BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-07
Company: LTD Financial Services, L.P.
State: KS
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:
So Ive contacted both of these fraudulent companies regarding fraudulent accounts opened in my name, under my information, on my credit reports, and as such took it upon myself to give them the chance to rectify the situation. First only the XXXX  XXXX XXXX XXXX XXXX XXXX XXXX was showing on my credit reports, to which I contacted them via the XXXX  for them to remove because I never opened it myself. After doing so, a few weeks later, some collection account, representing this company name LTD Acquisitions LLC added their trade line to my credit reports as well. And stated that it was opened 7 months ago, but they JUST now put it on my credit? Doesnt make sense. Either way, XXXX XXXX XXXX XXXX XXXX XXXXXXXX sent a letter to me detailing, that the account was opened in XXXX  and that they found no signs of fraud..And that if I still claim to not have opened it I can send them a copy of my SSN card, my drivers license, and proof of address in XXXX of 2019 ( because that when the fraudulent card account was opened. I will not be sending them my SSN and license.if Im reporting fraud with you all, why in the world would I send copies of that information to you all? It serves no purpose. But I will provide proof of employment AND residency to them in the form of my pay stub to which I was WORKING AND LIVING IN XXXX XXXX XXXX  TO BE EXACT. in the month the account was supposedly openedthat is proof enough I didnt open it, I wasnt even living in XXXX  during the time frame. I had never heard of this company or the collection company they assigned this account to, but either way I am not liable nor financially responsible for said account, So BOTH TRADE LINES ( XXXX XXXX XXXX XXXX and LTD needs to be IMMEDIATELY AND PERMANENTLY REMOVED FROM MY CREDIT REPORTS ( XXXX, XXXX, XXXX ) or formal litigation will commence, and you and your entities will be sued to the fullest extent of the law allotted. Ive already provided these documents but will do it on here as well. ( Identity Theft Affidavit, Paystub, etc. )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: Experian Information Solutions Inc.
State: FL
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 XXXX XXXX XXXX # XXXXXXXX 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. Chapters 4

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 2023-04-24
Company: CITIBANK, N.A.
State: DE
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:
Citicard called and said my card was compromised in XXXX XXXX A new card was sent which has been used since that time. Citicard gave several credits and adjustments, but continues to charge about {$4000.00} that they did not give credit/adjustments for the total purchases that were not mine. I have continued to notify them by written statements and phone calls with nothing resolved. Since XXXX, the calls were with my banker XXXX times, 2 to 3 hours each time. We continued to be shuffled between customer service and the fraud departments. Each time we were told the balance was XXXX dollars ( {$0.00} ) only to find that the following statement was still over {$4000.00} more than the monthly purchases. Each month since the initial card change, I have paid for my purchases.

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 monetary relief
Consumer complaint received 2022-10-07
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
I have asked the credit bureaus to do a Theral review of the credit report they it but there are still inaccuracies found. in accordance with the fair credit reporting act XXXX XXXX XXXX XXXX  has violated my rights, 15 u.sc 1681 section 602a section 2 it also states consumer reporting agency can not furnish a account without my written instructions. therefor they are wrong

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: WELLS FARGO & COMPANY
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received an email on XX/XX/22 stating that I was approved for a Wells Fargo bank account which I did not apply for. The link in the email contained some of my personal information but when asked to confirm my identity it asked to send a txt to a phone number ending in ( XXXX ) which is not my phone number. I called Wells Fargo and they flagged my information so the account would not be allowed to be used.

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 2020-05-06
Company: EQUIFAX, INC.
State: AL
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:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
This is my Complaint about the negligence of the 3 Credit Bureaus and I alleged that they have violated the Fair Credit Reporting Act by inaccurately reporting information on my credit report with the late status of accounts resulting in significant harm to my financial standing and reputation. I demand that they rectify this violations and provide me with accurate and updated credit report immediately. These are the inaccurate accounts that I want them to correct : XXXX XXXX XXXXXXXX Balance : {$1000.00} ; XXXX XXXX XXXX XXXX : {$50000.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
called on friday XX/XX/XXXX and spoke to a representative, before he humg up on me i explained to him that i never consented to any hard inquiry for any card, i never signed an agreement, or understood any agreement that may or may not have been acknowledged on my behlaf

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 2023-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 sent a letter asking XXXX, TransUnion, and XXXX to investigate my accounts. It has been over 30 days. These consumer reporting agencies are in violation. 

According to 15 USC 1681i - XXXX, TransUnion, and XXXX have 30 days to investigate and send me the results. 

And They also didnt even record the current status of the disputed information which is another violation. 


Also this collection agency contacted me via mail harassing stating that I am ignoring them. I do NOT HAVE A WRITTEN CONTRACT WITH THEM SIGNED BY ME. they have not produced one at all nor gave details of this alleged debt as in why they have the debt in the first place. They didnt notify me of them purchasing an alleged debt or any other required information so they are in violation and at risk of being sued for {$1000.00} per violation Accounts XXXX XXXX XXXX and 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 2023-10-16
Company: Experian Information Solutions Inc.
State: MD
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:
Regardless of the multiple written requests, the ITEMS 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 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file 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 explanation
Consumer complaint received 2022-10-07
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: Old information reappears or never goes away

Complaint:
Back in XXXX I had to declare XXXX XXXX XXXX due to a XXXX XXXX  This put a real strain on my life not being able to get credit especially during the time when covid hit the us. I new the risk I was taking but for 8 years my credit has been outstanding. This negative mark reflected on all three credit reports XXXX, XXXX, and Experian. Recently I contacted each credit reporting agency and the only ones that that removed that negative mark was XXXX and XXXX. They listened as I explained my situation and granted my request to remove this negative mark off my credit report. I also contacted your business ( Experian ) the person I spoke with didnt want to even hear what I wanted to say. He was so rude that I ended the conversation with him. I know there are rules that follow but during these times after 8 years of good credit this should be removed. Please Im trying to get my life back on track

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 2023-11-15
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting 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:
I have never had a single late payment on one of this account. All the information is incorrect. I want it to be reviewed and removed as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-16
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:
I submitted a letter to the Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-03-28
Company: WELLS FARGO & COMPANY
State: MO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
WELLS FARGO HOME MORTGAGE 1. I mailed letter to WELLS FARGO HOME MORTGAGE asking them to apply any escrow overages to the escrow account, request denied, they mailed a check to me and increased my total house payment, I mailed the check back to them ask that it be applied to escrow, and reduce my payment back to the original amount, they would not 2 Once again I had a overage in escrow, ask again that it be applied to escrow, once again Wells Fargo Home Mortgage mail a check to me and increased my house payment. 
I mailed the escrow check to them and ask that it be applied to escrow and reduce my house payment back to the original amount, they would not This has happened over and over, I hope you will put an end to this unethical/unlawful business practice from WELLS FARGO HOME MORTGAGE

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 2020-05-05
Company: Experian Information Solutions Inc.
State: AR
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 was informed by my banker ( 20 years ) that I was not approved for a personal loan because items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible XXXX XXXX XXXX {$53.00} XXXX XXXX XXXX {$440.00} XXXX XXXX  XXXX {$500.00} XXXX XXXX XXXX XXXX {$8600.00} CHAPTER XXXX BANKRUPTCY DISHCARGED XXXX {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: GUARANTEED RATE INC.
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
In XXXX or XXXX I applied for a unsecured loan from GUARANTEED RATE INC . I received final confirmation of loan approval on XX/XX/XXXX. I purchased a home on XX/XX/XXXX. I was induced into signing a mortgage document they said would secure their loan. My loan was unsecured, not to mention that FHA insured the loan in case of default. Around XXXX of XXXX I read a publication from the Federal Reserve called Modern Money Mechanics. In it, it details how banks create money. It also states that banks do not make loans. It accepts promissory notes in exchange for bank credits. They breached the contract by failing to provide lawful consideration. I reached out to them by mail XX/XX/XXXX. I asked them to submit evidence that the contract was valid. They neglected to so. I informed them I would suspend payments until they did so. They then sold the Mortgage to XXXXXXXX XXXX who initiated Foreclosure proceedings. GUARANTEED RATE was compensated by FHA when the account went into default. It deposited {$140000.00} into a borrowers account as an asset ( basically to fund the check to the seller ) and matching liability to XXXX XXXX. GUARANTEED RATE did not sign the agreement which makes it unenforceable by law. I asked for the {$140.00}, XXXX that they were liable to me for. They never responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
According to the fair credit reporting act All items published on a consumer credit report have to be 100 % factual. A previous dispute about this account XXXX XXXX acct # XXXX revealed that a proper and thorough investigation was completed. However after reviewing the info on my reports there are inaccuracies which are grounds for removal of this account from my report. Please see inaccuracies below. 
-account types are all inconsistent -account detail inconsistent - date opened inconsistent -payment status inconsistent - date last active inconsistent -date of last payment inconsistent

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 2022-03-28
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received the following email from a company that I have never done business with. All the information they have about me is incorrect ( e.g. name, address, debt... etc ). 
They do however have my e-mail correct and continue to send me e-mails about a debt that does not exist with them. 

Their message reads : This is your XXXX XXXX XXXX XXXX Money Transfer receipt and confirms your authorization for a one-time electronic bill payment to Santander Consumer USA XXXX XX/XX/2022 XXXX. The total amount will be debited from, or charged to, your bank account or card listed below. 

Confirmation Number : XXXX Sender Name : XXXX XXXX Sender Address : XXXX XXXX XXXX, XXXX, XXXX  XXXX Account Number with Receiver : XXXX Your bank account or card # : XXXX Receiver : Santander Consumer USA XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX Payment Date : XX/XX/2022 Payment Amount : {$410.00} Money Transfer Fee : {$2.00} Total : {$410.00} California Residents XXXX You, the customer, are entitled to a refund of the money to be transmitted as the result of this agreement if ACI Payments , Inc. does not forward the money received from you within 10 days of the date of its receipt, or does not give instructions committing an equivalent amount of money to the person designated by you within 10 days of the date of the receipt of the funds from you unless otherwise instructed by you. If your instructions as to when the moneys shall be forwarded or transmitted are not complied with and the money has not yet been forwarded or transmitted, you have a right to a refund of your money. If you want a refund, you must mail or deliver your written request to XXXX XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX, XXXX XXXX. If you do not receive your refund, you may be entitled to your money back plus a penalty of up to {$1000.00} and attorneys fees pursuant to Section 2102 of the XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX 
XXXX, XXXX XXXX COMPLAINTS : Click here for information about filing a complaint Please contact Santander Consumer USA directly at the address listed above or call XXXX if you have questions about the posting of this payment to your Santander Consumer USA account ending with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Company: Kriya Capital, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have called the multiple times to try and pay ( forgot the day but on 2 separate occasion ). Instead of talking to me when i gave them their account number they asked for information such as my social security which i have not given them nor have given them any right to that information. XXXX XXXX XXXX shared my social security with this company and now they are claiming that there was fraud on my account and want me to put in writing to them all of this information which i have refused to do.

Company response to consumer: Closed with non-monetary relief