BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-19
Company: Remex, Inc.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I would like to make a complaint against XXXX XXXX XXXX & Remex Inc.for Opening a cllaim against me dated XX/XX/2015 that I owe {$150.00} for a service I did not use or never have I heard of this Company about any due bills.and now this issues have been given to Remex Inc . Collections to destroy my Credit without trying to contact me about the matter First.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26
Company: EQUIFAX, INC.
State: IL
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:
The consumer reporting agency is in violation of 15 usc 1681. documents have been attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: EQUIFAX, INC.
State: WI
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:
XXXX resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-11
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XXXX, XXXX submitted a total loss payment to XXXX XXXX for a XXXX XXXX XXXX that was XXXX XXXX XXXX when I purchased the vehicle and it had over XXXX miles at the time of purchase. Contracts and proof attached. 

Considering the lawsuits pending against XXXX XXXX, TOTAL LOSS from INSURANCE, and the predatory lending of 22.99 % for 5 years on a XXXX car at the time of purchase, I am requesting that credit acceptance REMOVE and DELETE the 180 DAY LATE Payments and other adverse payments from ALL THREE CREDIT REPORTS. 

Since the beginning of the loan in XX/XX/XXXX, I was never late on the car payments. Negative credit reporting started after the total loss of the car. 

The car was involved in an accident in XXXX of XXXX and instead of XXXX XXXX reporting this correctly, they have reported 180 day late payments for ALMOST TWO YEARS affecting my ability to obtain credit in an already increasing high economy. This is unfair to me as the car was deemed a total loss, and XXXX XXXX  CHARGED ME {$12000.00} in APR charges or interest, which is more than double the price of the vehicle. Contract attached. 

The reason a balance was remaining was due to the 22.99 % interest rate and the sticker price of {$8500.00} on the car, which seemed to be overstated because the car had over XXXX miles on it at the time of purchase and was already XXXX years old. Please assist because I am like many other consumers who are just trying to pay our bills on limited incomes from day-to-day and encountering large conglomerates who take advantage of marginalized communities. Thank you for your help as I really need your assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Unfortunately, this is my second complaint against this particular bank. Due to identity theft and fraudulent transactions I have had to dispute some transactions from XXXX to XXXX. I have recently disputed XXXX transactions, XXXX being invalidly denied. The other that is being worked on currently I am not feeling very hopeful and I have XXXX confidence in the team that is investigating either claim. Some of the representatives have been rude and have even hung up on me throughout this stressfully situation. I am overwhelmed and over this bank especially after dening at least XXXX of my disputes and overdrafting my account as a result. I am looking for a way to resolve this situation and more importantly to protect my accounts and finances overall. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-26
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: Information belongs to someone else

Complaint:
I was told by XXXX  I was given a loan via my bank. I do not have a bank nor had one. I had in past 5 years gotten loans from them only in person and paid them all. I got a text saying I got a loan and had a payment due the same day. When I called them I was told money went to my bank. I had no bank. I complained to experian who told me it's accurate. It is not. Now I see payments were made except not by me. Please fix this. I've worked for 3 years and haven't been late on one of my XXXX credit cards and now it's ruined and experian can't tell me who's acct it is or who's making pymnts. Please help 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 2023-12-15
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:
I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 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 explanation
Consumer complaint received 2023-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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. I notice an Account under my consumer report which I do not recognize. This account was opened fraudulently. XXXX XXXX XXXX not mine please delete and investigate immediately. It 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 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 of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.SC 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 resonable 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 2019-09-12
Company: WELLS FARGO & COMPANY
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was contacted by a debt collection company at the end of XXXX and did not answer. This company, XXXX XXXX XXXX XXXX, then called my mother with legal threats against me so I called them back. They we attempting to collect a debt with regards to an old bank account that I had in my late teens ( circa XXXX ). They told me that if I didn't take action then I would have to deal with federal charges and so on. They we able to provide me with very real looking documentation with regards to the debt so I paid it. I was send a receipt for my payment and promptly moved on. 

About a month ago I received a similar phone call from another company trying to collect on the same debt and told them to leave me alone and put my on the DNC list  because I had already paid it. I then called Wells Fargo because they are the bank in which the debt was attached to and they had not record of said debt and informed me to ignore all future calls. 

Fast-forward to today, XX/XX/XXXX, at XXXX XXXX  EST I got a phone call for an 'unknown ' number and did not answer. I then received a phone call from my dad at XXXX XXXX EST that was very similar to the phone call I got from my mother last year. He told me to call them back and get as much information as I could as to why they were calling. While on the phone with them I realized that they were trying to collect the same debt that I paid last year. They were threatening me with legal action saying that I'm breaking a federal law for not paying this debt. I informed her that I had a receipt for proof that I had already paid it but it came from a different company. She asked what company and I told her I would have to look it up and asked her to wait a moment while I did. When I spoke again to let her know the name of the company she was not there. After hanging up I called my dad back and he gave me the number that she had called from. She told him that she was calling from North Carolina however the number that popped up with from New York. The number is XXXX. I did not get the name of the new company calling before they hung up on me. 

I'm starting to wonder if I ever own money in the first place and if I'm not just out {$470.00}. 

Attached are the letters and receipt that I received from the original 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 2023-12-15
Company: EQUIFAX, INC.
State: MI
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've expressed my complaints regarding identity theft on multiple occasions. Within four business days, you must remove or block any items that were opened without my knowledge, consent, or authority if you can provide the following : ( 1 ) suitable identification proof ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of the relevant information; and ( 4 ) a declaration from the customer stating that the information is unrelated to any transactions. 
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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
this was not sent in error, and not a material misrepresentation PROCCESS THE DISPUTE See attachments I did not consent to, authorize nor XXXX from any of the following inquiries. Block and remove them.

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 2019-04-01
Company: The CMI Group, Inc.
State: IL
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:
Was in the process of refinancing my home when my credit report was pulled and I was advised of a collection on my account from XXXX XXXX XXXX XXXX XXXX XXXX. I was told there was a balance of {$190.00} owed. InXX/XX/2016, XXXX advised me that did not receive a piece of equipment after I closed my account with them. I advised them that the equipment was turned into them by their technician when he came to my home. I explained this to the company and told them the tech scanned the equipment in and told me a receipt was not issue because the cable box was being discontinued. I did not hear anything else nor did I receive anything else until I saw this had been reported on my credit 1 week ago. I reach out to Credit Management ( CREDIT MGMT XXXX XXXX XXXX, XXXX, TX PHONE ( XXXX ) XXXX ) who now own the debt. I asked them if the balance was paid would they remove this from my credit as I was never made aware that this had occurred. I was told yes. I paid the balance so it would not hold up my refinance and was then told by Credit Management that they wouldn't delete it from my credit by would say I paid it. I think this is very deceitful. I am/was trying to do the right thing were most people wouldn't and this organization lied to fill a quota. Please help me resolve this. Thank you

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-01
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
In XX/XX/2018 I paid off my car loan early. As a result my credit score was penalized and I lost many points, going down to XXXX. Prior to that I believe my score was somewhere between XXXX and XXXX. I pay my bills on time and don't accrue debt that can't be paid off quickly. I worked hard to build my score back up, often by using the credit card and having to pay interest. For almost a year 's worth of effort I got my score back ( via FICO-8 Experian ) to XXXX. I recently purchased a computer, that I could have paid cash for or paid off on one payment. My Experian credit account got hit and I lost 7 points, going from XXXX to XXXX, undoing a years worth on interest and effort. I tried filing a complaint/dispute on their website but there is nothing that allows you to dispute a score. I filed one anyway about incorrect information. Via social media they have asked for me to " DM '' them but have not responded to my inquires or challenges to their logic. They do not make it easy to understand how your score is generated. For someone with " Excellent '' credit I got hit for being responsible with my money when I paid off my car/loan early and I also got hit for using my credit card the way it was designed to be used. Experian and others get to collect data on us and use it to their advantage, we are the " product '' but they don't respond to us in a timely manner and treat us with respect.

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 2024-01-04
Company: U.S. BANCORP
State: CA
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:
I have been a victim of inaccurate reporting, and it is disheartening to see that my efforts to correct this discrepancy have not yielded the desired results. I have previously submitted dispute letters and followed the appropriate procedures outlined in the Fair Credit Reporting Act ( FCRA ). However, despite my diligent efforts, the inaccurate late payments persist on my credit report. 
CONNEXUS CU XXXXXXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I would like to bring to your attention that other credit reporting agency have already taken corrective action in response to my disputes and have removed the disputed late payments from their reporting. I am left perplexed as to why your bureau has not followed suit.

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 2023-09-19
Company: Movement Mortgage LLC
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage
Sub-issue: Delays with the closing process

Complaint:
I was Force to forfeited my earnest money by the seller due to the improper handling of the FHA loan. I was forced to sign away the money unknowingly, be sued by the seller for taking to long to close The UW from Movement Mortgage took almost 125 days to close the deal and the deal ended up being lost. I lost over {$5000.00} in the process and the house put back on the market behind because they couldn't get it done in a timely manner. I started my first contract on XX/XX/2023 and it ended XX/XX/2023. during this period after 45 days the seller was being paid {$100.00} a day until closing. They were very unprofessional and they wouldn't talk to my agent. There was very poor communicators throughout this whole process. I was put through so much stress behind this situation I wound up losing my job. on XX/XX/2023. UW put me on a yo yo for weeks. Everyone had a responsibility to do their job but I was the only one that suffered a loss of substantial significance. and I need your help to investigate their practices. They switched me from a conventional loan to a FHA after I was already approved with conditions. The Lender convinced me to try a XXXX loan to help with miner repairs, and asked me to hire a GC to do the repairs but gave me every little understanding of how the procedure would work. This turned into a nightmare of epic proportions .Even my agent didn't understand what they were doing and UW refused to talk to him over the phone or by email. i Feel as though I was taken advantage of. Maybe if the process was explained correctly the outcome would have been different. My Agent, Lender, and GC where of Color, they all agreed that this process took entirely to long. and are willing to testify to the inappropriate action of UW of Movement Mortgage. 
Please Im seeking Help with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: CREDIT ACCEPTANCE CORPORATION
State: MI
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
1. Refuses to properly resend and provide proper information to DIFS for refusal to cancel loan for unreceived goods and services. 
2, continues to report to credit beura for late payments for goods and services we did not receive. We continue to be denied for another auto loan causing sever financial distress. 
3. Locked out of account information and they refuse to give balance over the phone. 
4. Continuing to commit fraud. 
5. Continuing to take payments for goods and services not received and we have been threatened if we do not pay. 
6. XXXX, XXXX, and XXXX 3 credit reporting agencies are assisting them in destroying our finances by allowing them to continue to report and allowing the negative posts to stay on report for goods and Servies not received. 
7. Mailing my personal information to different addresses. 
8. mailing they mailed information pertaining to our claims with DIFS the never sent us a single file. the difs did.

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 2023-05-06
Company: Convergent Resources, 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: Account status incorrect

Complaint:
In accordance with the fair credit reporting act. This list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The convergent account XXXX XXXX XXXX XXXX account number XXXX date opened XX/XX/XXXX balance {$1600.00} and CONVERGENT OUTSOURCING account number XXXX date opened XX/XX/XXXX balance {$1200.00} has violated my rights. 15 USC 1681 section 602 A. 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 an account without my written instructions. 15 USC 1681c ( a ) ( 5 ) Section states : no consumer reporting agency may make any customer 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 USC 1681 s-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. 15 USC 1681 s-2 ( a ) ( 1 ) 15 USC 1681 c ( a ) ( 5 ) 15 USC 1681 section 602 A 15 USC 1681 section 604 A section 2.

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