BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-23
Company: WELLS FARGO & COMPANY
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This was fraudulent. I was left an automated voicemail saying they were trying to resolve a civil dispute. I called the number. A woman asked me to verify my identity and I refused because I suspected it was a scam. She transferred me to a " XXXX XXXX, '' who informed me he worked for " XXXX XXXX '' and was attempting to collect a debt. He said it was on a Wells Fargo account that was closed out in XXXX. I told him I hadn't banked with Wells Fargo in seventeen years or so ( I realize now it's more like 14 years ). He said I owed over XXXX XXXX dollars and if I didn't pay I would be flagged and I wouldn't be able to use a debit card for five years. He tried to confirm my address. He read me two addresses, one from XXXX and one from XXXX. He also read me all nine digits of my social security number. He also said the last four digits of an account number ; i think it was the correct digits to my old XXXX Wells Fargo checking account but I can't be sure. I repeatedly asked him for a phone number to any government agency that could verify this was a legitimate debt collection. He wouldn't give me one, but said he'd send relevant info to my email if I gave him my email. I refused to give him any more information because it seemed like he was a fraudster. I continued to ask for the number of a government representative who could verify the legitimacy of the collection attempt. He refused to provide me this. 

I think a fraudulent criminal organization has my social security information as well as other personal details. I'm very concerned. Please help me. I looked online and found multiple people had the same experience ( company named XXXX XXXX attempting to collect on long closed bank accounts ( usually Wells Fargo ), sometimes via a representative named XXXX XXXX ). 

I froze my XXXX and XXXX credit ; I'm going to freeze XXXX next, but there's a holdup. I'm trying to get it done this afternoon.

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 2017-03-26
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have sent proof of identity theft to the XXXX credit bureaus they have not acknowledged the information or removed any of the accounts. I have done this on 4 occasions in the last year, i have gotten a police report, ftc affidavit, and requested the bureaus to send me proof of these items that they are saying i recieved gainfully. I do not know what else to do at this point. I have done everything that was requested and they will not remove the items

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 2020-04-03
Company: Experian Information Solutions Inc.
State: GA
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:
On the existing account ending in XXXX with XXXX  XXXX XXXX for the amount {$1700.00}. I tried several times reporting the issue that this account does not belong to me. The account doesnt not even have the correct spelling of my name and doesnt have the correct phone number.

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 2017-02-27
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report shared with employer w/o consent

Complaint:
A record of my Bankruptcy must be erased. My Bankruptcy was submitted in XX/XX/XXXX, and discharged in XX/XX/XXXX. For XXXX years the record has been maintained on my credit sabotaging my attempts to obtain a loan. It is time to erase the Bankruptcy from my credit file.

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 2019-09-09
Company: Experian Information Solutions 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:
XXXX  ; Experian and XXXX  are incorrectly reporting a charge-off collection in the amount of {$16000.00} on the XXXX XXXX/XXXX/XXXX XXXX XXXX - account number XXXX. ( Please see page attached from my credit report. ) Per agreement from XXXX XXXX XXXX, the vehicle was sold at auction and sold for more than the balance owed so consequently, there is not outstanding balance due and owing and therefore nothing to charge-off. This incorrect reporting of a charge-off collection is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these items 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
Consumer complaint received 2023-09-12
Company: Self Financial Inc.
State: TX
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:
The address they have listed for account is a state office in XXXX I do not reside in XXXX they did not provide audit trail or debt validation and inaccuracies reported on consumer report

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-01
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Previously removed inquires however some of them are still reporting, and there are some duplicates as well for the same dates. I also have a fraud alert on all XXXX bureau and inquiries are still being fraudulently made. I have tried to have them removed, but Equifax will not validate. I would for them to remove the following inquiries, or provide me proof of who validated the inquiries, and how it was validated. 
XXXX- XX/XX/XXXX,XX/XX/XXXX Duplicate- XXXX-XX/XX/XXXX,XX/XX/XXXX XXXX Date of Inquiry : XX/XX/XXXX, XX/XX/XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX Date of Inquiry : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX Date of Inquiry : XX/XX/XXXX, XX/XX/XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX Date of Inquiry : XX/XX/XXXX, XX/XX/XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX Date of Inquiry : XX/XX/XXXX, XX/XX/XXXX XXXX. : : Date of Inquiry : XX/XX/XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX Date of Inquiry : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX Date of Inquiry : XX/XX/XXXX, XX/XX/XXXX XXXX : : Date of Inquiry : XX/XX/XXXX, XX/XX/XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX : : Date of Inquiry : XX/XX/XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX Date of Inquiry : XX/XX/XXXX, XX/XX/XXXX XXXX : : Date of Inquiry : XX/XX/XXXX XXXX Date of Inquiry : XX/XX/XXXX, XX/XX/XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX Date of Inquiry : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX Date of Inquiry : XX/XX/XXXX, XX/XX/XXXX XXXX Date of Inquiry : XX/XX/XXXX, XX/XX/XXXX Company Information : XXXX Date of Inquiry:XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Equifax continues to report a negative account ( XXXX XXXX ) on my credit report for which I was only an authorized user ; I had no payment responsibility on this account and it should not be reporting on my credit report. I have disputed this with all of the credit reporting agencies, including Equifax, and the account has been removed by all of the agencies except Equifax. This account is having a negative impact on my credit scores and is preventing me from obtaining necessary financing. 
I disputed this previously and Equifax responded with an inane response that did not address the issue I am disputing. I request that the CFPB instruct Equifax to either justify the erroneous reporting with documentation or delete this account as requested.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-14
Company: EQUIFAX, INC.
State: OH
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 was going over my XXXX XXXX and I discover some unverified accounts that I don't recall seeing any accounts for business in my records. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. These are accounts are not accurate please delete : XXXX XXXX {$690.00}, XXXX XXXX {$520.00}, XXXX XXXX XXXX the accounts are not accurate. The accounts in question were actually paid in full. The information is wrong I know for a fact you receive this information from a third party source. However this information in WRONG! Not sure who furnished it is unconfirmed and unverified, it is not 100 % accurate. FCRA 1618 ( a ) ( 5 ). Please delete these records from my credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company 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 2023-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states i have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

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 2023-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
For the following credit report agency : XXXX, XXXX, and TransUnion ; I did not give permission to have the following accounts ( XXXXXXXX XXXX & XXXX ) furnished on my credit report. { Reference : 15 usc 1681a2 } The following accounts ( XXXXXXXX XXXX XXXX  XXXX ) are under litigation and i have submitted a FTC for the fraudulent activity.

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 2023-04-03
Company: Experian Information Solutions Inc.
State: NY
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 never opened these fraudulent accounts or even heard of most of them. They keep being reported as accurate when they so are not.

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 2023-08-03
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:
This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$2200.00} XXXXXXXX XXXX XXXXXXXX Balance : {$4100.00} CHILD SUPPORT ENFORCEM XXXX Balance : {$7200.00} 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 2022-04-14
Company: Maximus Education, LLC dba Aidvantage
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I attended XXXX XXXX XXXX. XXXX years ago, I applied for a borrower defense discharge. Finally, this year it was approved, after XXXX XXXX orders that both applied to my loans. The new servicer, Aidvantage, is claiming my loans don't qualify. They have offered a small credit for my long wait. All they have said is that I should wait to receive information about my loans. It has been weeks since then. This is a nightmare that has lasted 15 years now. I just want this to be over. I'm hoping there can be a resolution to this. I want others to see this and know it's not just them. You can't trust these people.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance Owed : {$8.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$25000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-19
Company: LJ Ross Associates
State: IA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
on or about XX/XX/2023, I reviewed my consumer credit reports XXXX, XXXX, and XXXX XXXX and noticed collections on all three from a third-party collections agency so I decided to send them a debt validation letter requesting information on the so-called debt I requested the following. 
an original contract with a wet signature from the original creditor with wet signature. 
the name address and and phone number of the original creditor. 

an itemized payment history associated with the account as to determine what is owed and/or that may be contested.

proof of ownership of this debt and or whether they are even allowed to collect on this debt per law. 
I informed them they had 30 days to produce my request and or cease collection attempts and/or remove this from my consumer credit reports. during my 30-day wait, I discovered that this company via the NMLS that this company is not even licensed to do collections in the state of Iowa, whereas i am more than sure that the company has claimed numerous payments. 

I mailed this letter on XX/XX/2023 it has been about 50 days and I have yet to hear back from the company and those items are still on all three consumer reports.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08
Company: Velocity Portfolio Group
State: NV
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 have sent XXXX multiple requests asking what method was used to validate the debt. I have submitted documentation from the Bankruptcy court advising that they do not report bankruptcies, I have contacted pacer and they have also confirmed that they do not report. I have also contacted XXXX XXXX and have also confirmed that my report is current locked and no information has been provided. I have submitted all the documents of proof and I just received that the account has been verified. I am requesting who, and what method was used.

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 2023-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-03
Company: PNC Bank N.A.
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I recently filed several transactions with PNC Nank, N.A. as unauthorized transactions ( ATM withdrawals and POS purchases ) .. The disputed transactions were filed by me sometime on or around XX/XX/2017 through XX/XX/2017. On XX/XX/2017, PNC Bank denied the majority of my claims ( with the exception of two dispute charges where one was provided a final dispute credit and the other was provided a provisional/temporary credit ) for my disputed unauthorized transactions totaling approximately over {$1000.00}. PNC Bank 's reasoning for denying my claims is because the person who allegedly made the ATM withdrawals and/or purchases " kind of looks similar '' to me. I requested the documents and or photos that they received in making this determination to deny my claim and an employee ( XXXX ) from PNC Bank 's Executive Clients Relations department REFUSED to provide me with these documents and photos of allegedly me initiating these unauthorized transactions which is a breach of our contract ( account agreement ) and a violation of the Electronic Funds Transfer Act ( EFTA ) and/or Regulation E ( REG E ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: Genesis FS Card Services, Inc.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XX/XX/22 I got a bill from a credit card named Indigo. It was for the application fee and {$6.00} interest. The statement said card number ends in XXXX. Total fee is {$130.00} XXXX call the number on the bill, and they kept demanding I give them my SSN. They had some of my information but some of the information did not match. I never applied for this card, and I have never received this card. I ask them to closed this account and erase the fees. They said I would have to talk to a Supervisor, and none were available. They refused to take care of this. 
Genesis FC Card XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation