BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-21
Company: Experian Information Solutions Inc.
State: VA
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 officially filed complaint with the Federal Reserve - XXXX against multiple Creditors ; XXXX, Experian and XXXX XXXX ( XXXX Specifically ) and the CFPB. 

My legitimate issues are being ignored. 

I am frustrated and angry.

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 2023-09-05
Company: EQUIFAX, INC.
State: MA
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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 non-monetary relief
Consumer complaint received 2022-02-17
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am a small business owner. My old employee XXXX XXXX who no longer works for me started to fraudulently modify my check and redepositing it in her account. She received a legitimate check on XX/XX/XXXX. Then on XX/XX/XXXX she made a fraudulent deposit, she modified the check she received on XX/XX/XXXX. She changed the date, check number, and deposited the check to her bank XXXX XXXX  XXXX XXXX ), my bank Wells Fargo Approved it without any notification to me. She proceeded to continue to do this scheme and change the same check 78 times over 7 month before I realized the situation. She also made 6 checks in two different persons account ( 4 checks XXXX XXXX ) and ( 2 for XXXX XXXX ). In total 84 checks were fraudulently made. Many of the checks were deposited on the same date with different amount or date number. I never received any notification from wells Fargo. I believe she was using photo app deposit and then altering the check, but I don't know exactly she could have been working with the teller. Its clear that the same check was used in every deposit because signature is exactly the same and so is the way the back of the check is signed. I filed a fraud complain with Wells Fargo but it was denied because I should have discovered the fraud within 30 days of the first incident. I have a police case against this individuals, but I strongly believe my bank should have protected me especially when its very easy to alter existing check and make a photo deposit. 
I uploaded my bank statements this account is now closed but there were 3 checks posted in XXXX and bank statement is not yet available. On Bank statement Highlighted in Yellow is XXXX XXXX, In Green XXXX XXXX, In Red XXXX XXXX. Summary is uploaded as well.

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 2023-11-01
Company: EQUIFAX, INC.
State: FL
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:
I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXX  XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, MA XXXX XX/XX/XXXX XXXX XXXX XXXX FL XXXX XXXX, MA XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : -

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-21
Company: ACIMA CREDIT, LLC
State: DC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing to file a formal complaint against Acima, a Lender that has recently been involved in violations related to my credit file. I believe that Acima has failed to comply with fair debt collection practices, specifically in the handling of subsequent sale to another lender without providing me with written notice. 

The first issue pertains to the lack of proper notification concerning the charge-off of a debt held by Acima and its subsequent transfer to another creditor. Despite the debt being charged off and sold to another lender, I did not receive any written communication from Acima notifying me of the charge-off or the transfer of the debt. This failure to provide clear and timely notification infringes upon the requirements outlined in the FDCPA. 

Furthermore, there appears to be a discrepancy regarding the reporting of the charged-off debt. Despite Acima having sold the debt to another Lender, they continue to report the debt. This raises concerns about inaccurate reporting and the potential for double-counting the debt, which not only affects my credit profile but also violates fair reporting practices. 

I believe these actions by Acima represent violations of the Fair Debt Collection Practices Act, specifically Section 1692e, which mandates clear and accurate communication regarding debt collection and reporting. I have made multiple attempts to resolve these issues directly with Acima but have not received satisfactory responses or resolutions. 

Therefore, I respectfully request that the Consumer Financial Protection Bureau investigate this matter thoroughly. I would appreciate your assistance in ensuring that Acima complies with the laws governing fair debt collection practices and reporting standards. Additionally, I kindly ask for guidance on how to proceed and seek proper redress for these violations. 

Enclosed, please find copies of relevant documentation supporting my claims, including any correspondence with Acima regarding this matter. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: EQUIFAX, INC.
State: PA
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:
THEY REPORTED INFORMATION TO MY CREDIT REPORT THAT SHOULDNT BE THERE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12
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:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # 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.

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 2020-05-08
Company: Experian Information Solutions Inc.
State: UT
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:
Mixed file. Another individual 's name, social security number, and address are mingled with mine on my Experian Credit Report. I discovered this because of credit event posted by a collection agency in the amount of {$460.00} on XX/XX/2020.

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 2021-09-14
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX & XX/XX/XXXX someone logged into account a sent three XXXX transactions to their account after stealing my phone. 
Transaction 1 was for {$1.00} Transaction 2 was for {$1300.00} Transaction 3 was for {$1400.00} On XX/XX/XXXX I filed a claim with chase informing them of the fraudulent transaction claim # XXXX chase denied the claim on XX/XX/XXXX. 

I had my attorney send chase several letters in which they never responded to. 

To Whom It May Concern : Please be advised that our offices have been contacted by XXXX regarding the claim and account number set forth above. MsXXXX XXXX informs us that on or about XX/XX/XXXX, an unauthorized charges in the sum of {$2800.00} was assessed against her account by XXXX Payments. She does not know the recipients of the funds. 
As Ms. XXXX did not authorize the charges, she promptly disputed the charges with Chase Bank on XX/XX/XXXX and the claim number set forth above was commenced. On XX/XX/XXXX, your offices closed Ms. XXXX claim, erroneously concluding that the transaction was properly processed and/or authorized. Ms. XXXX then disputed the finding and Chase again denied the dispute, saying that no fraud triggers could be detected and that the device used was consistent with her log in history. 

Ms. XXXX states that her device was secured in a locked location while she was hospitalized for XXXX. She was unaware that her phone had been stolen as she was seriously ill and hospitalized at the time. She therefore had no occasion to report the theft until she left the hospital and discovered it. Ms. XXXX asserts that at no time did she initiate these charges with XXXX. As such, the charge was clearly fraudulent and Ms. XXXX should not be held financially liable for the charges. 
On behalf of Ms. XXXX we demand that your offices reopen this claim and remove the charge and any related fees from Ms. XXXX account and send Ms. XXXX written confirmation of the account adjustment. Alternatively, if your offices contend that the charges were authorized, then we demand that your offices produce written copies of any and all documentation upon which base your conclusion for Ms. XXXX review. If your offices fail to comply with this demand within twenty-one days of the date of this letter, we shall advise MsXXXX XXXX to pursue all remedies at her disposal. This firm appreciates your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
This is the refilling of my complaint to CAPITAL ONE. I accept that my data is being abused and detailed as wrong. In my credit report from XX/XX/2023, I discovered some slanderous things that I didn't know about. I found late installments which never occurred and account with mistaken data, like payment history, status, balances, and date of last activity. As per 15 U.S.C. Area 602 and 15 U.S.C. Segment 604 A Part 2, I have the right to protection and a buyer revealing office can't outfit a record without my writtien instructions.

Company response to consumer: In progress
Consumer complaint received 2022-10-25
Company: Experian Information Solutions Inc.
State: IN
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:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022

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 2022-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Reporting agency is reporting inaccurate information on my credit report and did not properly answer or correct the inaccurate information nor did I receive an alert of accounts being reinvestigation into this matter.Under 15 USC section 1681 i ( a ) if your company can not provide proof of these being accurate with no missing information these accounts should be deleted immediately! These Accounts are not in compliance to XXXX XXXX standards.Accounts are as follows, 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 2022-02-17
Company: Capio Partners, LLC
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I recently paid the debt debt collection dealing with XXXX XXXX XXXX to ASSET CARE located in XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX They had not removed the letter but sent me a letter in the mail stating the debt was paid. 

Now that I received the letter it has been placed again under a company that is right accoss to their building CAPIO PARTNERS XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX I believe this company is trying to scam more money from me under another debt collector

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-12
Company: EQUIFAX, INC.
State: CA
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 reported a collection account on my consumer report that is a fraudulent account to Equifax. The collection agency sent me documents that obtained my name but my signature was forged. They denied the block because I didn't put the correct amount. I found out that the amount XXXX XXXX is trying to collect is different than the amount that is on the bill. By law when a consumer reports an account as fraud, the consumer reporting agency is supposed to block and delete that information from the consumer 's report. 15 U.S. Code 1681c2. Although Equifax has the right to not block the information, they denied the block due to information the collection provided which was a different amount that I was unaware of.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12
Company: FIRST CITIZENS BANCSHARES, INC.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I have a delinquency on my credit report from a bank account I had in 2017 through XXXX bank. Before I could resolve the issue the bank was closed or merged into first citizens bank and they have no record of the account for me to even resolve the matter. Therefore I have a delinquency with an agency that is no longer in business.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14
Company: State Collection Service, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was contacted by State Collection service by text and phone ( even outside of the time window they are supposed to contact ) with claimes I owed a debt. I did not recognize what the debt was for and asked on at least 3 occasions, twice on phone calls and once by letter, for validation of the debt since I did not recognize it.

They continued contacting demanding payment but never provided the validation documents and recently reported the debt to credit agencies.

I am not going to pay a debt I don't recognize and under the law, the validation documents should jave been provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
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: Information belongs to someone else

Complaint:
I have already disputed these accounts on the basis of identity theft, I even did an identity theft report through the FTC, yet the bureaus are still reporting the following accounts : XXXX XXXX XXXX {$1500.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$3400.00} Also Experian keeps listing a XXXX  XXXX docket number XXXX which was done by an attorney without my consent XX/XX/2018. 

I am including said FTC report as evidence that I have tried to address this once already.

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 2023-07-12
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

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

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 2020-01-04
Company: EQUIFAX, 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 status incorrect

Complaint:
The vehicle was a lemon and returned within two weeks of purchase. Equifax is reporting the accurate dates of account open XX/XX/XXXX and correct date for account closed XX/XX/XXXX. The account status is inaccurate it is reflecting as an open installment and was never updated XX/XX/XXXX with the last activity date that is closed in repossession. Since the account holder has updated the account as of XX/XX/XXXX with 120 day late payments from XX/XX/XXXX-XX/XX/XXXX. This is fraud, this goes above inaccurate reporting. The account needs to be removed and Equifax should be held accountable for allowing this company to conduct such illegal credit reporting practices. Instead they advise you to file a dispute and refuse to admit the companies accountability for accurate reporting to Equifax on their consumers but instead want you to file a dispute as 5 billions others would as if this is the same issue and it is not. This company is a fraud from the inception of selling used damaged unsalable cars and then traumatizing consumers even further by using Equifax credit reporting to torture you even further by not reporting the account closing or accurately reporting their repossession and voluntary repossession rates to be scored and taken to account against their business practices and better business ratings. In my experience as one of their many victims they are continued to allow lending if they don't show their true first payment default ratio. Again another use of the credit reporting agency to fraud Equifax which they allow by not averaging the complaints against the companies reporting with the numbers of first payment recalls or repossessions as they arent being reported. I am using myself as an example to assist others in receiving the same long term fraudulent activity from XXXX XXXX XXXX through the Equifax reporting bureau. This complaint is against Equifax for not protecting my rights per the FDCPA. I intend to contact the FDCPA and advise of the activity allowed against me the response from Equifax and the ongoing continued issue still unresolved in almost 4 years come XX/XX/XXXX. Based on the activity of Equifax allowing the customer XXXX   XXXX XXXX to utilize their resources to victimize me I want them removed immediately from my Equifax credit report and their access to my Equifax credit report blocked never allowing them access again as I never intend on conducting current and or future services from this corrupt, fraudulent, inhuman credit practicing company again and if I could avoid Equifax being allowed to report for me I would remove myself from ever being reported by them again after this very traumatic experience I can't sleep

Company response to consumer: Closed with explanation