BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
An account was opened on XX/XX/ with XXXX XXXX XXXX using my identification when I was hospitalized. This is fraudulent and was done without my consent.

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 2023-01-24
Company: Kimball, Tirey & St. John LLP
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
" XXXX XXXX XXXX XXXX '' ( the creditor ) apparently rented property to someone with the same name as I or someone purporting to be me in the past. The creditor won a court judgement against my namesake on XX/XX/XXXX for {$8000.00}. During the period the property was rented, I lived & worked overseas on a foreign employment contract. I filed my taxes from abroad and the contract is well documented. I have no relationship with the creditor, have not lived in California since XXXX, and never in XXXX XXXX County. The creditor used a law firm named XXXX, XXXX, & XXXX XXXX to contact me about the debt. They allege I owe {$12000.00} due to accrued interest. I contacted the law firm and told them the debt is not mine. They refuse to provide any evidence of the individual using my name who rented the property, including driver 's license copy, social security number, and signed lease agreement. Someone either stole my identity or the creditor and their law firm have the wrong person with whom I share a name.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: EQUIFAX, INC.
State: FL
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:
Dear Sir/Madam, I am writing to dispute certain information on my consumer report as provided by your agency. I am raising this dispute under the provisions of 15 U.S.C 1681b, specifically focusing on the permissible purpose clause, as I have never provided written consent to your agency for the inclusion of this information on my consumer report. This lack of consent is a concerning issue as it may be indicative of identity theft, and I have already filed a report with the Federal Trade Commission ( FTC ) under Reference Number XXXX. 

The following accounts are being reported on my consumer report, and I request their removal : 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 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 would like to clarify that my dispute is not with the original creditors of these accounts but with your reporting agency 's inclusion of this information on my consumer report without my written consent, which I believe violates the permissible purpose provision under 15 U.S.C 1681b. According to 15 U.S.C 1681C-2 , it is mandated that these items should be removed within the statutory time frame. 

I kindly request your prompt investigation into this matter and the subsequent removal of the aforementioned items from my consumer report. Please provide written confirmation of the removals made and a copy of my updated consumer report once the necessary corrections have been completed. 

I expect this matter to be resolved in accordance with the Fair Credit Reporting Act ( FCRA ) and the laws that protect consumer rights. Your immediate attention to this matter is greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-24
Company: Incomm Holdings Inc.
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
This card was a gift valued at {$500.00} and I received it in XX/XX/XXXX. It was in a drawer in Washington XXXX DC. In XX/XX/XXXX, I checked the balance and it was {$2.00} and there were 5 transactions totaling {$490.00} that occurred on XX/XX/XXXX at " XXXX 's '' which appears to be a grocery store in California. As soon as I discovered this I called InComm Customer Service and submitted a fraud dispute along with all the required documentation. The email told me that I would receive an email resolution in 45-90 days. Nearly 9 months later, I have not received any correspondence despite following up twice. This is clearly fraud and they have not protected their data as the card was no where near California when the transactions occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
Dear Credit Reporting Agency, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. My identifying information is as follows : Date of Birth : XX/XX/ SSN : XXXX If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days. Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-24
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
From XXXX XXXX : Between XX/XX/2023 and XX/XX/2023, a new account in collections was added to your report. The collection agency is MERCANTILE ADJUSTMENT BU. The original creditor was XXXX XXXX XXXX. 

I have no idea who " XXXX XXXX XXXX '' is, and have never had business with them. A XXXX search does not show any results for a company with that name. I tried to contact the collection agency, but was sent to voice mail or hung up on. This is not my debt and looks to be coming from some form of fraudulent shell company. Also, Mercantile never tried to contact me to resolve before filing with the credit burau.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Company: PNC Bank N.A.
State: IL
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I was arrested at The United States Probation office on XX/XX/XXXX. My purse wallet and cellphone were left in the vehicle with two individuals who stole my items and was able to access my funds that was in my PNC checking and savings accounts. I was incarcerated from XX/XX/XXXX until XX/XX/XXXX. I tried to dispute the fraudulent transactions as I had no way to access these funds from behind bars and the outcome of the dispute was these fraudulent transactions were valid. I provided them a letter of incarceration from The Bureau of Prisons detailing the dates of my imprisonment. I reported the theft to XXXX Police Department and The Attorney General of Illinois. The bank who claims zero liability on debit cards is false advertising. I have a CFPB number and it is XXXX. I talked to an individual from the bank and the evidence they used to confirm these transactions was atm footage. I wrote them back in XXXX to ask for the evidence they went by to confirm these transactions and they still have not sent them in violation of the Federal credit Act. I also have a reference from the Attorney General about my case, File # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: WELLS FARGO & COMPANY
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Wells Fargo has charged me multiple overdraft protection fees throughout the years of XXXX when I had money in my account and did not refund me at all during this time. Til this day I have not received anything!

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 2023-08-05
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | XXXX : [ XX/XX/XXXX ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX XXXX XXXX ] Account Number : [ XXXX ] Reason : [ WRONG INFO ON MY ACCOUNT WANTED REMOVED. XX/XX/XXXX ] YOU ARE REPORTING THIS COLLECTION AS AN OPEN ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION ABOVE IS REMOVED. Thank you for your time and help in this matter. Sincerely, [ XXXX XXXX XXXX ]

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: Self Financial 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:
self/lead bank balance owed XXXX ( XXXX XXXX XXXX  ) I have call numerous times and sent them letters notarized, police reports yet they still fail to remove this fraudulent account from my credit report. 


15 U.S. Code 41 - Unfair methods of competition ; prevention by Commission This section empowers the Federal Trade Commission ( FTC ) to prevent unfair methods of competition and deceptive acts or practices affecting commerce. It covers various consumer protection aspects, including false advertising, deceptive marketing, and other unfair business practices. 


15 us code 1681a ( 2 ) ( A ) ( i ) 15 us code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumers reports no consent I fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Company: EQUIFAX, INC.
State: CT
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:
DEPT OF EDUCATION/XXXX XXXX  # XXXX is reporting as a delinquent student loan account across all XXXX  bureaus XXXX, equifax and XXXX. The account is closed and currently up to date with all payments however, these bureaus have a past due 90 day late payment for XX/XX/2019 for 90 days however student loan payments are deferred and are in forbearance. Due to this late payment that is inaccurately reporting and non-factual it is harming me for going for a mortgage loan as this is severely hurting my credit. According to the FCRA inaccurate information especially a late payment on a student loan account that is deferred by the government, up to date whereas there has been no payments made late I need this fixed on my credit report. Please see attached documentation at the bottom of this email. Not only this there is an address on my experian account that doesn't belong to me and is incorrect which is another reason why I believe the loan is marked this way. It shows an address at XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX however I live at XXXX XXXX XXXX. I will attach my driver license for proof of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: SYNCHRONY FINANCIAL
State: KY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I began my relationship with Synchrony via Care Credit nearly XXXX years ago. At that time my credit report had the exact same things listed as it does now, other than my newer accounts. I used this account at my XXXX, paid on time, and paid the card off several times before the promotions ended. This card carried no balance and had for months.In XXXX I see that my account is closed. I never received anything about its closure so I reached out and was basically told theres nothing that could be done and they would send another letter. In this letter they listed the reasoning, which was no different when they extended credit nearly XXXX years prior and gave me a higher interest rate. The only extra excuse they gave was No first mortgage listed. So, during a housing crisis and soaring home prices, Synchrony feels that not having a mortgage is a reason for no longer extending credit ( because everything else is the same ). This hurt my credit badly. Now, in the last XXXX months they have dropped the spending limit on my Sams Club card, as well as my XXXX XXXX XXXX card for the same reasons. Again- no collections, no late payments, etc new on my credit since they extended credit to me. However now my credit ( according to them ) has dropped nearly XXXX points. I have pulled my XXXX scores and can not find the score they are using, which I assume is the XXXX XXXX XXXX ( most often used by credit card companies ). My XXXX XXXX score from XXXX isnt showing the same as what synchrony is citing. I also pulled my credit reports from all XXXX bureaus and can not find anything harmful recently that would adversely affect the decision made by synchrony to deny credit. All of my payments have been made on time and I had paid off my Sams and Care Credit multiple times. No other creditor has done this to me. Theyre harming my credit simply because I do not have a mortgage. All of these other potentially negative things were there PRIOR to the extension of credit. This is an unfair practice and I have read the comments of so many people that they have done this to also. Someone please investigate these unfair practices.

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: Great American Finance Co
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
On XX/XX/23 I was informed by my employer that great American finance ( XXXX XXXX contacted my employer in an attempt to collect a debt, and I just made a payment. This was inappropriate, unprofessional, and could impact my employment. It also very much violated my privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
my vehicle was repossessed in the spring of 2021 by Bank of America, after that the vehicle was sold at auction and charged off as and debt profit and loss write-off on my credit report. Bank of America is claiming a balance of {$9200.00} on my credit file. This is incorrect because at lease off the vehicle I purchased a Gap insurance policy. Which Bank of America collected after repossessing and selling the vehicle. So for almost 3 years they have reported false and erroneous details on my credit report. Which resulted in a drop off my XXXX XXXX, resulting in me being denied working in my industry, housing, and the purchase of another vehicle. Ive submitted over XXXX disputed with Bank of America and they've denied them all knowing that the balance was paid in full by the gap insurance policy I purchased for the vehicle. Bank of America has done terrible and shady business with me and violated my rights under numerous State and Federal laws. In the corresponding attachments you will see the original loan agreement with the {$840.00} Gap insurance policy highlighted. Noted this is my 3rd complaint filled with Bank of America thru the CFPB and each complaint is still pending 30 days after submitance with no correspondence from Bank of America.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21
Company: Millco Management
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am writing to bring to your attention a critical issue regarding a debt that is currently being pursued by Amerifinancial Solutions. I dispute the validity of this debt based on the fact that, at the time of the service in question, I was a member covered by XXXX XXXX XXXX. Furthermore, I not only contest the amount claimed, but also the existence of any outstanding balance. This dispute arises from the inaccurate reporting of my insurance coverage, which has had severe consequences on my credit history. This detrimental impact is now hindering my ability to seek necessary medical treatment and is impeding my efforts to purchase a home.I have already communicated with XXXX XXXX of Florida, informing them of this situation and providing evidence of my insurance coverage during the specified period. They are aware of the inaccuracies in reporting and are collaborating with me to rectify this matter. Additionally, I dispute that I owe the amount stated on the invoices in question.I implore you to conduct a comprehensive investigation into this issue, removing any accounts associated with my name, XXXX XXXX, under the following account numbers : Account # : XXXX, Account # : XXXX, Account # : XXXX. The resolution of this matter is of utmost urgency, and I trust that you will treat it as such. I request that you promptly confirm the removal of these accounts and provide written acknowledgment of their resolution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have disputes multiple times about these items which they come back saying it's accurate. XXXX XXXX is not reporting it, but they come back saying they get these information from them. Because of this information i keep having a hard time getting credit from creditors.

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 2023-11-03
Company: EQUIFAX, INC.
State: MD
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:
XXXX app alerts have been popping up with XXXX XXXX XXXX XXXX. Saying my information is on the XXXX XXXX and to change my passwords on my accounts. 
I don't recognize these inquiries so please have them deleted from my reports. 

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