BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX. XXXX XXXX, XXXX XXXX XX/XX/XXXX. XXXX XXXX XXXX Balance : $ XXXX XXXX Balance : {$0.00}. XXXX XXXX XXXX XXXX : {$580.00}. XXXX XXXX XXXX : {$34000.00}. XXXX XXXX : {$1400.00}. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$560.00} XXXX XXXX Balance : {$2900.00}. ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$650.00}. XXXX XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXX. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/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 2021-12-14
Company: FORD MOTOR CREDIT CO.
State: IL
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I, XXXX XXXX entered into a consumer credit transaction with XXXX XXXX XXXX on XX/XX/2018. While conducting the consumer credit transaction, a finance charge was involved. According to 15 USC 1605 define a finance charge as the sum of all charges in a consumer credit transaction. In addition to 15 USC 1605, finance charge includes insurance, annual percentage rates ( interest ), and does not include cash. XXXX XXXX requested and took a {$10000.00} down payment in cash and 41 monthly payments of {$230.00} year-to-date. XXXX XXXX also did not include my annual percentage rate nor include insurance within the finance charge. Last, XXXX did not inform me nor include in the installment contract that I have the right to recession which is in violation of 15 USC 1635.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20
Company: HW Holding, Inc
State: AK
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Hunter Warfield attacked my credit score without sending me any notices in the mail or leaving any message on my phone about a debit being owed. The apartment complex where the debit originated from never billed me for the amount being owed and I promptly payed after receiving my final move out settlement.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-20
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: Information belongs to someone else

Complaint:
Fraud has been committed on my consumer report, which violates the FCRA and FDCPA. 
" XXXX XXXX  '' using extortionate means to collect on alleged debt, I do not owe that resulted from extension of credit which violates Title 18 USC 892-894 and constitutes racketeering activities and extortion. This is a notice sent as per the Fair Debt Collection Practices Act ( F.D.C.P.A. ) 15 U.S.C. 1692 ( G ) Section 809 ( B ). This notice states that your claim is disputed and validation of the account is required. *Purchase Agreement* Evidence that you are a licensed debt collector *Chain of Title* Proof that you are a license debt collector to collect in my state. *A requested copy of your State Department of Commerce and Insurance Certificate . THIS IS A REQUEST FOR ACCOUNTING ; REQUEST REGARDING LIST OF COLLATERAL OR STATEMENT OF ACCOUNT IN REFERENCE TO U.C.C. $ 9-210. This authenticated record must include all tax filings ( including all 1099 's, 1096 's, and 1098 's ) any and all trades and/or investments and/or interests associated with this account of which I am alleged to be a party. I have a right to this information, as its directly associated with the reporting activities. Failure to substantiate the claim, please settle the account immediately and cease and desist all communication and have this tradelines PERMANENTLY DELETED from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
on XX/XX/XXXX, I went to wells Fargo branch in XXXX, FL, to put an alert on my account to prevent frauds and for them to take extra precaution with Withdrawal because my driver 's license and wells fargo debit card were stolen on XX/XX/XXXX when someone broke my car window and stole my bag. That same day on XXXX, XXXX, XXXX, I called wells fargo and requested that my debit card to be cancelled and told them what had happened that the police found out that my car was broken into. However, on XX/XX/XXXX, a fraudulent withdraw of XXXX dollars was made on my checking account at one of Wells Fargo 's branch in XXXX Florida, on XXXX XXXX XXXX, XXXX, FL XXXX. 

when i found out on XX/XX/XXXX that a fraudulent withdraw was made on my checking account, i called the bank and explain the situation, they stated that it was unusual because i have an alert on the account, and there should have been extra steps of verification. I went to the branch that afternoon on XX/XX/XXXX to see a manager. they would not let me see a manager, but was told this should not have happened with your license because the alert clearly states that your drivers license was stolen and needed extra verification. 

on XX/XX/XXXX, Wells Fargo concluded that they will not reimburse me my money without proper investigation stating that my signature on file matches signature on the item in question, and a state issued ID, the stolen drivers license was used as identification in the transaction, therefore, i will not reimburse. 

I am filing a complaint against Wells Fargo for their negligence in handling my money and their lack of investigation in coming to a resolution, and in the process calling me a liar by stating that my signature matches my stolen ID, essentially telling me I made a false claim. I want Wells Fargo from now on, to do thourough investigation in instances like these, such as reviewing footages from their branches and to do proper background in people they are hiring to deal with people 's hard earned money. 

Above all, I want my money back with an apology for denying my claim without properly investigated the claim. I want Wells Fargo to be held accountable for how they handle my money and how they treated me. I have made several trips to the bank where the fraudulent transaction happened, spoke to several agents on the customer service lines with no results. I have yelled, screamed and highly stressed because of how wells fargo handled my case. I have been on the phone with the police more than i can count. I should not be the one investigating my case when this happened at the branch ; I frankly feel this is internal 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 monetary relief
Consumer complaint received 2021-03-03
Company: EQUIFAX, INC.
State: AZ
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: Problem with personal statement of dispute

Complaint:
Due to bad service in XXXX I closed all my Bank accounts with XXXX XXXX XXXX. I had 2 credit cards with them which they immediately reduced my available credit damaging my credit score from XXXX and reducing it to XXXX. 
I received two late payment reports for two separate XXXX XXXX XXXX credit cards in XX/XX/2020 : A personal XXXX XXXX  credit card and a business credit card. I wrote a letter to dispute these late payment reports in their entirety and to have them removed from my credit reports. During the periods of XX/XX/2020 XXXX I went through financial hardship due to Covid-19 and its restrictions. I was told by a XXXX  employee my credit card accounts can be signed into their credit card relief & Forbearance program ( Appendix B ) and that I can receive covered accommodation which I accepted. During this period all credit accounts were paid and current as outlined in 15 U.S.C. 1681s-2 ( a ) ( 1 ( F ) ( iii ). I was told that under XXXX accommodation program I could delay up to three payments on my personal or business credit cards since I had been affected by COVID-19. I was told during the relief period I would get : Statements showing no minimum payment due Refunded Late Fees No negative reports to credit agencies regarding late payments Still there was a mistake and were late payments were reported for both credit cards which is against XXXX  accommodation program and Terms and Conditions for credit cards in their accommodation program. XXXX Credit Card Terms & Conditions for Covid accommodations. I am reporting XXXX XXXX had a clerical or computer glitch/error in their system and that my accommodation was somehow not registered. I brought this error up to XXXX XXXX and was told to correct the issue with the credit reporting agencies as, according to their employee, they do not have a process in place to correct this errors once reported regarding Covid-19. Because of this I am requesting that all late payments reported by XXXX XXXX  in the month of XXXX be removed from my credit report and further request that any damage to credit which occurred by XXXX XXXX  decreasing my available credit be correctly reflected/noted, in written statement - to be an error and a mistake by XXXX XXXX  I paid off all my Chase credit cards but due to their reducing my available credit limit and retaliatory tactics to my choosing another bank as is a consumers right I was unable to qualify for another credit card despite having XXXX debt. I applied for credit cards and was denied further damaging my credit score. It fell from XXXX to XXXX because of this which I believe is all a single issue. XXXX damaged my credit and reputation due to my leaving their bank and credit agencies have been less than helpful in communication with me to correct this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: EQUIFAX, INC.
State: NC
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:
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.

has violated my rights. Or 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 2023-01-20
Company: Experian Information Solutions Inc.
State: MA
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 bellow has violated my federally protected consumer rights to privacy and confidentiality under 15 USC1681. 

XXXX  Account number : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and 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. A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) 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 crime 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 explanation
Consumer complaint received 2022-02-08
Company: EQUIFAX, INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX / XXXX / {$1700.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have made multiple disputes to have a bankruptcy file from XXXX removed from my credit report. The 4 credit bureaus/ reporting agencies XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX have reported this information : U.S. BANKRUPTCY COURT XXXX XXXX CASE ID # XXXX Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX IN XXXX Phone : XXXX Type : :XXXX XXXX BANKRUPTCY XXXX Date Updated : XX/XX/XXXX Date Filed : XX/XX/XXXX Court Type : US Bankruptcy Court Date Updated : XX/XX/XXXX Date Paid : XX/XX/XXXX These credit bureaus/reporting agencies are privately owned companies and have collected and posted my data without my knowledge or permission. I have reached out to the U.S. Bankruptcy Court about this issue and they responded as such, " the court does not provide any information directly to third-party information gatherers. " ( See attachment documentation ) I supplied this information to the reporting agencies and they still refuse to remove this information. In accordance with the Fair Credit Reporting Act, Section 1681 ( a ) ( 5 ), any case, civil or otherwise dismissed, no longer exists in the eyes of the law, and therefore the credit reporting agencies have no right to maintain this information which the government has deemed non-existent on my report. It is only causing harm to my person to obtain employment and better housing by lowering my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Charged incorrect fees. Teller taking money & not returning it.

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 2023-10-07
Company: Experian Information Solutions Inc.
State: IL
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX XXXXXXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX Balance : {$500.00} XXXXXXXX XXXX  XXXX Balance : {$1900.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$6700.00} XXXX XXXX XXXX  ( XXXX XXXXXXXX XXXX  ) XXXX Balance : {$270.00} XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1500.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$870.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$480.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1200.00} XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.

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 2023-06-14
Company: Knight Adjustment Bureau
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Dear Consumer Financial Protection Bureau, I am writing to file a complaint regarding a debt collection issue. I recently paid off a debt to a collection agency in full, but the collection has not been removed from my credit report. When I contacted the original creditor, they informed me that it was up to the collection agency to remove the item from my credit report. However, when I contacted the collection agency, they informed me that it was up to the original creditor.

This situation is causing extreme frustration and creating a headache for me as I am in the process of trying to make other large purchases and my ability to do so is being hampered by the negative impact on my credit report caused by this unresolved issue.

I understand that the Fair Credit Reporting Act ( FCRA ) requires that credit reporting agencies must remove debts from a consumer 's credit report once they are paid in full. The fact that this debt has not been removed after being paid in full is a violation of this law and I am seeking support from the CFPB in addressing this matter.

Please investigate this issue and take appropriate action to ensure that this negative item is removed from my credit report as soon as possible.

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
XXXX asked all XXXX credit bureaus to all inquiries from my credit report because I did not give any written authorization for any company to run my credit report list above. 
XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, I have a right to privacy under the FCRA Law.

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 2019-12-20
Company: Jon Barry and Associates, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was XXXX in XX/XX/2017 by XXXX county sheriff 's department in Georgia when I was they're under the care of XXXX county they had to transport me to XXXX XXXX  for further evaluation for medical issues. I remained in XXXX  until XX/XX/2017 therefore I am not responsible for these medical bills occurred during these times therefore they should have been billed to XXXX county sheriff 's department and not me personally I'm the only one out of other six XXXX that were taken that got bills personally the other ones were billed to the county and I am not financially responsible for this.

Company response to consumer: Closed with explanation