BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-01
Company: EQUIFAX, INC.
State: IL
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 submitted a request in writing requesting for a complete verification of a few items on my credit report with all XXXX bureaus. The request was sent in well over 30 days and they did not provide any verifiable information that proves these accounts have been completely verified. In addition the dates and amounts are still reflecting different between all three bureaus XXXX, Equifax and XXXX. 
The accounts that I submitted a written request for complete verification are the following : XXXX. ) XXXX XXXX XXXX address XXXX XXXX XXXX XXXX XXXX, AZ XXXX phone # XXXX opened and closed dates are different with all XXXX bureaus. 
XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXX  XXXX , CA XXXX XXXX opened and closed dates are different with all XXXX bureaus. 
XXXX. ) XXXX- address- XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX opened and closed dates are different with all XXXX bureaus. 
XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX phone XXXX XXXX. 
XXXX. ) XXXX- XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX , CA XXXX XXXX opened and closed dates are different with all XXXX bureaus. 
XXXX. ) XXXX XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX number XXXX opened and closed dates are different with all XXXX bureaus. 

This should have been fixed ad since now they have not honored the rights I am due legally they must remove the items that were not verified since they are inaccurately reporting on all three bureaus. Please assist me with getting a proper response and now resolution. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: FMS Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
15 U.S.C 1692 ( a ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection if any debt. 15 u.s.c 1692b Any debt collector communicating with any person other than the consumer for purpose of acquiring location information about the consumer shall identify himself, state that he is confirming it correcting location information concerning the consumer, and, only if expressly requested, identify his employer ; 15 u.s.c 1692b ( 2 ) not sate that such consumer owes any debt ; ( 4 ) not communicate by post card ; ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in debt collection buisness or that the communication relates to the collection of a debt ;

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14
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: Information belongs to someone else

Complaint:
I am interested in processing disputes on my credit report to help delete an remove all inaccurate information with experian. this has been an on going issue that needs to be resolved. please review and remove all invalid info that has hindered my credit report asap.

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 2023-03-15
Company: WELLS FARGO & COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
On XX/XX/2021 I received a letter from XXXX XXXX XXXX XXXX in regards to my unemployment funds that were not deposited into my bank account. That letter stated that the funds were deposited into an account that belongs to Wells Fargo Bank NA, and that the NYS DOL is unable to retrieve payments once they have been received by a bank. I was to present this letter to the bank as confirmation that those payments were meant for me. The total amount of funds that were deposited into the fraudulent account are {$2400.00}. That same day I went to the only local Wells Fargo Bank and met with the branch manager, XXXX XXXX. I presented him with the letter and documents to prove my identity. I also have an auto loan through Wells Fargo which he also used to help identify me. Upon review of my information and the account listed in the letter from NYS DOL, he felt comfortable enough to write me a letter stating that the account listed in the NYS DOL letter does not belong to me. I also went to my local police department and filed a police report in regards to the funds that were deposited into a fraudulent account. 

After over a year of going back and forth with Wells Fargo and them opening complaint after complaint ( at least XXXX by now ) and them closing each complaint stating that I did not submit enough or failure to provide new information proving that the funds are mine I've decided to stop paying my car loan which I owe around {$6600.00} on. Wells Fargo is extremely uncooperating and unwilling to help me retrieve my funds.

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 2021-01-26
Company: SYNCHRONY FINANCIAL
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: Information belongs to someone else

Complaint:
There is unknown hard inquiry on my credit reports. Im requested the verification of the inquiry and the method of verification. SYNCB/PAYPAL, Inquiry : XXXX XXXX, 2020. For the first time no response came in 15 days company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiry.

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 2023-05-10
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: Their investigation did not fix an error on your report

Complaint:
All the major credit bureaus have continued to disrespect existing laws regarding my case. I have showed them multiple times of how they have been inaccurate in their reporting, and as such are violating the Fair Credit Reporting Act. 

The law regarding article 15 USC 1681i ( 5 ) of federal law, credit bureaus have to modify or delete accounts that are not reporting accurately. 

These credit bureaus have violated article 15 USC 1681b ( 1 ). They have had no written permission to report inaccuracies. 

As an American Citizen, Article 15 USC 1681 provides me with privacy rights and protections. 

According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

The law is clear regarding in this regard and the credit bureaus have shown no respect for the laws of this land. 

Just as the little guys is held accountable for thier action, equally NO ONE IS ABOVE THE LAW. 

I am asking for help from CFPB to help straighten my case.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-30
Company: ENCORE CAPITAL GROUP INC.
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Midland credit management contacted my ex-husband, on his cell phone, looking for me, about debit that they say I owe from a XXXX XXXX XXXX XXXX. The person gave him the proposed amount due, the last 4 of my social security #, my physical address, my date of birth, date of last payment on the credit card ( 2019 ) and I have never received any mail or correspondence about this debt. Today, I received an early morning phone call, before XXXX from a gentleman that did not verify he was talking to the right person and a revealed all my personal info again on my cell phone ( name with spelling, date of birth ( wished me a " happy birthday '' ), last 4 of my social security and my full address with amount due and last pyment in 2019. I let the representative know I did not know what he was talking about, that I needed something mailed to me ASAP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-17
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I purchased items from XXXX on XXXX as gift for my family but items arrived late. I requested refunds. They provided tracking labels and I sent all the items back but I have not got my refund. It has been 5months trying to contact both XXXX and wellsfargo but no response.

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 2023-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have a XXXX XXXX bankruptcy reporting on my credit report. I sent a letter to the bankruptcy court asking if they report to the credit bureau. I received a response stating they do not report to credit bureau. Any information reporting was not from there. I had a dispute filed with Transunion Credit Bureau and I got a response from the dispute saying the information was verified as accurate. I asked them also send me proof that the bankruptcy court verified this. I only received a letter from TransUnion stating verified as accurate. 

No proof of this from the bankruptcy court. I'm entitled to be provided with the documentation from the bankruptcy court that they used to verify this account. I asked if they couldn't provide me with verifiable proof this account be deleted from my credit bureau. I have not received any documentation of verification.

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 2022-05-17
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Regardless of the multiple written requests, the public record listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with EXPERIAN and XXXX, they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the public records below : Bankruptcy XXXX XXXXXXXX Reference number : XXXX Filed Date : XX/XX/2018 ; Bankruptcy : XXXX XXXX Reference number : XXXX Filed Date : XX/XX/2018 XX/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 explanation
Consumer complaint received 2023-05-14
Company: Experian Information Solutions Inc.
State: MD
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 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 explanation
Consumer complaint received 2023-03-16
Company: PNC Bank N.A.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I run a small personal business XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Sometimes customers pay by cash or checks. A few checks were deposited so they placed my account on hold. While my account being placed on hold, i had an electronic payment that was deposited into my account on XX/XX/2023 in the amount of {$6300.00}. They told me my account was under review while they verify the checks. I explained to them that i dont owe the bank any money & they arent sure as of yet if the checks were made out to me or not. I told them they cant hold my funds if they arent sure whats going on with the checks. They have refused to release my funds. Nowhere in their policy does it say that they can hold my funds for more than five business days with my account being on hold.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I got my fund from selling crypto. These are as follows : XXXX USD. XXXX XXXX USD. XXXX XXXX USD. XXXX I am using my paypal account for my online transactions. My paypal account : XXXX has stucked funds in it that I have to withdraw asap for emergency purposes. I am hoping that I will get back my account and able to withdraw my funds. Thank you and Godbless.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26
Company: Seattle Service Bureau, Inc
State: NE
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:
National Service Bureau is reporting a fraud account on my credit in the amount of {$1600.00}. This is not my account and is the result of identity theft. This is a violation of the Fair Credit Reporting Act and needs to be removed from my credit immediately. This is also a medical bill and a violation of HIPPA. This needs to be removed immediately before I take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-30
Company: EQUIFAX, INC.
State: AZ
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 XXXX XXXX XXXX XXXX credit/debit card # : XXXX is lost/stolen. All of the transactions are fraudulent and unauthorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: Nelnet, Inc.
State: NV
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have 13 loans total by XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Texas, XXXX XXXX XXXX XXXX, XXXX and now Nelnet. 
The first loan was given XX/XX/XXXX. I started making payments while in school in XXXX. I later filed for economic hardship and had my loans deferred and finished school in XXXX. Then All loans were consolidated in XXXX, with no record of prior payments, because they start over, as told to me by XXXX and Nelnet. 
I've been on an income contingent plan for years. Always sent in the application and faxed all required documents. There's never any record of payments or any correspondence between both Department of Education or Nelnet. I moved from Texas in XX/XX/XXXX. I sent a payment, as always and the Department of Education said they sent me to a collection agency and payments could no longer be accepted. 
I received a letter from the Department of Education XXXX XXXX threatening to garnish my wages if payment or payment plan wasn't put into action. Shortly after, I received a letter from XXXX XXXX XXXX XXXX, a collections agency. They added XXXX to my loan for their fees. A payment arrangement was made and I sent payments directly to Department of Education until the pandemic shut everything down. 
Spoke to Nelnet today and they said XXXX might have been a scam because there's no record of payment. When I spoke to XXXX, they don't show it either and referred me to Nelnet. 
My loans have been through too many hands and it's not fair. When loans are this old and payments have been made, I need to know my legal options. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I already have disputed this account multiple times for the last 6 months and there has been no any response after the account information submitted has met the FCRA requirements. The account informations reporting are all inaccurate and doesn't make sense at all. The last active states and the opening dates of this account has been varying from one bureaus to another. Under 15 U.S. Code 1681 ( e ) ( B ), this is a violation of my rights as a consumer for non-compliance. Please remove these accounts referenced to the files attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13
Company: EQUIFAX, INC.
State: MS
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 have contacted all three Credit Bureaus/Agencies XXXX XXXX XXXX Equifax, XXXX ) and the Creditors ( XXXX XXXX XXXX ( 2 ) and Dept. of Education/XXXX  ( 5 ) ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
To whom it may concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 I did not authorize anyone employed by these companies to make any inquiries and view my credit 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 non-monetary relief
Consumer complaint received 2023-05-14
Company: Experian Information Solutions Inc.
State: NY
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 explanation