BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-12
Company: ALLY FINANCIAL INC.
State: OH
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:
My credit report shows multiple hard inquiries on XX/XX/2021 for auto financing. I did NOT authorize any of these banks to run my credit. I am suspicious that a car dealership illegally sent my information to these banks without my consent and attempted identity fraud. Regardless, I have no knowledge of any application sent to the banks and did not apply for credit with any of the banks. Below is a list of inquiries from XX/XX/2021 on my XXXX  credit report. 

XXXX XXXX XXXX XXXX XXXX - XXXX applications on same day! 
XXXX XXXX XXXX Ally Financial Below is a list of inquiries from XX/XX/2021 on my XXXX  and XXXX  credit report. 
XXXX  XXXX Ally Financial

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 2022-05-03
Company: EQUIFAX, 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 response to consumer: Closed with explanation
Consumer complaint received 2022-11-12
Company: EQUIFAX, INC.
State: MI
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:
Account : XXXX XXXX This account has never had any late payments made by me. I have always had this account on autopay to take atleast the minium payment. I have not been in any sort of financial troubles. The current company is not the company that reported that missed payment. My account was sold to this company. I asked the furnishing company, XXXX, XXXX and Equifax to provide me valid proof of a 30 day late payment. All these companies simply responeded by saying the account is valid and reporting accurately. I submitted a compalint back in XXXX of 2022 and the furnishing company just responded by saying the account is reporting accurate. I have also disputed with all 3 credit bureaus.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
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:
On or about XX/XX/22, I received a notice of a declined credit card from XXXX XXXX, I also received an alert from XXXX XXXX about a new inquiry from Bank of America., two actually. I immediately called both as I had not applied for any new credit. I have since filed the appropriate paper work with the XXXX, sent certified letters, along with supporting documents. Police report, driver license etc. Asking for the hard inquiries to be removed from my credit as BOA had determined it was fraud and has closed the checking account, and credit accounts down. However, the hard inquiry still remains, they have stated that the credit reporting agency must receive a dispute that they can not help. I have already done this and the credit agency states that only the creditor can remove the hard inquiry. I do not know what else I can do. I have followed all of the steps necessary but am not receiving the result I need.

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 2023-06-14
Company: Experian Information Solutions Inc.
State: LA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-05-12
Company: WELLS FARGO & COMPANY
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
In XX/XX/XXXX, I was defrauded by an individual using XXXX technology into believing he was a person I knew, we had made plans to purchase a loft in XXXX, Georgia ( where I lived at the time this happened ), he " proved " his identity to me by sending to my XXXX a photo of his passport and copies of his bank records, unbeknownst to me, both of these items in his name were faked, and as it turned out, this man I thought I knew was not the same person. 

To continue : He convinced me to wire to him funds in a one-time wire transfer in the amount of {$97000.00} USD, which I did from my branch of Wells Fargo to his specified branch of Wells Fargo in XXXX XXXX XXXX Missouri on XX/XX/XXXX. 
As soon as I realized I had been defrauded, within a couple of weeks, I contacted law enforcement and made a police report. With this report in hand, I went to my Wells Fargo branch and explained all of the aforementioned details, showed them proof of the wire transfer and a copy of the police report, but I was told there was nothing they could or would do to help me reclaim my funds. Discouraged, I went home and decided to try again, so I made another appointment with a manager and the exact same situation occurred again. It was at this point that I began researching funds recovery experts and upon their advice in XX/XX/XXXX, I wrote a letter of complaint explaining the fraud and including the wire transfer proof and police report to both Wells Fargo customer service and to Wells Fargo 's fraud department. I never received a response to my email so I called Wells Fargo to follow up on my correspondence, only to be told there is no telephone number by which to reach these departments because " they are in the back offices. '' In total I sent four different letters to Wells Fargo regarding this, only to be ignored until XX/XX/XXXX, at which time I finally received a letter from Wells Fargo declining to assist me in any way at all.

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 2021-05-12
Company: T.S. Holdings
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I submitted a complaint already and the company responded by telling me Im wrong and that the apartment was left beyond reasonable repair. I have emails from when we moved into the apartment stating the apartment was not clean at all and that the blinds were already broken. Ive already explained the carpet situation, they needed to be replaced because of damage done by the apartment maintenance people, they were already replacing the carpets and painting because they were renovating all apartments. We did not do any damage to that apartment and left it just like we found it. The trash they claim was left there was one bag that the office itself told us was okay to leave up there as the apartment trash bins were overflowing. And as for contacting the apartment, I have made many attempts to reach them and have the manager phone number. She never answers the phone and never calls me back even though Ive left several upon several messages. My roommate and I moved into the apartments at XXXX XXXX  XXXX XXXX in XXXX in XX/XX/2019. The apartment was not clean when we moved in, and we had not been allowed to see our apartment before the move in date. We told the office and they insisted it had been cleaned so we had to clean it ourselves. We had many issues with them over the year we lived there including AC and power going out multiple times. AC was out for two weeks once, we couldnt stay at the apartment because it was over 90 degrees outside. They put fan units in to try to keep it cool and these fans leaked out water all over the carpet causing damage. We decided not to renew our lease and expected our full deposit back because we left it much cleaner than wed found it, no damage other than to the carpet that was caused by their fans. Not only did we not get any deposit back, they charged us {$400.00} claiming they had to replace carpet. They are the ones that caused the damage to the carpet, and also they were remodeling all apartments and taking out the carpet anyway. They charged us for the remodeling they were doing, we did not leave any damage to that apartment. I have called their office and their management multiple times over this last year. Ive left message after message and no one has returned my call. Now I have this charge on my credit that I dont deserve. They still owe us our deposit. They took our deposit and charged us more money on top of it when we left zero damage to the apartment. I cant afford a lawyer and have no idea what to do about this situation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: EQUIFAX, INC.
State: NY
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
" There should be no monthly payment on an this disputed XXXX XXXX XXXX account if payments are not being made nor if the account is closed or charged off ; DELETE immedately ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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. 

1. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX 2. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX 3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX 4. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX 5. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX 6. The following personal information is incorrect XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

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 if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-12
Company: Credit Management Control, Inc.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I have been fightimg a fraud case and the rivht that i hold to the fcra and the fair debt act. I have been violated on so many ways and wish for this matter to stop ... this is not my name my Name is XXXX XXXX this is not my debt i see the address on both the papers that were harrassee to me AFTER I SEEN THIS FRAUDULENT ACT ON MY REPORT WITH WRONG NAMES AND ADDRESSES they begak this act. Never in my life have they ever contacted me .. So now im really understanding this is fraud by the company also they sold the debt to a company it was never mine to begin with and the adresses ok the paper dont even exist. The name on the paper does not exist as well. PLEASE REMOVE IMMEDIATELY OR IM SUEING I HAVE A PICTURE OF THE PAPERS OF HARRASESMENT BUT THE COMPANY TOLD ME TO FILE A POLICE REPORT I WILL NOT THIS IS NOT MY NAME OR ADRESS OR CASE AND ITS BEEN SOLD THEY SAY THEY ARE SEEKING MY TAXES THAT IS A CRIME.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: Nelnet, Inc.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I was told by XXXX XXXX  when my XXXX XXXX  was going to school that I would have to apply for a XXXX XXXX loan and be denied in order for them to increase my child 's loan amounts. I applied and they approved it for XXXX semester. My XXXX  is no longer in school and now they are saying that I owe over $ XXXX. They were also getting XXXX XXXX  loans at the time. I am on XXXX and my credit is terrible from tons of medical bills. This loan never should have been approved and I do not believe the amount is correct, it is definitely fraudulent predatory lending.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12
Company: Radius Global Solutions LLC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2021 radius global solutions, mailed me a letter threatening to add a derogatory mark to my credit report for debt committed via fraudulent activity. Upon further research, the debtor could not provide original contract nor signatures. This account has transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. There hasn't been no written form of communication or contract for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines.According to the FCRA, radius global solutions has violated my rights as a consumer and I am requesting legal action to cease any type of contact and remove any collection accounts immediately.

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 2021-08-12
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have attached three accounts that all are reporting inaccuracies to all three of my credit bureaus. As per the FCRA anything thing reported in my name to all three of the credit bureaus should be reported 100 % accurate. I would like to have these accounts deleted due to not following the FCRA and reporting 100 % accuracy to all three of the credit bureaus.

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 2023-03-09
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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 : 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 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 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 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 if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Car loan was paid off in full and the other 2 credit agencies show no debt or balance pay charge off. It is clear from their reports. Trans Union shows there is a balance of {$470.00} and it should be {$0.00}.

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 explanation
Consumer complaint received 2018-08-07
Company: TRANSWORLD SYSTEMS INC
State: NC
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/18 : Loan company created new loan account and sent XXXX dollars of loan that I don't owe. ( I had preexisting loan with that company with balance XXXX dollars ). School or loan collection company did not notify me of sending this loan before hand, I happened to see it when I logged in to check my preexisting loan. Since then, I called collection company, school, and XXXX  ( I was working with the XXXX to pay off my preexisting student loan ) to get to the bottom. School admitted that they sent the loan wrongly to the collection company without realizing that I have been working to pay off my student loan past 2 years with the XXXX  since graduation of school. School said that they will contact the collection company and fix the issue. 
XX/XX/18 collection company negative disbursement the principal XXXX, account still had a balance of XXXX dollars of interest from the principal that I don't even owe. I called the school and collection company XX/XX/18 contacted both collection company and school to resolve issue of remaining interest it should be XXXX. 
XX/XX/18 account now has balance of XXXX dollars, I contacted the school and called the collection company. 
XX/XX/18 I contacted the school and I sent private message on the collections company website asking them to resolve issue. 
XX/XX/18 I contacted the school to ask for updates or if they hear from the company XX/XX/18 I emailed the school XX/XX/18 I emailed the school XX/XX/18 I emailed the school asking for updates. 
XX/XX/18 I sent private message on the collections company website asking them to resolve issue. 
Since mid XX/XX/XXXX I stopped calling the collection company because their call center people refuse to connect me with upper management or account specialists who handle my problem and keep repeating the phrase the issue has been forwarded to account specialists. 
School forwarded the correct documents for the incorrectly sent loan account to be XXXX out. The company needs to update my account, but has not done so for long time Today there is still XXXX dollar of balance left XX/XX/18

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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