so be it, and ; Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truth in commerce, so be it, and ; Fact, please show good faith in this matter by expediting the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, mental anguish, and losses due to me being a victim of identity theft, so be it, and ; Fact, affiant is aware and has proof in the attachment labeled as Exhibits A-D, Continental Service Group , Inc. , is in violation of 15 USC 1692f ( 1 ).

Fact, affiant is aware and has proof pursuant to 18 USC 8 that I am not obligated to remit payment for bills. Exhibits A-D are the responsibility of the United States. 

Fact affiant is aware and has proof pursuant to 15 USC 1692c ( a ) ( 1 ) and Exhibits A-D, Continental Service Group , Inc. communicated with me at an unusual place and time by mailing 4 letters to my location. 

Fact affiant is aware and has proof pursuant to 15 USC 1692e ( 11 ) and Exhibits A-D, Continental Service Group , Inc. failed to state in its communication that it is attempting to collect a debt AND that any information obtained will be used for that purpose.

Fact, affiant is aware and has proof pursuant to 15 USC 1692a, Continental Service Group , Inc. is a debt collector.

Fact, affiant is aware and has proof pursuant to 15 USC 1692d ( 2 ), Continental Service Group , Inc. used profane language in Exhibits A-D to abuse me.

Fact, affiant is aware and has proof pursuant to 15 USC 1692j ( a ), Continental Service Group , Inc, furnished a deceptive form and furnished the form to create the false belief in me that it was participating in the collection of an alleged debt and not the creditor. 

Fact, affiant is aware and has proof pursuant to 15 USC 1692k, Continental Service Group , Inc. is civilly liable for violations herein.

Fact, affiant is aware and has proof pursuant to 18 USC 1341 and exhibits A-D, Continental Service Group , Inc. devised a scheme for obtaining money from me and committed mail fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-26
Company: WELLS FARGO & COMPANY
State: KY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Since I bought the car in XXXX of XXXX  I have had constant issues with them updating my credit report.. made numerous complaints.. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and was trying to keep up with payments and to work out any means possible.. they came on XXXX with no XXXX and repossessed the car.. says I am owing XXXX payments.. I was trying to make XXXX payments so they had a credit of XXXX also but does not credit that until other half is made.. was told one amount to get car back .. cgot extension and now they are telling me another amount {$2000.00} more.. I had an {$18000.00} loan and have been paying on it for over 6 years.. something is not right ..this is a very unethical conpany

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 2022-08-03
Company: Experian Information Solutions Inc.
State: GA
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 have sent numerous documents to XXXX, Experian, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.

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 2017-08-13
Company: Selip & Stylianou, LLP
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In a written letter to Selip and Stylianou LLP, I asked the following : 1. Agreement with the creditor that authorizes you to collect on this alleged debt 2. The agreement bearing my signature stating that I have agreed to assume the debt 3. Valid copies of the debt agreement stating the amount of the debt and interest charges 4. Proof that the Statute of Limitations has not expired 5. Complete payment history on this account along with an accounting of all additional charges being assessed 6. Proof that Selip and Stylianous, LLP. exhausted ALL methods to attempt to collect or settle the debt in question 7. Show me that you are licensed to collect in my state ; and 8. Your license numbers and Registered Agent However, I was given photo copies of alleged billing statements and that was it. This is a violation of my rights as my debt verification has NOT been addressed. Please see the letter I wrote and their lack of providing me with the adequate information asked below.

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 2023-01-25
Company: EQUIFAX, INC.
State: NJ
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 spoke with a representative and told them I did not approve an inquiry and withdrew my application. I don't know if I will need to file a lawsuit in reference to this matter. It showed that I had an excellent score of XXXX prior to the inquiry. Now my score has dropped. I take this very seriously. I did not want this company to pull my credit report. I specifically spoke to a representative and told them this information. They said you can contact them to confirm the application has been withdrawn. I withdrew it almost immediately. The credit application ID # is XXXX with XXXX XXXX XXXX. It appears as the following on Equifax 's website/report. XXXX XXXX Address Date of inquiry XXXX XXXX XXXX XXXX, VA XXXX XX/XX/2023. Also, I noticed several other duplicate inquiries from the same company multiple times on my report. I never applied for a XXXX credit card. So why is this on my report several times? I can have an attorney file a complaint in court if needed. I know what inquiries I authorized, and these are not any of them. XXXX XXXX XXXX Address Date of inquiry XXXXXXXX XXXX  XXXX XXXX XXXX, IL XXXX XX/XX/2023. There are many other suspicious inquiries on the report which I will also file a lawsuit about/against if needed. This is very suspicious, and they need to remove this false information or possibly go to court about the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 have sent numerous documents to XXXX, XXXX, and Transunion and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.

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