BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-17
Company: EQUIFAX, 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:
I have filed an FTC Report regarding the fraudulent/unauthorized inquiries on my credit report. I have attempted to fix this issue with Equifax multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28
Company: EQUIFAX, INC.
State: WA
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 been a victim of Identity Theft as well as several Data Breaches. The latest being Equifax Information Systems. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: EQUIFAX, INC.
State: NE
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've been trying to contact the XXXX XXXX XXXX XXXX XXXX, XXXX and Equifax ) since XXXX but they never get back to me. Kindly resolve this matter today and I insist that you must take off these items from my credit history promptly. 

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-17
Company: OneMain Finance Corporation
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
I applied for credit from One Main Financial and was turned down. Later over the next 2 months my credit was run again and again. 

I sent them a letter and they never responded. I called their local XXXX office and they didn't know what I was talking about.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17
Company: CAVALRY INVESTMENTS, LLC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Calvary Portfolio Services placed alleged debt on my XXXX, XXXX and XXXX credit reports without modifying me. This is a violation of the Early Warning Clause which states that debt collectors are to notify debtors in writing before placing account on consumers credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: MN
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:
Hi, Someone tried to open a line of credit in my name with Ace Cash Express and was denied. I did not try to open any new lines of credit. The person that tried to get the line of credit also changed who I'm employed with on my credit. That was according to the XXXX XXXX report that I ran. I have made a police report with the XXXX County Sheriffs Office and am waiting on the report to submit to Ace Cash Express. I would like the hard hit on my cred report removed being that I did not ask for my credit to be ran. 
Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10
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: Information belongs to someone else

Complaint:
I HAVE DISPUTED WITH EXPERIAN, XXXX AND XXXX OVER MY CREDIT INQUIRES THESE ARE THE ONES AS FOLLOWS XXXXXXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX BANK XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX. I DO NOT RECOGNIZE THESE INQUIRES, EXPERIAN, XXXX AND XXXX STATES THEY VERIFIED THESE INQUIRIES AND I KNOW THEY DIDN'T BECAUSE THE NUMBERS THAT ARE ASSOCIATED WITH THESE INQUIRIES ARE KNOW LONGER IN SERVICES AND THEY WILL NOT SEND VALIDATION LETTERS FOR THESE INQUIRIES.

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 2022-06-17
Company: ACIMA CREDIT, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I XXXX am having a lot of problems with this Debt Collection Company claiming i owe a debt on a closed account on my Consumer Reports. They are saying they are the Original Creditors. I have sent several letters and at last an Affidavit Of Truth. They responded not with a rebuttal nortorized but only with a lettler. I forgot to copy my notorized Affidavit to show proof XXXX XXXX stamped the seal on it. But Acima sent a strange looking contract 2 times to me. It was for a rental property, but it also included a sectional and mattress separate debt. The 1st contrtact it was 5 pages and the second contract it was only 3 pages sent. The amounts of debt were all positive balances and not any negative balances. The total of debt was 2 different amounts. One amount was {$4300.00} XXXX and the other was {$4500.00}. They even printed my name on the signature line. It was not signed by me This Company is using profane language and obscene words to collect payments. Their logo is illegal in the letter presented to me. It is clearly Debt Collection business. 

U.S. Code 1692d - Harassment or abuse ( 4 ) The advertisement for sale of any debt to coerce payment of the debt This is fraudulent activity and this closed account has already been paid off. They are attempting to still get payments with interest which is illegal. They are not a Creditor.They are a 3rd Party Debt Collector only out to collect payments by commiting fraud.

15 U.S. Code 1692a ( 4 ) The term creditor means any person who offers or extends credit creating a debt or to whom a debt is owed, but such term does not include any person to the extent that he receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another.

The payments on the fraudulent contract are illegal according to this law : 15 U.S. Code 1692f - Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12
Company: EQUIFAX, INC.
State: NE
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX XXXX XXXX contacted me about couple of years ago and said I was owing {$900.00}. I explained to them I was not. And this {$900.00} had been put on my account by XXXX XXXX which is the company XXXX XXXX is under. Now they used XXXX XXXX instead of XXXX XXXX when it had been proven I dont owe any money to them This has affected my credit report and its very sickening. It should be deleted for all 3 credit report agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a dispute on XX/XX/XXXX with XXXX through the cfpb about the furnished accounts on my consumer report. 

XXXX came back and said all the accounts that were disputed were verified as accurate and updated. 

the accounts are not verified and they are not accurate. 

I pulled all 3 credit reports again after my dispute results came back and accounts are still showing improper information amongst all bureaus. 

Please See the errors they are constantly reporting! I've attached proof of these errors as well Account Name XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX shows a balance of {$950.00} Experian shows a balance of {$850.00} XXXX shows the account being late beginning in XX/XX/XXXX Experian shows the account being late beginning in XX/XX/XXXX It's obvious that the account has not been verified as XXXX stated and they are reporting info that's damaging me. I'm trying to buy a home and my well-being is at jeopardy There is apparent neglect going on because I've already asked them to verify and they did not Delete this Closed account immediately According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

They stated my account were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate.

And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate.

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 2023-11-06
Company: EQUIFAX, INC.
State: DC
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:
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. 

Account XXXX : XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 non-monetary relief
Consumer complaint received 2022-04-17
Company: Comerica
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2021 there was a cash amount of {$100.00} by XXXX deducted from my debit card. I have tried calling them several times. Reply was leave a message after the beep. I called my card at Direct Express and started a dispute on XX/XX/XXXX On XX/XX/XXXX I recieved a document from the bank stating they have determined that no error occured.They said if I wish to continue the pursuit of this claim to seek reimbursement directly from merchant. On XXXX XXXX a cash amount of {$120.00} was deducted by XXXX XXXX XXXX I tried calling them several times. Reply was leave a message after the beep. I reported these both to my bank on XXXX XXXX.I recieved a dismissal for both disputes on paper by mail. No explination other than merchannt involved ( plural ) provided documentation that indicates transactions were conductrd with my authorization.I have never heard of or have i ever done any business with either merchant ever. The bank originally put the monies back on my card in XXXX to then subtract the monies in XXXX. On XXXX XXXX I ordered a bottle of XXXX, buy one get the second bottle free which had a money back garuntee included. The only reason i ordered them was because of the garuntee. I called the number provided and ordered and paid for one bottle for the amount of $ XXXXThe following month im looking at my transaction history and there is a charge of {$110.00} from them. I called and told them about the charge and they said i didnt cancel my subscription. This was the first time the word subscription had ever been used. I ordered over the phone. There was never anything about a subscription. I also told them i was unhappy with thier product. There garuntee was that i would loose weight and i had not lost any. The relunctantly reversed half the amount back to my card. I then called the bank and disputed the other half on XX/XX/XXXX. The bank denied the claim saying there was no wrong doing and to go after the merchant if i wanted to proceed.It was denied in writting by mail XXXX XXXX. The merchant should be also reverse the original charge of {$59.00} for satisfaction garuntee. Ive been a customer of Direct Express for over 15 years and made many disputes in the past for them to be denied. This is the first time Ive gotten online to see what rights I have. The bank will not listen to any of the information i had gathered after the denial. I dont even have a drivers liscense but yet they are saying i rented a car. Also the rental of a cabin and a car but niether merchant required any deposit or hold for there property. Its apparent it was not me. i have records from the bank proving i was in my hometown. Please help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-18
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I purchased subject property on XX/XX/XXXX thru XXXX XXXX XXXX and the loan was sold to Wells Fargo. I was never late on my mortgage payments, until the collapse of the mortgage industry in XXXX. I was a XXXX XXXX and was out of a job due to the collapse of the real estate market. I obtained from Wells Fargo a Loan Modification, but they insisted on doing an ARM rate which I opposed. I accepted the loan, then switched to a better loan program based on reduced property value, which would suit me best. Wells Fargo rejected the property reduction loan. I then requested the reinstatement of the original loan, and was rejected. As a customer, I had the right to choose a better alternative. 
Wells Fargo, because of greed, was determined to foreclose on my property, despite my efforts to retain it. It's not right that they get away with their bad behavior, at others expense. I am almost XXXX yrs old, living in subsidies housing, due to their reckless actions.

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 2022-04-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I applied for unemployment XXXX XXXX started working and never received any information regarding unemployment benefits so I just disregarded it. My mail box was broken into. This was reported to the post office. I never received a Bank of America Bank card for my unemployment benefits. Someone completely took control of the account. They somehow got the Bank card and all of my information. They assigned an email I am not familiar with and even changed the address through unemployment. Meanwhile, {$8000.00} was paid out to the theft. Once I found out this information I filed a fraud claim with unemployment which hasnt been resolved yet. I filed a fraud claim with Bank of America which I included a statement and documents of proof as well as police report and they denied my claim three times. Bank of America said that the transactions that were made were not suspicious. How the heck is getting a XXXX XXXX  every single pay day from unemployment not suspicious. If you look at how I use my card now that I actually have it, there is a huge difference! I post my bills and grocery shop and etc. I just want the money owed to me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT According to per XXXX XXXX XXXX I DIDNT AUTHORIZE THE REPORTING OF THE ACCOUNTS UNDER XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2023-05-25
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: 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 : XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX 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 2022-09-30
Company: Experian Information Solutions Inc.
State: OK
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 XXXX  Accounts XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, DEPTEDXXXX 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 XXXXXXXX, XXXX XXXX XXXX  XXXX, DEPT OF EDXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX 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 2022-04-17
Company: CCS Financial Services, Inc.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Credit Collection Services placed alleged debt on my XXXX, XXXX and XXXX credit reports without modifying me. This is a violation of the Early Warning Clause which states that debt collectors are to notify debtors in writing before placing account on consumers credit report.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation