BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-01
Company: ALLY FINANCIAL INC.
State: NJ
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've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 130 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-08
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30
Company: CURO Intermediate Holdings
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I got a XXXX loan from speedy cash in XXXX at the moment when I was signing the contract the person giving me the loan stated the contract would be sent threw email did not explain much of the loan I took the loan with out the knowledge of I had to pay back about over {$10000.00} back for a loan that was only XXXX i belive in there end I owe them about XXXX I made my payment on time and more than what I borrowed and there apr was about 135 %

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
We just closed on a VA Mortgage loan ( $ XXXX ) with XXXX XXXX  XXXX on XXXX XX/XX/2019 who immediately transferred our loan to XXXX XXXX XXXX ( XXXX XXXX ), see attachments. We were notified about this transfer via letter from XXXX XXXX on XXXX XXXX and XXXX XXXX also provided evidence of the servicing transfer. Around the exact same time, we started receiving vague notices from XXXX XXXX XXXX XXXX ( based in XXXX XXXX or XXXX ),  without them ever being mentioned by XXXX XXXX  our original servicer, which made our new homeownership a little confusing on who to pay. However, I contacted XXXX and XXXX XXXX to confirm the account transfer and set-up. I also contacted XXXX to understand why they were sending me billing notifications, all of which at first alluded to an incomplete loan number/account. When you call their primary customer service number ( XXXX ), their automated system is surprisingly sophisticated and it continuously asks for an account number ( which I don't fully have per their correspondence ) or your for your Social Security number. The latter I did not provide. After about 10-15 minutes of the system routing you in circles, you finally get transferred to a half-asleep, unprofessional attendant that asks for the same info. The only information I provided was an address and she stated I did not have an account. 

But my real problem is that XXXX XXXX XXXX has posted a duplicate mortgage for an outstanding amount of $ XXXX on my credit report and continues to send me fraudulent billing notifications. I need immediate help to resolve this problem and fix my credit report before they destroy my score. 

Info : XXXX XXXX XXXX XXXX, sub servicing by XXXX XXXX XXXX XXXX XXXX  XXXX, VA XXXX Collections ( XXXX ) XXXX Other agent number ( 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 2023-01-22
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I was just looking over my credit report and found some addresses that appear to be incorrect. I've enclosed documentation, providing proof of my current address as instructed on your website. To make your process of deletion easier, here is a list of the incorrect addresses that I am currently seeing listed ( which I would like removed please ) : Previous / Incorrect Addresses 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 There should only be XXXX address listed on my report, which is XXXX XXXX XXXX # XXXX XXXX XXXXXXXX XXXX XXXXXXXX. 

I also noticed that my name appears to be misspelled on my credit report. My name only has XXXX correct spelling, and there should be no variations listed because my name has no variations. Please refer to the attached documentation for the correct spelling of my name as well. Once again, in order to make the process of deletion easier, here are the incorrect spellings I see listed : Incorrect Names XXXX XXXX XXXX XXXX XXXX XXXX There should only be XXXX address listed on my report, which is XXXX XXXX XXXX ( Not in all capital letters, I am not a corporation, I am a living human ) Please remove inaccurate employers as well as listed below : XXXX XXXX XXXX XXXX  Once you have deleted the inaccurate names and addresses from my credit report, please send me a copy of my updated report

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 2021-06-30
Company: Navient Solutions, LLC.
State: MS
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Struggling to pay your loan

Complaint:
The loan payment was at XXXX a month. I am a single mom if XXXX and without a second job and still was denied for hardship or a good reduction of per month payment and interest rate. It was only reduced by half. XXXX a month. I only make XXXX before tax a year. I dont have a car note but I do have rent, light, water, car insurance, loans, credit cards, school expenses, health insurance, rental insurance, food, and household expenses. I dont get government assistant.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14
Company: Bread Financial Holdings, Inc.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid my balance in full on three separate occasions and they continue to bill me for a XXXX balance. The balance was paid in full in XX/XX/XXXX. This is with a Victoria Secrets credit card with Comenity Bank card that I havent used since XXXX of XXXX. I called the company and I was told my balance was {$24.00}, so I paid it. I checked my account and I had another balance of {$11.00}. I paid the balance in full. I have been paying cash for my purchases instead of using the card, because of so many problems. They keep billing me on a XXXX balance. I received a call today ( XX/XX/XXXX ) stating that they sent a balance to collections for {$40.00}. I checked my balance and it went from {$0.00} to {$73.00}. These are unethical practices. How can you charge someone on a XXXX balance? They sent me an email stating that they was closing account because of inactivity.. I should not have to be pressured to use a card, but Im okay with them closing the account. I do not want to do business with a company that use these types of unethical practices.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-18
Company: ENCORE CAPITAL GROUP INC.
State: KS
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
HELLO MY NAME IS XXXX XXXX AND THIS IS MY SECOND ATTEMPT ON TRYING TO RESOLVE THIS MATTER WITH MIDLAND CREDIT MANAGEMENT. PLEASE READ THE FOLLOWING NOTICE THOROUGHLY AND CAREFULLY BEFORE RESPONDING. IT IS A NOTICE. IT INFORMS YOU. IT MEANS WHAT IT SAYS. FOR THESE REASONS IT IS RECOMMENDED THAT YOU CAREFULLY CONSIDER THIS NOTICE AND RESPOND IN SUBSTANCE, WHICH MEANS ACTUALLY ADDRESSING THE POINTS RAISED HEREIN.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: EQUIFAX, INC.
State: WI
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 submitted a dispute to Equifax which mistakenly has the wrong spelling of my name. This is not my name. My name is not XXXX. They asked for evidence, I included images of my driver 's license ( attached ). They denied my claim, because they said I hadn't submitted evidence. I contacted them and told them I had submitted the evidence. They found it and said they would get back to me. They maintained the dispute anyway. I have no accounts in the name XXXX anywhere because this is not my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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've contacted the three credit bureaus between XX/XX/2022 to present date in response to their reporting tactics and my reporting issues had not been resolved. Inaccurate late payments and and a charge off on my accounts with the three credit bureaus have been address to the credit agencies, but no action has taken place to correct the issue. Ive also taken several steps to reach out to the company reporting the information to the credit bureaus and have not gotten any response. 


15 U.S.C. 1681 section 602 A states I have a right to privacy. 

15 U.S.C 1681 604 A section 2 : It also stated a consumer reporting agency can not furnish an 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 explanation
Consumer complaint received 2023-11-06
Company: EQUIFAX, INC.
State: TX
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 not associated with these creditors, and I did not initiate this inquiry. Kindly proceed to remove it from my credit report without delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-22
Company: WELLS FARGO & COMPANY
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
When filed for bankruptcy 7 years ago Wells Fargo didn't send back there paper work and now my payments are not being shown on my credit report. We were not filing against the house just our credit cards. We tried settling this before through Wells Fargo and they said they couldn't help us and it was our fault that they didn't get the papers in.

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: HYUNDAI CAPITAL AMERICA
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
KIA Finance America removed closed account from one credit bureau XXXX, but did not remove from credit bureaus XXXX and XXXX as required between XX/XX/2022 and XX/XX/2022.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: Sequium Asset Solutions, LLC
State: AR
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A couple of months ago I received correspondence from Sequium Asset Solutions regarding a debt that doesn't belong to me. I sent Sequium Asset Solutions a sworn affidavit via mail validating and supporting my claim. Currently, Sequium Asset Solutions continues to violate the FDCPA and FCRA laws by reporting and violating HIPPA regulation laws regarding the collection of Medical Debt and attempting to collect on debt for fraud victims. This clearly has caused and financial burden by causing premature credit denials.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To Whom this may concern, I am not responsible of those accounts. I am a victim of ID theft. People have use my information to open them and also make fraudulent activities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I am writing to file a complaint against XXXX XXXX XXXX for continuing to pursue a debt that I have already been released from. On XX/XX/2019, I received a garnishment release letter from your company, which stated that I was released from any liability for the debt in question. 

Despite this letter, your company has continued to report inaccuracies on my credit report, contacted me regarding the debt, and has even threatened legal action if I do not pay it. This is unacceptable and goes against the terms of the garnishment release letter. 

I demand that XXXX XXXX XXXX immediately cease all attempts to collect this debt from me, as I have been released from any liability. Furthermore, I expect an apology for the stress and anxiety that your continued attempts to collect this debt have caused me. 

If I receive any further communication regarding this matter, or if there is any negative impact on my credit score as a result of your actions, I will take appropriate legal action against your 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 non-monetary relief
Consumer complaint received 2021-07-01
Company: Winklevoss Exchange LLC
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
I Provided ALL THE INFO AND DOCUMENTS REQUIRED FOR MY IDENTITY VERIFICATION, yet my : " Identity Verification is currently being reviewed '' NOBODY is looking at the ID I uploaded to simply confirm my Identity. 

This is causing your system to ask for a wire transfer ( which is used for bank ownership verification in those instance were the customers is unable or choose NOT TO use your Instant PLAID verification system ). 

I SUCCESSFULLY USED PLAID as Bank Verification System and AS your systems tells me I am CLEARED for ACH transfers to/from that account ... ....

I can not indeed proceed because my " Identity Verification is currently being reviewed '' which causes your system to wrongfully think I need to complete the MANUAL bank verification OVER WIRE. 

I COMPLETED The AUTOMATED Bank verification Over PLAID and that WAS A SUCCESS. 

YOU DIDN'T CLEAR MY ID ( nobody looked at the uploaded ID ). 

READ BEFORE ANSWERING other Absusrdities! 

I AM NOT ASKING FOR HELP TO VERIFY MY BANK, THAT I DID OVER PLAID I AM ASKING YOU TO WORK MY ID DOCUMENT IN your system and complete the review OF MY IDENTITY VERIFICATION - NOT MY BANK VERIFICATION THIS IS NOT ABOUT BANK VERIFICATION THIS IS ABOUT IDENTITY VERIFICATION - check and approve the UPLOADED ID!! 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: EQUIFAX, INC.
State: TX
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 implore you to conduct a comprehensive investigation into this issue and promptly correct this mistake. Your swift response to this matter is highly valued and appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-22
Company: Resurgent Capital Services L.P.
State: NJ
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Dear Madam/Sir, CFPB : This matter is in regards to an unknown amount of money that this debt collector wants me to pay. I do not recognize where this amount comes from, and I have no knowledge of it. This Debt collector is braking Federal Laws in regards to impose to collect something that does not belongs to me. I will need legal information on this unknown matter. Trying to collect money from me, and I have no knowledge of this unknown debt. Also the name on this letter dated, XX/XX/2023, does not match my legal name. This debt collector writes a big amount of money to be paid to them. I can not pay anything to some body that is trying to collect money that I do not owe. Thank you very much for your anticipated courtesy and cooperation in this important matter. Respectfully yours XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-22
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
My Checking Account and XXXX Account were wrongfully Charges and Closed without explanation. Nor did I get the chance to fix any issues at hand. I had over {$500.00} in my XXXX Account and XXXX in my Checking. They were all charged and put into the Negative which resulted in my account being closed. I never did go over in my bank nor did I close it. I was never given an explanation or a chance to fix the issue. I been having problems ever since. I just want my money back that was wrongfully took from me.

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 2023-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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. XXXX is reporting inaccurately and publishing my NON PUBLIC INFORMATION to non affiliated third parties. please see attached

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 2021-03-14
Company: CL Holdings LLC
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
To whom it may concern, im writing you today in regards to this incorrect Jefferson capital account that's hurting my credit report. Account number XXXX. I have reached out to them numerous times to resolve this matter but to no avail. I will show you evidence that the account amount is incorrect there for should be removed from my credit report by following the fair cares act.

Company response to consumer: Closed with explanation