BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-05
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:
Hello, I am asking you to check the items appeared in my credit report because those accounts are not mine. I am attaching accounts in this report for you to reinvestigate. 
I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. 

Is it possible someone forged my name, or that you have confused me with someone else? Please check for me. 
If you have any questions I would be happy to help. But because these are not mine, please remove them from my credit as soon as possible!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-08
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Ive been a victim of identity theft someone got hold of my information and run up my cards and when I contacted the company they said they would take care of it but didnt and its still on my credit report negative which is not fair to me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: EQUIFAX, INC.
State: IL
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:
To Whom It XXXX Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-20
Company: Experian Information Solutions 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:
This is my follow-up complaint regarding the items that are reported in my credit report that are erroneous. In my previous complaint dated XX/XX/2023, I disputed these Items : XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX ... Balance : {$1000.00} XXXX XXXX XXXX XXXX Balance : {$360.00} Please Block them because the listed addresses are not my correct address, The accounts are inaccurate and fraudulent. Im seeking Litigation. Please delete them at once.

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 2021-01-05
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:
Hello, I am asking you to check the items appeared in my credit report because those accounts are not mine. I am attaching accounts in this report for you to reinvestigate. 
I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. 

Is it possible someone forged my name, or that you have confused me with someone else? Please check for me. 
If you have any questions I would be happy to help. But because these are not mine, please remove them from my credit as soon as possible!

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 2022-10-11
Company: Mercedes Benz Financial Services
State: CT
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:
During car shopping @ Mercedes Benz. There are 2 hard inquiries from the same day. How is that fair?! System is XXXX up

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have exhausted the consumer resources available and request the assistance of the CFPB in resolving fraudulent, unethical, and criminal intent in credit reporting. 

Midland Credit Management, despite receipt of evidence from XXXX, a national credit bureau, that these accounts are invalid -- continues to illegally report to the credit bureaus the false accounts which were the subject of a previous CFPB complaint. In their response to the CFPB grievance filed previously regarding these accounts, Midland Credit Management responded, thumbing their nose at the CFPB -- that they would continue reporting the debt, despite the evidence provided. Midland Credit Management stated that they would cease trying to collect, yet Midland Credit Management is operating illegally and arguably with criminal intent by continuing to report these debts to the credit reporting agencies. This type of predatory collection and character assassination is the very reason for the creation of the CFPB. 

I disputed this debt in XX/XX/2020 with XXXX  , XXXX and after an investigation, the credit bureau concluded that these accounts were incorrect, and it sent notification to Midland Credit Management to cease reporting and trying to collect the erroneous account information. Despite notification and removal of the errors by XXXX, XXXX, Midland Credit Management has continued to report the erroneous information to credit bureaus, and continued to operate in violation of the Fair Credit Reporting Act, 611.5Ai. 

MCM Account numbers : XXXX, XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This is the second time reaching out to your company requesting you to validate this alleged debt. Please note that I DO NOT WANT A VERIFICATION, but a VALIDATION of this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: Robinson, Reagan and Young PLLC
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:
XXXX. XXXX, 2016 ( 6 yrs ) Account status Open Remarks Consumer disputes this account information Original Creditor Name XXXX XXXX {$550.00} Closed No Info

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: TMX Finance LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Struggling to pay your loan

Complaint:
My first complaint was XXXX made by myself XXXX XXXX XXXX XXXX The company Title Max located in XXXX, Texas based out of XXXX Georgia. They have given me until XXXX XX/XX/XXXX to come up with XXXX for a settlement. Currently, I have paid this company XXXX on a loan that was taken out for XXXX in XX/XX/XXXX. My truck is only worth XXXX dollars and I feel very foolish for doing this kind of loan. The first response to my first compliant seems to be a stall tactic to get more money from me. I'm at wits end and don't know what to do if they try to repo or steal my truck from my property. Retired and XXXX XXXX XXXX Veteran, I thought we are covered under the Military Lending Act from deceptive, misleading, bait and switch tactics, high interest rates on all loans. This company has been fined numerous times and still doing this to American citizens. I served my country for 24 years for equal rights and justice for all not this kind of nonsense. I will never give up XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05
Company: AmeriHome Mortgage Company, LLC
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I had applied for forbearance through my Amerihome morgage. After I was sent a letter saying it was approved. In these days, I got a letter saying it was cancelled because of me when I did not cancel it. It was for 3 months for the amount of about {$4500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Hi XXXX  has shop around my credit report to five different banks without my approval. This happened on XX/XX/XXXX, XXXX.In addition, I have try to resolved the problem by sending letters but receive no correction to the matter. I'm sending two different screenshots from bureaus ... XXXX  has 5 inquiries and 6 on XXXX  report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23
Company: Experian Information Solutions Inc.
State: NC
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:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. 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.

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 2023-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
CHARGE OFF REMOVAL XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX To whom it may concern : As you know it is against the law to report any inaccurate information. 
The IRS defines a charge off as : gross or ordinary income- so how is this reporting as debt on my consumer report. There are 2 inaccuracies on my consumer report ; XXXX XXXX  and XXXX XXXX that you are reporting unlawfully. 

You are in violation of 15 USC 1681- accuracy and fairness of credit reporting ; ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Furthermore, you are in violation of 15 USC 1681b - Permissible purposes of consumer reports which states : any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. - I have NEVER given you written instructions to report this on my consumer report. 

You are in violation of 15 USC 6801 : Obligations with respect to disclosures of personal information. You were supposed to PROTECT my information, instead you unlawfully reported inaccuracies. 

You are in violation 15 USC 6802 - There were three ( 3 ) disclosures that you were legally supposed to provide me with that you did not. I was not provided with any of these disclosures. 
1. You were supposed to inform me if you were going to report anything on my consumer report, which you did not. 
2. You were supposed to provide me with a way to opt out, which you did not 3. You were supposed to inform me how to exercise my right to opt out and what steps to take to not report on my behalf, which you did not. 

There are multiple federal violations here. 
I demand this charge off to be permanently deleted from my consumer report, immediately

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 2023-03-18
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: Reporting company used your report improperly

Complaint:
in accordance with the Fair Credit Reporting act Account name : XXXXXXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX  Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : 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 2022-04-07
Company: WELLS FARGO & COMPANY
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I keep finding documents and extra bank cards from Wells Fargo. These statements are showing I am making payments, but the payment was not applied to the account. Example is I was getting paid every two weeks and would send XXXX XXXX XXXX a minimum of {$200.00} every pay. A friend of mine works at XXXX XXXX and I asked her to look into my account history. She said I had made 10 payments and never late. I sent her a list of payments I was showing from the bank statements which included 12 payments that I found. I was missing XX/XX/XXXX bank statement and XX/XX/XXXX bank statement ... the numbers obviously don't match. 

I also found lastnight that I bounced a check to XXXX XXXX XXXX for XX/XX/XXXX rent. Not only was I not aware I bounced but they covered it somehow. Im not sure if they are creating bank cards or how it is being done but I was using XXXX XXXX provided by XXXX. I found a statement and it looks like they were funneling money through this account. I remember I was struggling at the time but this statement claims I had over {$7000.00} I am at a library because everything i have is compromised. Please make this stop I also need the charges related to XXXX XXXX investigated. I dont use it, nor have I ever. 

My student loans are also in need of investigation. I didnt receive those funds. I received a portion but I know I didnt get what is claimed.

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 2019-03-19
Company: CITIBANK, N.A.
State: OR
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Had previous issues with NOT receiving billings, not being notified issue with my account and payments paid not being taken out as keyed in. Had to pay XXXX XXXX  account on XX/XX/XXXX via registering my bank account and keyed in payment of {$53.00}, so that I could pay account in full by XX/XX/XXXX ( equal payments for three months ). However, wasn't notified that payment NEVER went thru, until received email saying check my statement today, XX/XX/XXXX. Saw, when finally go into account online, that I was being charged {$27.00} late fee. Called Macy 's and was told wouldn't reverse fee per supervisor. Asked again as issue was with THEIR system not taking the payment out I designated and had to register for. Then told supervisor would only allow {$14.00} to be reversed. Stated needed to speak with someone to contest this as I was NOT responsible for their system issue. I did everything I was supposed to to set up the payment and that I HAD paid as I have a checks and balances system, so that when a payment is made I check it off, and it showed on my calendar that the payment was made. The supervisor then got on the phone line and stated we were being recorded for COLLECTIONS!!! So I am contesting the {$27.00} late fee, and any negative statements sent by Macy 's to the credit reporting bureau. I wish this to be looked into and the fee reversed and any derogatory remarks removed from my credit report, as the statement says I have till XX/XX/XXXX to make a payment.

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 2023-09-23
Company: Experian Information Solutions Inc.
State: NY
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'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 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 2023-02-20
Company: EQUIFAX, 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:
In my previous complaint dated XX/XX/2023, I sent a complaint regarding the Accounts that are erroneous and misleading in my file. Please block and remove these accounts : XXXX XXXX XXXX Balance : {$930.00} XXXX XXXX XXXX Balance : {$900.00} XXXX XXXX XXXX XXXX : {$1300.00} XXXX XXXX XXXX : {$550.00} XXXX XXXX XXXX balance : - XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$220.00} These accounts are inaccurate and fraudulent. Im seeking Litigation. Please delete them at once.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Hi, I am complaining about a dispute case I filed with Barclays and the bank 's inability to resolve my disputes after a year despite my repeated calls and report. The amount total is {$1600.00}, which is a huge amount of money! 

I traveled with my Barclays credit card to XXXX in XX/XX/XXXX and my credit card was lost at the airport right before my flight back to XXXX. During my flight back, the following fraudulent transactions appeared on my account. 

XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX CASES XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX - XX/XX/XXXXXXXX ( This was the only transaction that was solved ) I called Barclays immediately on XX/XX/XXXX after I completed my flight reporting the fraud activities and asked them to dispute these transactions. They have to be fraudulent because I was on a plane when these transactions happened. There was no resolution until now after a year of repeated calls. 

After I called on XX/XX/XXXX, I waited for some time and still didn't see the transactions disputed. To protect my credit score, I paid for my statement balance and hoping they will be returned to me one day. But only 1 transaction was disputed (XX/XX/XXXX XXXX ) afterwards. I don't remember when exactly it was disputed. But the remaining balance is still outstanding. I called in XX/XX/XXXX again and was told to wait for up to 90 days. And on XX/XX/XXXX, when it hits the 90-day mark, I called again and was given a case number XXXX, and then nothing happened. I recently called once again on XX/XX/XXXX, and was given a new case number XXXX. Nothing happened until now. 

I need to get my in total of {$1600.00} back ... please help.

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 2021-04-06
Company: ALLY FINANCIAL 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:
This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.

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