BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-05-23
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
Midland Credit Management Inc ACCOUNT NUMBERs : XXXX OR XXXX XXXX/XXXX/XXXX FAX # ( XXXX ) XXXX Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify Midland Credit Management Inc or any company associate with this account # XXXX OR XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : Midland Credit Management Inc or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04
Company: BB&T CORPORATION
State: NC
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:
OK so I have file to complain and try to get paperwork seeing where I supposedly applied for some kind of XXXX thing Im asking again for documentation with my signature on it that I have signed to apply for this I have never even been to this company or seen this company

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 2023-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2021-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, 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 explanation
Consumer complaint received 2023-09-14
Company: Experian Information Solutions Inc.
State: CA
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 am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX  XXXX  XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2023-08-31
Company: Experian Information Solutions Inc.
State: MO
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 filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2021-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I have been contacting these companies since XX/XX/XXXX!! I have not received not ONE letter or ANY updates on my credit report. There are duplicate accounts reporting along with inaccuracies across my entire credit report. I was lenient and sent them another letter and still NOTHING. 

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated please find attached. 

They need to be removed because at this point its been over 60 days since I sent them letters to investigate and nothing has happened and nothing was verified.

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 2023-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.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 2019-07-06
Company: Global Lending Services LLC
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
I have been in this auto loans deal since around XX/XX/XXXX ( estimated ) I was to give a XXXX  down payment deal completed. I signed the paperwork agreed with the term received my first date to make a payment nothing misleading from the dealership. Im calling the bank to make a payment the bank tells me there is nothing on file. I call the dealership the bank then tells them they need more of my information or the dealership will not receive payment. I spoken to the was again told to call the dealership at that point I was told they had to resubmit it again to the and the need my same information again in which I leave my Job early to resubmit the documents a second time and sign another contract with another payment date. I called the bank on XX/XX/19 to confirm my information and was told that I should be receiving my welcome letter in the mail and I was all set, So now again we are in XX/XX/XXXXafter I spoken to the bank. they ( the bank ) telling the dealership that I have to submit more and more and more of my information or they will not pay for the car and I would have to bring the car back. I seems every month or week that are asking for more more information relating to the same documents. Its never ending and on going so this situation has been lasting since XX/XX/2019 to present. Now they are telling even thought they have my paystub proof of my job depositing my paycheck into my bank account even though they have my paystubs, ssi award letter now they also asking for that proof of ssi deposit again. 
I am a single mother whom has severely XXXX  children as well as an elderly sickly mother who Im a XXXX XXXX  also this is causing stress on our family ...

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: Block, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
CashApp is horrible in their security and support. I have had this issue of fraudulent attempts on my account for MONTHS now. 


The answer? 


BUY ANOTHER CARD even though the attempts on my account ARE NOT ON MY CURRENT CARD... THEY ARE ON AN OLD CARD THAT I HAVE NOT USED IN YEARS!!! 

Their level of support is horrendous, and the ONLY REASON I haven't been charged is because I always have my card locked because I know how horrible CashApp is ( and their support online ). 


I have screenshots upon screenshots of attempts to take XXXX here, XXXX cents there ... and even {$5.00} and change at one point. THIS IS THE SAME COMPANY THAT WANTED ME TO USE THEM FOR DIRECT DEPOSIT?!?! WHY?!?!? So I can have my money unsecured???? 


CHANGING MY CARD WOULD NOT FIX THIS ... AND WHY WOULD I HAVE TO PAY TO CHANGE MY CARD ANYWAY???? 


THEIR COMPANY IS XXXX XXXX XXXX  use it as a XXXX XXXX.. that is it and that is all. 


They have no REAL support... just humans acting as robots giving a script that has NOTHING to do with fixing my issue. 


CASHAPP IS ALLOWING FRAUD TO RUN RAMPANT WITH NO SOLUTION. When I 1st notified them, I wanted them to be aware of it and bring it up to a security team or upper management... the rep said " since no cash has been taken out, there is nothing to do '' ... 2 to 3 months later and I am still having attempts on my account ( not card because it is a different card number ) and they still refuse to look into the matter. They just keep sending the same scripts about locking my card or BUYING another card to replace this one ( even though once again it isn't even the card number they are using to get to my account ). 

I have spoken to MULTIPLE representatives and they all spew out the same script ... the preset responses they have which are the same verbage but yet has no solution to what I was telling them my issue was ... which was to bring this up to the security/fraud department and upper management.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: State Collection Service, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent a certified letter and XXXX by regular mail requesting information on this debt. I also asked for proof of their authority to collect this debt and their license and bonding required to collect debts in Florida from a Florida  resident.. The return receipt shows they received the letter on XX/XX/2023. 

XX/XX/202XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX  XXXX RE : Collection on my Credit File Account Number : XXXX Amount : {$500.00} Account Number : XXXX Amount : {$1700.00} The {$500.00} collection was removed ; the {$1700.00} remains and no response from the collection agency. 

Since I never received anything about this debt, I sent a second letter stating I had no knowledge of this account or debt, never was at the hospital and asked them to remove it. No response since through XXXX. I also called XXXX and was put on hold and disconnected.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-16
Company: Fidelity National Financial, Inc
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Fidelity National Title Insurance Co. Close Date : XX/XX/2005 Buyer : XXXX XXXX and XXXX XXXX, XXXX Seller : XXXX XXXX, XXXX There are two Incoming Wire Reports that have no account information and no traceable history of where the funds originated from. We have the complete escrow file but these two transfers do not include Bank Routing, ABA Number, Account Numbers, Transaction Summary, Withdrawal Slip or Bank Deposit Slip. The first wire was {$280000.00}. We subpoenaed the bank accounts going out of the purchaser 's account and into the escrow account, but a transfer of funds are not present in either bank accounts. The second wire was for {$560000.00} We subpoenaed the XXXX of the company that supposedly sent the wire and their records say a check/wire for {$560000.00} was sent to escrow. The XXXX and the incoming wire report from the escrow file don't match nor is there any history of where the money comes from. The subpoenaed bank account for the escrow account does not show that {$560000.00} was deposited into the escrow bank account. The escrow co. provided a hand written note on the incoming wire report " {$560000.00} Lender/XXXX XXXX '' but this is not the correct deposit name and amount according to QuickBook details. We have written numerous emails to the escrow co. requesting the history of these two deposits but unfortunately no documentation has been provided. The escrow company claims no traceable history for these deposits because they were in-house Book Transfers / XXXX to XXXX. Our deposit of {$280000.00} was transferred to the escrow bank account and it was also an in-house Book Transfer / XXXX to XXXX the escrow file contains the Transaction Summary, Account numbers, Withdrawal slip and Deposit slip. Why wouldn't the other two Book Transfers include the same details as our Book Transfer? The Arizona Department of Financial Institutions recommended that we file this complaint. They have also requested the escrow co. to provide the account details for these two deposits. The amount in question is {$840000.00} or {$840000.00} ( depending on which total you use ) without any traceable history of where the funds originated from.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
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: Investigation took more than 30 days

Complaint:
Experian is in violation of 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general ( f ) ( g ) ... ..conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day In addition, Experian is violating my rights as a US Citizen according to 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting

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 2022-11-28
Company: EQUIFAX, INC.
State: TN
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: Experian Information Solutions Inc.
State: AL
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:
From XX/XX/2023 to XX/XX/2023, the company ran my credit report 4 times and the original terms were changed.

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 2023-10-23
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:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account XXXX : XXXX Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2022-11-28
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have XXXX fraudulent accounts listed on my credit report. I have listed them and also the police report XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12
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: Account information incorrect

Complaint:
XXXX XXXX XXXX and Transunion should not be reporting each Inquiry showing on my credit report for Auto Financing as a separate line item. ( Please see page attached from my credit report. ) These multiple inquiries are well within the ( 14 45 plus ) days that is typically allowed to check different lenders and find the best loans. These inquiries are all like kind and therefore should only be reporting as ( 1 ) individual line item. They are not separate, individual entities. This reporting of multiple inquiries is seriously harming my credit score and these additional line items need to be removed and report only ( 1 ) inquiry. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to fix this however, I have not been successful.

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