BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-22
Company: EQUIFAX, INC.
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:
Date : XX/XX/2023 Failure to investigate Name : XXXX XXXX Current address : XXXX XXXX XXXX XXXX mi, XXXX SSN : XXXX Date of XXXX To : Dear Credit Bureau XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Your XXXX XXXX verified the XXXX account. I looked at the FTC site, and they stated that you have to tell me how you verified this account. You have to tell me details and not a boiler point letter. Please tell me how. FAILURE TO INVESTIGATE, please re-investigate and DELETE ALL items lists below. 

( XXXX ). Creditor : Account : XXXX XXXX # XXXX Reason : FAILURE TO INVESTIGATE ( XXXX ). Creditor : Account : XXXX # XXXX Reason : FAILURE TO INVESTIGATE ( XXXX ). Creditor : Account : XXXX # XXXX Reason : FAILURE TO INVESTIGATE ( XXXX ). Creditor : Account : XXXX  # XXXX Reason : FAILURE TO INVESTIGATE Please send me details on how this account was verified. 

Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 AM A VICTIM OF IDENTITY THEFT. I SENT COPIES OF MY OFFICIAL POLICE REPORT AND DISPUTE LETTERS OF THESE ACCOUNTS BY CERTIFIED MAIL SEVERAL TIMES TO THE CREDIT REPORTING AGENCIES, HOWEVER THE ACCOUNTS ARE STILL REPORTING WITH NO DELETION OF THESE FRAUDULENT ACCOUNTS. ACCORDING TO THE FAIR CREDIT REPORTING ACT I HAVE RIGHTS UNDER 15 USC 1681 THAT HAVE BEEN VIOLATED. THESE ACCOUNTS LISTED BELOW HAVE VIOLATED THE FOLLOWING LAWS LISTED BELOW 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 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 : states a consumer reporting agency can not furnish an account without my written instruction. 

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, 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 or has reasonable cause to believe 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 2022-07-27
Company: Block, Inc.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
For the second time in 2 months, Square has opened a fraudulent account in my name without my permission. Today I received a Square Business Debit card in my name at my home address that I did not request or apply for. The same thing happened last month. And it happened a 3rd time to my husband as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
In accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXX, US SM BUS ADMIN ODA, 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 response to consumer: Closed with explanation
Consumer complaint received 2019-08-26
Company: National Management Recovery Corp. (NMRC)
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I have been attempting to resolve the situation listed below since XX/XX/2019. I have worked with legal representation for National Management Recovery Corporation ( NMRC ) through a company  called XXXX XXXX and was promised resolution but the issue is still open. 

History and details of issue : On XX/XX/2019 I was contacted by a local phone number that actually belongs to my city police department. The caller informed me that she works for the XXXX, California Police Department and she was trying to verify my location so that she can have me served with court documents. When I stated I did not know who would be suing me, she gave me the name of the law firm, XXXX XXXX XXXX at XXXX and said that I have an hour before my papers were served. When I called the number above, I was told that they were a law office and that I had a lawsuit against me for fraud and embezzlement and that I had one hour to pay the debt in full or they would contact my employer letting them know I had committed fraud. I agreed to pay the {$5700.00} on my credit card, which included a {$150.00} charge to rescind the court filing paperwork. 

After I paid charge I began to believe the claims were untrue so I returned the call I had received from the local police department which is when I discovered that my police department had not been involved at all and that it is possible for these scammers to tap into local authority 's phone banks to begin the scare tactics and send the consumer to the false legal firm. I then called back the company and was told they are actually a collection agency called " XXXX XXXX '' and that their parent company is " National Management Recovery Corporation. I spoke to a XXXX XXXX and a XXXX XXXX, both of which used vile and insulting language, and denied they committed fraud by impersonating a police officer and an attorney. All the while I told them I was trying to determine the legal nature of their collection practices. 

I have been since contacted by an XXXX XXXX, legal counsel that represents XXXX XXXX which represents NMRC. Mr. XXXX informed me that NMRC was utilizing illegal debt collection practices and that my account should not have been in a status to be collected. Mr. XXXX and I agreed I would dispute the fraudulently collected charge of {$5700.00} to ensure the charge was removed from my credit card. However, I have now been unable to contact representation at XXXX XXXX to successfully resolve the issue.

This situation is nearly three months old and I will continue to escalate to all available agencies to put a stop to the illegal collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Unauthorized open account

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 2022-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Checked my credit report. I dont owe XXXX XXXX XXXX XXXX Never been to XXXX, Fl. This is identify theft. Someone use my personal information to get health care.

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 2023-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-12
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-05
Company: Colony Brands, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This account was created fraudulently. I never opened this account. I even paid toward the account to get it off my credit file in 2012. They still refused to remove it. Customer service representative did n't care about me not creating this account. They still held me responsible for this account that I did not create.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I presently live and own a home in XXXX Florida and Wells Fargo ( WF ) holds the mortgage on this home. In XX/XX/2020, in preparation for the sale of my prior home which was located in XXXX Florida, I engaged WF staff to assist me in applying proceeds from the sale to recast my present loan. WF representatives did not correctly post my principal payment and though I have followed the instructions of the WF staff, explicitly, I find myself, now, in a position that I have been erroneously charged late fees, erroneously reported to credit bureaus for missed or late payment and still have not received written confirmation of the loan recast. I have neither missed a mortgage payment nor been late in making a payment. I have been diligent in documenting my communication with WF staff and following the directions of WF staff and have found that I must consistently re-initiate action and follow through to confirm actions are being taken by WF to resolve this matter.

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 2023-09-25
Company: Resurgent Capital Services L.P.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On XX/XX/XXXX, I initiated my most recent dispute by sending a certified mail to LVNV FUNDING LLC. In this communication, I requested thorough verification of the debt, including but not limited to the original contract bearing my signature. Regrettably, I have not received any response from LVNV FUNDING LLC containing the requested documentation, nor have I received the 1099-C form. I also explicitly asked that they cease collection activities on this debt while the verification process is underway. 

Prior to this, on XX/XX/XXXX, I sent a certified letter to LVNV FUNDING LLC requesting the original contract pertaining to this debt. It is important to note that the original debt in question does not appear on my credit report, further necessitating clarification. However, my request for the original contract went unanswered, and the response I received merely stated that the debt had been " verified '' without providing any supporting documents. 

Additionally, on XX/XX/XXXX, I communicated with all three major credit bureaus to dispute the inclusion of the LVNV FUNDING LLC account on my credit report. I asserted that this account did not belong to me and requested its removal. Despite these efforts, the LVNV FUNDING LLC collection account continues to be reported by XXXX and XXXX. 

Then today XX/XX/XXXX I received a certified letter from the sheriffs department demanding payment. 

I have undertaken these actions in good faith to resolve the matter and ensure the accuracy of my credit report. It is my sincere hope that the Consumer Financial Protection Bureau ( CFPB ) can facilitate a thorough investigation into this dispute to ascertain the validity of the LVNV FUNDING LLC collection entry on my credit report. I urge your prompt attention to this matter as it significantly impacts my financial standing. 

Please do not hesitate to reach out if additional information or documentation is required to facilitate this investigation. I appreciate your assistance in resolving this matter and look forward to a prompt resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04
Company: EQUIFAX, 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:
The reason for my filing of this complaint is that this company is not adhering to consumer set laws. I have written to this company for a number of times including XXXX giving them all the details that they need to proof that I am a victim of identity theft. But until now they are still reporting these erroneous, fraudulent accounts on my credit report. 

I am attaching all the documents that i sent them that is 1. my dispute letter to them dated XXXX XXXX. My FTC report filed by FTC that same date. 

Please have it known that I am a victim of identity theft. My Personal information was compromised, I don't know how but as a result fraudulent accounts and Inquiries were opened on my behalf without my authorization. 

Fraudulent accounts : XXXX, Account # XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX J XXXX XXXX XXXX, Account # XXXX Untitled, Account # XXXX Fraudulent Inquiries : XXXX Date filed XX/XX/XXXX XXXX Date filed XX/XX/XXXX XXXX XXXX XXXX Date filed XX/XX/XXXX XXXX XXXX Date filed XX/XX/XXXX XXXX   Date filed XX/XX/XXXX XXXX XXXX Date filed XX/XX/XXXX XXXX XXXX Date filed XX/XX/XXXX XXXX/XXXX XXXX Date filed XX/XX/XXXX XXXX XXXX Date filed XXXX Date filed XX/XX/XXXX XXXX/XXXX XXXX XXXX Date filed XX/XX/XXXX XXXX XXXX XXXX Date filed XX/XX/XXXX XXXX Date filed XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. DPT ED XXXX XXXX {$4300.00} DPT ED XXXX XXXX {$3500.00} DPT ED XXXX XXXX {$150.00} DPT ED XXXX XXXX {$700.00} XXXX  XXXX {$2400.00}

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 2022-10-05
Company: EQUIFAX, INC.
State: HI
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 NY : 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 2023-07-11
Company: CITIBANK, N.A.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened an online checking account tempted by a CITIBANK 's bonus offer to earn XXXX of XXXX XXXX miles. A month after the accounts origination, XX/XX/XXXX, it was unjustly closed without any communication, on-line access was blocked. Even though the account was closed it still accepted part of my payroll deposit ( {$500.00} ) and cleared a personal check ( {$700.00} ) from my other bank. There was about {$650.00} in tat account already in the account prior to that. Any attempts to recover my funds have been unsuccessful. I contacted customer service center on multiple occasions only to get more frustrated. Submitted verbal and written complaints - no response. The centers employees gave me robotic, scripted answers and lacked professionalism. My concerns regarding my funds being retained without valid reason were not addressed. At this time CITIBANK has been in possession of {$1800.00} + of my funds for over a month which is a violation of funds availability policy and completely unacceptable, unethical practice.

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 2022-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX HAS PULLED MY CREDIT XX/XX/2022 I DID NOT GIVE XXXX THE PERMISSION TO PULL MY CREDIT. THIS INQUIRY IS FRAUDULENT AND MUST BE REMOVED IMMEDIATELY. I HAVE TRIED REACHING OUT TO CREDITOR AND TRANUNION WITH NO RESOLUTION OR PROOF/VALIDATION OF AUTHORIZATION.

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 2022-07-26
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 XXXX  XXXX  XXXX  XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX 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 2023-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 my third 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXX XXXX  Balance : {$860.00} ; XXXX XXXX Balance : {$1000.00} ;

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