BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-03
Company: Experian Information Solutions Inc.
State: GA
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:
**PLEASE REVIEW ATTACHED DOCUMENTS** This complaint is in regards to my student loans that are managed by XXXX. They manage 13 of my XXXX and XXXX XXXX XXXX loans. I could not locate the loan numbers for each loan, but have included a picture of the loans listed in my XXXX account. At the beginning of XX/XX/2022, XXXX falsely reported that my student loans payments were 90 days late. This dropped my highest credit score XXXX points and devastated my credit that I have been diligently building for the past several years. When I called XXXX to inquire about why they had reported my payments late without notifying me first that they were due, I was told that my loans were put into deferment and reporting as current. I called XXXX on 3 different occasions about this matter and each representative told me the same thing. They assured me that my credit report would update and show the correct information. My report did eventually update to show that my loans are current ; however, I still have the negative marks of being late 90 days on XXXX accounts! This has tanked my score and I am unsure why XXXX would have done such a thing without at least notifying me first. I know that I am federally protected against billing errors made by companies. I am also covered by the law that mandates information that is reported on my credit report must be accurate. XXXX failed to uphold both of these laws. They did not adequately notify me that some of my loan payments had resumed nor did they inform me that they would be reporting them as late. I have never been late in the 20 years that I have had student loans. This issue has severely disturbed me and has negatively impacted my life for the past 7 months. Each primary credit reporting agency, XXXX, Experian, and XXXX are also complicit in XXXX illegal practices, because I have informed them that this false information should not be on my report. Please assist me with resolving this problem. Thank you.

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 2020-06-04
Company: Experian Information Solutions Inc.
State: AR
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 went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items 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 2023-06-26
Company: EQUIFAX, INC.
State: OH
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:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The XXXX credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate items in my report : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-06
Company: STATE FARM BANK, FSB
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I bought a car and financed through State Farm Bank. I have been paying the loan in good faith for over a year. I went to  renew tags and car was never registered in my State ( VA ) by dealer. DMV does have the car info. Dealer closed doors. Contacted State Farm Bank to ask for title and to see if dealer gave they the title when they funded dealer. State Farm Bank never secured the title or any info regarding the car from dealer. State Farm Bank just paid dealer for a lien/title ( product ) they never had. I even said I'd pay loan in full to give me the title, to hear from State Farm Bank that they do not have the title to my car and no other info regarding the funding or payment to dealer. I asked them how they funded dealer without title ( lien ) and they told me it is not their problem and I have to pay the monthly installments or in full. I asked them if paid in full how they will provide the title to hear that is not their problem and i have to pay the loan. 
This is being investigated by the criminal division but meanwhile State Farm Bank demands payment on no collateral or no lien, title. I can't understand why, I have to continue paying for a product that they don't have title. This is fraud on their part as they are continuing receiving monies for nothing. 
And since this is a criminal investigation, I have to lease a car to commute to work. How can a finance company or bank do this?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: EQUIFAX, INC.
State: AK
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AK XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX, XXXX XXXX & XXXX, XXXX XXXX XXXX & XXXX, XXXX XXXX XXXX XXXX XXXX XXXX has violated several of my rights.

15 U.S.C 1681 section 602 A. Clearly states that 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 an 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-and consumer credit plan as late for any purpose. 

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-10
Company: EQUIFAX, INC.
State: MI
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:
Hello, This is in response to complaint XXXX against Equifax who is currently reporting an inquiry for XXXX XXXX on my credit report which is not accurate. Please see the attached letter from XXXX XXXX confirming that it is not accurate and please have the inquiry removed from my credit immediately. Equifax should also do a better job of investigating and protecting consumers. I am certain if they actually contacted XXXX XXXX and followed the appropriate channels they would be aware that this is fraudulent. 

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: Torriere Holdings INC
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
SRS called saying I allegedly owe a debt and it was placed with them by a client of theirs. 2 of their debt collectors hung up the phone on me while I was talking ( which was very rude and unfair ). The 3rd guy, XXXX whom Id spoken with, I asked him to transfer me over to his manager or Supervisor and the phone went silent for a few minutes, he didnt try to transfer me over but as soon as I said they are being recorded as well, I heard him immediately say hold on while I transfer you and a few seconds later the manager came on. They want to talk but when I start talking about their unfair practices, they hang up the phone as I continue to talk. As I talked with the manager, he was very rude, unfair, and the conduct was very much abusive with repeated infliction of verbal abuse, such as the use of derogatory remarks and insults, saying I need to stay off XXXX and XXXX from watching credit gurus. I felt very much insulted, belittled and they insulted my intelligence. I know the laws and I research FDCPA ( Fair Debt Collection Practices Act ) and FCRA ( Fair Credit Reporting Act ) all the time. I told the manager I do not watch XXXX  and he insisted on trying to tell me that I do and that I watch XXXX and that I need to stop listening to it. Why is it that when a consumer who knows the laws, they talk to you as if you are uneducated and they are the only ones who know the laws? They were intimidating and deliberately tried to undermine my work and reputation and I honestly feel SRS was out to oppress me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-06
Company: Coinbase, Inc.
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Attempted to sign into coinbase account but locked out due to 2-factor identification. When attempting to verify identity the identification process required access to device that was damaged ( which was also causing me to be unable to 2-factor identify ). Emailed coinbase customer support but was not given a method to verify identity and log into account without the damaged device. Was unable to be fixed in one year - attempted to resubmit a new ticket via coinbase website however submissions always time out.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-18
Company: WELLS FARGO & COMPANY
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
On XX/XX/2021 while at work I was called on my personal cell phone by a man who represented himself as calling on behalf of a Law Group. Through out the exchange he continued to emphasize that this was a law firm of some type that represented creditors. I subsequently learned that the call was in fact at the behest of XXXX XXXX XXXX, a collection agency based in California. 

The man on the call alleged that this debt is originally owed to Wells Fargo. I closed my accounts with Wells Fargo in 2011. At that time the bank made no mention of any amount I owed. 

I believe XXXX XXXX XXXX probably knows I don't have an outstanding debt to Wells Fargo, but they must certainly know that even if there were such, it would be time barred in any state they might claim it applies in. 

I am mailing off a letter disputing the debt to XXXX. I also am requiring documentation.

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 2022-06-10
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2021-07-23
Company: EQUIFAX, INC.
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:
I, Consumer XXXX XXXX have unauthorized inquiries present in my consumer report that originated from identity theft. 15 USC 1681c-2 states that consumer reporting agencies must block and remove any inquiries derived from identity theft. Block and remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Dear Sir/Madam, I am writing to formally dispute the presence of certain items in my consumer report, which have been reported without my written consent. This action is in violation of the provisions outlined in 15 USC 1681b. Additionally, I have reported this matter as a case of identity theft to the Federal Trade Commission ( FTC ) and possess a reference number for this incident [ XXXX ] As per 15 USC 1681c-2, it is the responsibility of the consumer reporting agency to promptly block the reporting of any information in the file of a consumer that the consumer identifies as resulting from alleged identity theft. The law mandates that this should occur not later than 4 business days after the date of receipt of such information.

I hereby request the immediate removal of the following accounts from my consumer report : ACCOUNT NAME : XXXX XXXX  ACCOUNT NUMBER : XXXX OPEN DATE : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER:XXXX  OPEN DATE ; XX/XX/XXXX ACCOUNT NAME : XXXX  ACCOUNT NUMBER:XXXX ACCOUNT NAME ; XXXX XXXX ACCOUNT NUMBER ; XXXX ACCOUNT NAME ; XXXX XXXX XXXX ACCOUNT NUMBER ; XXXX UNAUTHORIZED INQUIRES XXXX XXXX XXXX  on XX/XX/XXXX XXXX XXXX  on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXXXXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX XXXX XXXX  on XX/XX/XXXXXXXX XXXX XXXX XXXX  on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXXXXXX XXXX XXXX on XX/XX/XXXX XXXX These accounts were reported without my written consent and are a direct result of the identity theft incident, as indicated by my FTC reference number [ XXXX ].

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-20
Company: EQUIFAX, INC.
State: LA
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:
I recognized some unauthorized inquiries on my Equifax credit report. Knowing that its an act of fraud Im asking for them to be removed immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: EQUIFAX, INC.
State: NY
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:
This information is incorrect and does not belong to me, I do not want it in my report. 
XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-10
Company: PNC Bank N.A.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
PNC BANK REFUSES TO HELP COLLECT A XXXX DEBT THAT A FRAUD CAR SALE HAS CAUSED ME A CONTIUED LACK OF MONEY I CALLED 4 TIMES ON XX/XX/10 AND WAS EITHER HUNG UP ON OR TRANSFER DROPPED AFTER 45 MINUTES AND BANKERS NOT ONCE TRIED TO CONTACT ME BACK,.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-23
Company: Radius Global Solutions LLC
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Over three years ago someone at or through XXXX Bank transferred money from my XXXX XXXX   charge card,,, I notified XXXX of this authorize transferee they did nothing to stop it and two other ones. I canceled their card and paid what I owe them. Now they are using Radius Global Solutions LLC aka XXXX XXXX XXXX to collect this illegally transferred money. They call daily event on the weekends and keep sending mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$960.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$6800.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$410.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$620.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$670.00} XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX ) XXXX Balance : {$120.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$180.00} ; 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2021-12-03
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I, XXXX, the natural person is still a victim of identity theft and the non authorization of credit reporting from third party bureaus such as EQUIFAX AND XXXX. I have seen collection accounts drop off yet it is still appearing. this is willful defamation.The information can not be accurate pursuant to 15 U.S.Code 1681 A E. in Addition, FCRA Part ( A ) ( 5 ) ( B ) ( ii ) violation by reinserting information of the said account without notification, FDCPA Section 807 ( 8 ) ,805,806 violations as well. The information was already deleted please, delete it for good, .XXXX  XXXX XXXX XXXX XXXX still reporting ) AS DELINQUENT, " CHARGE OFF '' YET the account is UNAUTHORIZED even be reporting due to the non written consent by the me the consumer and infringement on my 4th Amendment rights, especially to privacy and to be secure in my papers. An Identity theft report has been done ( report Number XXXX ) in accordance with the Federal Trade Commission. I have not authorized this nor should be reporting on my report, these companies are blatantly and fraudulently harassing and defaming my name and character and overall life.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-06
Company: EQUIFAX, 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:
Hi my name is XXXX XXXX and I have been writing your company endlessly and also writing directly to Equifax to try to get my credit score correct as I am a victim of identity theft since XX/XX/XXXX up to the present. I have tried endlessly to work with the credit bureaus but they keep reporting false balances even when I send actual paperwork from my credit card companies. Let me start with Equifax the balances that they are reporting on my XXXX account are in accurate and I would like it updated. Also the balances that they report one my XXXX XXXX   card acccount is inaccurate and I would like it updated. Also the balances that they are report on my XXXX XXXX card and my XXXX XXXX card are inaccurate and I would like them updated with correct amounts. Also Equifax does not have my employer listed and I would like my employer added to my credit report the company I work for is called XXXX XXXX XXXX XXXX. Also Equifax is putting my identity at risk because they displayed my whole social security number on my report and never updated my mailing address as requested. So please make them update my mailing address to XXXX XXXX XXXX XXXX ny XXXX as they keep putting my information at risk.

Company response to consumer: Closed with non-monetary relief