BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-04
Company: Experian Information Solutions Inc.
State: FL
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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: EQUIFAX, INC.
State: CA
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:
Four years ago, my personal information was stolen - social security card, XXXX XXXX credit card and California ID. I filed a police report with the XXXX police department, due to fraudulent transactions and cash advances connected to my XXXX XXXX account. They were able to gain access to my XXXX XXXX account using my personal information. I was able to dispute the fraudulent transactions, but then my log-in information to my XXXX XXXX account is was changed and cash advances were being made. My credit card was maxed out on XX/XX/XXXX. Additionally, another fraudulent account was opened under my name through XXXX on XX/XX/XXXX and maintained a balance of {$930.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I have twice tried to dispute a negative collection from a XXXX XXXX  on my accounts that is dated XX/XX/XXXX in the amount of {$870.00}. It is impossible for me to have taken this loan in XXXX or XXXX ( the one and only loan like this I took out was in XXXX ) and they have only updated it but will not remove it from my report or give any proof that this loan was indeed mine and taken out in XX/XX/XXXX. Since it is impossible for me to have taken that loan out at that time it would be identity theft but Ive never received any proof that was provided to Experian by XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15
Company: I.C. System, 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:
hello! My NAME IS XXXX XXXX i had service with XXXX  # XXXX on term of one year contract not to be renewed automatically after that i had paid them in advance for the whole year on that terms they still came and service after that and tried to collect money kept sending me bill, i called to explain twice no response in helping instead they send this to collection agency and now i m getting harassed for something i m not responsible! i called collection agency I.C.SYSTEM INC. ( XXXX ) ACCOUNT NO XXXX, EXPLAINING THEM THEY ALSO DONT WANT TO LISTEN INSTEAD THEY WANT ME TO MAKE PAYMENTS, I ASKED THEM WHY SHOULD I PAY FOR SOMETHING I DID NOT ASK FOR BUT STILL NO HELP JUST SAME ANWER SO AS A CUSTOMER I FEEL LIKE THERE IS NO ONE TO LISTEN TO MY STATEMENT BUT TRIES TO CHARGE ME FOR SOMETHING THAT WAS NOT ASKED OR REQUESTED FOR.THANKS LOOKING FORWARD FOR SOMEONE TO HELP ON THIS MATTER.APPRECIATE ANY HELP, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08
Company: EQUIFAX, INC.
State: CO
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 received a letter from XXXX XXXX XXXX, dated XXXX, about my credit report. The letter stated " [ 1 ] report ( s ) of negative information added to your file. '' I was shocked and concerned because my credit is very good. However, I know identity theft can and does occur. 

I called them to ask about this and spoke with a woman called XXXX She wanted me to verify my identity in order to provide a report detailing this negative information. So after asking as many questions as I could to verify who they were and what this information was, " XXXX '' told me that Equifax made " eight hard inquiries '' from XXXX to open new credit. I provided my name, address, birthdate, SSN, etc. to verify my identity. While XXXX put me on hold to open an investigation and dispute, '' I checked Equifax and XXXX. According to these sources, my credit is fine and there were no hard inquiries. 

When XXXX  '' came back on the line and I told her this, she had no answers or explanations. She just insisted that they would open the investigation. She was in a hurry to get off of the phone after this. When she hung up, I googled the company again and learned that the XXXX gives them a D-. I called the XXXX  and they advised me what to do to address identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21
Company: WELLS FARGO & COMPANY
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
WELLS FARGO BANK, XXXX XXXX, MD IS ISSUING LINE OF CREDIT CARDS BASED ON FALSE APPLICANT INFO, WHICH IS THE ACTUAL ADDRESS OF THE PERSON WHO THE ACCT BELONGS TO. WHEN. IT WAS EXPLAINED TO WELLS FARGO THAT THIS PERSON DID NO LIVE AT THE STATED ADDRESS THEY HAVE IN THEIR DATABASE, AND THAT NO STATEMENTS OR BILLS OF ANY TYPE WOULD EVER BE DELUVERED HERE, AND THAT THE PERSON WHO COMITTED THE FRAUD KNOWINGLY GAVE A FALSE ADDRESS ON A RECENT 30-60 DAY ACCT, IN ORDER TO SWINDLE WELLS FARGO BY RUNNING UP THE CREDIT LINE AND THEN HAVING ALL THE MAIL RETURNED ONCE THE CREDIT LINE WAS MAX OUT. THE BANK REP, DID NOT SEEM A BIT ALARMED NOR DO SOME AT WELKS FARGO, SUPERVISORS WHO WILL NOT FWD THIS TO THE FRAUD DIV FOR SOME STRANGE REASON. THE BANK IN QUESTION, WHEN TOLD OF THIS AND INFORMED THAT THE FBI WOULD B3 NOTIFIED BECAUSE OF PREVIOUS DOJ CASES IN WHICH THEY WERE FOUND GUILTY OF IN THIS EXACT AREA. HE HUNG UP AND NOW NO ONE AT THIS BRANCH ARE ANSWERING PHOMES

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 2022-11-09
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: Information belongs to someone else

Complaint:
I have two unverified accounts that I have already filed a dispute with directly to the credit bureaus and I never received a response back the properly address the issues. The accounts in question XXXX XXXX # XXXX, XXXX XXXX  XXXX # XXXX I have no records of any type of business. I firmly believe this is also a HIPPA violation as well as a violation of the FDCPA 809. Validation of debts their nonresponse is a little confusing.

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 2021-07-07
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: Public record information inaccurate

Complaint:
Regarding Bankruptcy on transunion report. According to XXXX XXXX the account wasn't able to be verified.

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 2022-02-15
Company: Telsa Motors Inc
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint:
Original CFPB complaint logged XXXX. Tesla responded to CFPB complaint, stating they resolved the issue and my lease was terminated on XX/XX/2022 without further recourse. I just received a notice from Tesla via text message indicating that my payment for XXXX was late, which is in error because I am no longer obligated to the lease. I logged into the Tesla portal and found no active cars. When I navigated to past cars, I found my original lease that says it ended on XX/XX/2022 but has an outstanding payment for XX/XX/2022. This needs to be rectified immediately to avoid unwarranted harm to my credit. Tesla does not respond to emails, nor do they send notifications that my email has been received. Therefore, it is unknown if they're actually working to resolve the issue. They only seem to respond to regulatory complaints. I emailed this concern to XXXX and XXXX without response or confirmation of receipt.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21
Company: CORELOGIC 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: Credit inquiries on your report that you don't recognize

Complaint:
my credit is dinged without giving permission

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 2023-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 TRANSUNION XXXX XXXX is obligated by the FCRA to report accurate accounting. consumer has advised ALL the accounts reported was fraud. said companies had 4 days according to LAW to remove such items. FTC fraud report was filed on behalf of consumer, consumer is now requesting XXXX TRANSUNION XXXX XXXX to provide the documentation used to determine accounts was indeed authorized by the consumer, XXXX TRANSUNION XXXX XXXX has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature. consumer is Not asking for an e-oscar report. if XXXX XXXX TRANSUNION does not have documentation to show these were in fact authorized it must be removed asap. SAID companies is liable under the SEC to follow certain rules. XXXX XXXX XXXX i will be filing form 211 treasury omb forms to audit consumers account. 
XXXX TRANSUNION XXXX XXXX is securitizing consumers data yet refuse to provide consumer a copy of their CONSUMER FILE NOT CONSUMER 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 2023-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned about : 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

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 2023-09-04
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please delete these items 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 explanation
Consumer complaint received 2023-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
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.

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 2023-03-11
Company: Experian Information Solutions Inc.
State: CA
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:
The Credit Bureaus XXXX, XXXX, and Experian have listed on my Credit Report XXXX XXXX XXXX and original creditor XXXXXXXX XXXX XXXX in the amount of {$4.00}, XXXX. The issue is this shows opened XX/XX/XXXX and the account is OPEN and all of that is Categorically False! I have been with XXXX since XX/XX/XXXX making this debt over 7 year old which should of been removed from my Credit Report. 

These creditors/collections do this all the time, change dates to justify their Collection activity when in fact they are aware that it is false. This type of business practice in unethical, unlawful, and they know it and still use it to their advantage! 

I have talked and filed complaints to the Credit Bureaus to no avail so I am left with no other recourses than to file this compliant with 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 2023-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
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. 

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 2020-03-15
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
Company : Equifax Credit File : XX/XX/2020 Confirmation # : XXXX Police Department : XXXX, Tx Police Department Phone Number : XXXX Outcome : Waiting on a police report I received 3 letters from banks informing me that additional information was required to complete my application. I had not applied for services from the lenders contacting me. I contacted Equifax, XXXX, and XXXX XXXX to inquire about my credit report. I found 36 inquires that I did not initiate. After some investigation, I found that someone had stolen my identity and created a false drivers license in my name with my address, and license number.

I notified each of these companies that someone has stolen my identity. I am willing to provide a copy of the police report to any business that would like a copy ; however, I have been asked to send personal information, which is requires a notary signature to verify that I am who I say I am. The inconvenience of this request is high, the cost is exorbitant, and the issue of sending personally identifiable information to support a claim of stolen identity is abhorrent. 

I disputed the fraudulent inquiries that we present on my report with each of the credit bureaus. I have received a response from Equifax that " Inquiries are a factual record of file access ''. However, I never disputed that an inquiry was made. I have disputed that I was not the one who requested, nor did I authorize these inquires that appear on my report. 

Equifax has placed the burden of contacting the businesses documenting these inquiries on me. I believe that they have the burden to prove that I made these inquiries. My identity has been stolen by someone who initiated 36 inquires, so far, and has to my current count 5 cars leased, purchased, or rented in my name. In addition, 4 cell phone numbers and an account with XXXX XXXX was opened, which it was explained to me is likely an effort to launder money. 

I am unwilling to send these businesses more personally identifiable information after my identity has been stolen and it is unconscionable that would think I should. Equifax is reporting credit activity that results from someone stealing my identity and responses to a dispute that the inquiry was a factual record, which is in no way in dispute. I freely admit that someone initiated an inquiry, I dispute that I was the one that initiated it. I would like to have this information removed from my credit report. I will be happy to provide a copy of the police report to Equifax, but the insistence I contact these companies to have it removed is irresponsible and should be illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
Company: ProCollect, Inc.
State: LA
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/2023 I wrote ProCollect a no Parking, refusal to Pay & cease & desist letter. On XX/XX/XXXX I received a letter, which puts them in violation of 15 USC 1692k. Per the letter that I receive back from Procollect on XX/XX/XXXX, I am kindly asking for you all to cease and desist ONCE AGAIN. The correspondence received did not fulfill any of my prior requests. All that was received was a contract from another company. 
I have not received any goods or services from you all nor do I intend to. I have no intentions of any contractual obligations with you all in the further as well. Please consider this as " notice ''. Any reporting to my consumer report to any of the consumer reporting agencies will be direct violation of Section 623 ( A ) ( 1 ) ( A ) ( B ). I WILL BE SEEKING {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]. ProCollect is not licensed to collect debt in Louisiana. This is my final attempt for resolution before I seek legal remedy.

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 2020-03-15
Company: Navient Solutions, LLC.
State: MO
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:
Navient submitted a report to the Credit services XXXX  and XXXX  that I now am require to pay twice what I actually pay based on their in come repayment plan and as a result my credit score drop over 30 points and disqualified for a loan for a home. I do not think this fair to me. 

Also, I feel that I am being over charged and am not being properly reported as to how much money has been paid.

Company response to consumer: Closed with explanation