BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2020-02-26
Company: WELLS FARGO & COMPANY
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing today through this portal as my last resource after dealing with Wells Fargo and not getting a fair solution on my case. This company is reported a fraudulent item to the credit bureaus. They are committing multiple violations to the Free Credit Reporting Act. 

I contacted them on XX/XX/2019 through a dispute letter sent via fax ( please see fax confirmation attached ). They didn't even investigate the account or take in consideration my dispute notice. 

I am demanding a deletion letter from Wells Fargo. Despites I have been a good customer, they are not being fair with me. If Wells Fargo denies my request, I am willing to let a courthouse decide for them. I want the following account, that is related to fraud : WF CRD SVC XXXX. Date Opened XXXX XXXX Credit Limit $ XXXX.Closed. 

Attached : Proof of fax, letter sent to WF, FTC Report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-27
Company: CITIBANK, N.A.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX put on my credit that Im not aware of never had that company also Best Buy

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 2023-08-27
Company: National Credit Adjusters, LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This letter is a formal complaint. You are reporting inaccurate and incomplete credit information, according to the Fair Credit Reporting Act 609a ( 1 ) a ; you are required by Federal Law to verify threw physical verification of the Original sign CONTRACT between me and NCA. Any and all accounts you post on a credit report, otherwise any one paying you for debt is probably fraudulent. I demand to See a Verified Proof. If you fail to Validate. I also filed complaint with Federal Trade Commission Again this is my correct information, here below. When you system is UPDATED send me an copy of it also with the proof of physical verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-07
Company: ENOVA INTERNATIONAL, INC.
State: ID
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I notified, through email, NetCredit that I was a XXXX, received XXXX, and that I requested relief under the SCRA from the date of notification. There was no follow up, so I called after they debited my account almost a month later with no adjustment. On the phone, XXXX XXXX, the agent refused to reduce the rate until my report date, I told them to refer to USC 50 section 516, and was told there would be follow up within 24-48 hours, and it 's now XX/XX/XXXX with no follow up.

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 2018-05-11
Company: EQUIFAX, INC.
State: IL
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:
A collection account that says it was opened : XX/XX/2017 - XX/XX/XXXX - original creditor name : XX/XX/XXXX {$5000.00} This account was not opened by me in 2017. Seems as if when my social was compromised, someone must have created this account. 
This should not be on my credit report. 
This does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Im submitting 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 : //www.ftc.gov 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 which is being posted to my report. 
Here is the list of items which 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 XXXXXXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1200.00}, XXXX XXXX Balance : {$270.00}, XXXX XXXX Balance : {$750.00}, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/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 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 2020-02-26
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:
I tried to refinance my car today XX/XX/2020and when they ran my credit, they told me that I did not qualify because of my poor credit. My loan officer went over the accounts that were reporting negatively on my credit and none of those accounts belong to me ; I did not open any of those accounts nor did I allow anyone to open these accounts on my behalf. I still don't know who opened these accounts but I already filed a police report. I did not gain anything from these accounts such as money, goods, services or any other benefit. I did not make any payments towards any of these accounts nor did I make any purchases. I do not have any relationships or contracts with any of those companies.

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 2021-07-08
Company: Direct Recovery Services, LLC
State: DE
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
My wife and father received calls From Direct Recovery Services regarding a supposed debt owed for XXXX XXXX and left messages on my wife 's, fathers and father in laws voicemails regarding my personal information, supposed debt owed to XXXX and threating to take further action if I failed to call them back. I never gave permission for them to call any of my family members as the date given for this supposed debt was prior to my current marriage. I have told this company on prior calls to remove all contact information for anyone other then myself and have asked for all documentation they have supporting this supposed debt to be mailed to me and it has not so again after todays voicemails left I called spoke to a XXXX XXXX and informed her of the violation as well as requesting the documents again, she informed me she would mail the information and remove all other call numbers. At this point with the multiple violations against my privacy and rights i fully expect this collection agency fined and held accountable and for them to absorb any and all supposed debts they continue to violate the law and calling me for. I am in possession of all mentioned voicemails left. I HAVE REQUESTED FOR NO MORE CALLS AND ONLY TO BE COMMUNICATED WITH VIA MAIL AND EXPECT THAT TO BE HONORED. IF the above is not honored I will pursue further actions under my rights from the FCRA and FDCPA

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-04
Company: NATIONSTAR MORTGAGE LLC
State: AL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have been filing unemployment off and on since XX/XX/XXXX. After depleting my retirement, I notified my mortgage company of the financial issues I was having and my unemployment status. 
My mortgage company offered a modification package that was quite involved and tedious. I submitted all of the paperwork at their request only to find out I was not eligible for the program because I was unemployed. Several months later, I asked my ex- husband, an attorney, to get involved. He contacted the mortgage company only to have the same program offered. Again, I was not eligible for their modification program since I was unemployed. On the verge of foreclosure, liquidating a few personal assets, I was able to keep my mortgage current until XX/XX/XXXX. I am now almost in foreclosure, again. Again, I contacted my mortgage company on or about XXXX/XXXX/XXXX and spoke with XXXX XXXX XXXX ext XXXX, who explained that I was likely eligible for an unemployment program offered through Nationstar that would lower my mortgage to {$50.00} a month until I was able to obtain gainful employment, again. 
He explained that he would escalate the program and asked me to call back Friday or Monday of the following week. 
When I called back Friday, XXXX XXXX was available but said he would need to call me back. I never heard from him so Monday I called Nationstar again and asked to speak XXXX XXXX who was unavailable. I cant recall exactly what she said when I spoke with her but essentially she said that I would not qualify for the program. At that point, I became quite angry and unprofessional and eventually hung up on her.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Fair Collections & Outsourcing ( FCO ) is sharing my nonpublic personal information with non-affiliated third parties XXXX, XXXX, & XXXX. Fair Collections & Outsourcing does not have my consent to have and share my private personal information. Then, the information that they are reporting is inaccurate and false. They are violating my right to privacy as a consumer, reporting inaccurate, false, and damaging information to the consumer reporting agencies. They are in violation of multiple federal laws. 

I declare under penalty of perjury that the statements herein are true and correct to the best of my knowledge. I certify that I am permitted by FEDERAL and STATE LAW to dispute this alleged debt and commence this complaint. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S. C. 1001.

Additionally, any false statements are punishable as perjury under 10 USC 1621. This collection that is being furnished on my consumer report is not related to any transactions that I made. I believe that a person or company- without my authorization- used my personal identifying nonpublic personal information to apply for goods, services, or money deceptively and unlawfully opened this account. Complaints are being filed with the Federal Trade Commission as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-11
Company: Capital Accounts, LLC
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I was told I have a debt, I mailed a check to the original company was owed to my son doctor. 

They hot my credit when I called them he said this isnt XXXX XXXX you cant have it your way, wouldve let me record him or confirm this debt is being removed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05
Company: Harris & Harris, Ltd.
State: DC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Throughout the month of XXXX, I was repeatedly called by representatives of Harris & Harris Ltd. in XXXX, IL. After calling back to determine what the reason for the calls were, I was told I owed nearly {$16000.00} in tickets to the XXXX, DC DMV and that they were collecting on their behalf. I sold the vehicle that received all of these tickets in 2018. The car is not mine, the tickets are not mine.

I subsequently mailed a letter to Harris & Harris using the mailing address on their website, explaining these details with a copy of the bill of sale of the vehicle. It was mailed on XX/XX/XXXX, using USPS Certified Mail and USPS confirmed delivery on XX/XX/XXXX. The letter also included a request to close the file immediately and cease all communications with me, per my rights under the FDCPA. On XX/XX/XXXX, I received another call from Harris & Harris, again attempting to collect a debt but using the word " amnesty '' and stating that I now only owed {$5000.00}. This is clearly a fishing attempt to get me to pay whatever they can get rather than closing the file due to it not being my debt. I was advised to send an email with the same information I had previously sent in my letter. I did so on XX/XX/XXXX and advised in that email that I would be reporting the illegal activity of Harris & Harris continuing to call me after a written request not to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
In XXXX of XXXX  Capital One credit card company requested my date of birth for the account. I provided the information three times, before their stated deadline. I received a call that the info was finally received by them on XX/XX/XXXX, before the deadline of XX/XX/XXXX. They closed the account anyway without notification to me. We have requested that the account be reopened. Every time I call to find out the status of reopening the account we are told it's still being worked on. I have been given a case number and contact person, but have no way to actually get back in touch with the contact person. I just called for another update and was told that the account still does not have my date of birth on record. Today is XX/XX/2023.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-28
Company: Sequium Asset Solutions, LLC
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I discovered a collections account when I pulled my credit report. After digging around it was determined this account was a XXXX account. The address they show that opened the account was in XXXX. I have lived in Washington State since XX/XX/1990. 
I have disputed the debt several times. I have never received any bills on this account. The address on file was determined to be fraud and was removed immediately, but the collections still remains on my credit report. 

After doing some additional investigation it appears this company does this quite often to other unsuspecting consumers. 

Focus Receivables Management XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX Phone : XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: EQUIFAX, INC.
State: NY
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-22
Company: Experian Information Solutions 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 fair credit report act, XXXX account # XXXX, XXXX XXXX account # XXXXXXXX XXXX  account # XXXX, Texas Attorney General Office account # XXXX. Texas Attorney General Office account # XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602A States I have the right to privacy.

15 U.S.C. 1681 Section 604A Section 2 It also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: Experian Information Solutions Inc.
State: GA
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 somebody who can help me. I am deeply upset about the erroneous things I see on my credit report. These accounts are unverifiable, invalidated, inaccurate, and questionable. If everything is not reporting 100 % accurately it must be removed. I hope you find out what's going on to and who the inaccurate information belongs to. Can you all clear this up quick. It is my understanding that you will do an investigation immediately, a new credit report that reflect the updated changes should be sent.

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 2023-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 Account # XXXX, - XXXX XXXX Account # XXXX,, XXXXXXXX XXXX account # XXXX, XXXX XXXX XXXX Account XXXX XXXX XXXX, XXXX  XXXX Account # : XXXX, XXXX  Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX # XXXX, XXXX Account # XXXX, XXXX Account XXXX XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # : XXXX, XXXX Account # XXXX, XXXX XXXX Account # : XXXX, XXXX XXXX Account # XXXX, 15 U.S.C 168 ; c ( a ) ( 5 ) Section States no consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681 SECTION 602 A. States I have a right to privacy. ( 2 ) In accordance with the written instructions of the CONSUMER to whom it relates. 15 U.S. CODE Subchapter III CREDIT REPORTING AGENCIES ( a ) Duty Of Furnishers Of Information To Provide Accurate Information ) A ) Reporting information with actual knowledge of errors, A CONSUMER to any consumer Reporting Agency if the PERSON knows or has REASONABLE CAUSE TO BELEIVE 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 2023-05-12
Company: EQUIFAX, INC.
State: FL
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:
To be honest, it's been months since I checked my credit report and I realize some of the information is still wrong. XXXX credit reporting agencies are required to certify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). Treating these reports as unconfirmed information without providing evidence within the legal deadline is unacceptable. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ) Investigate any items that can not be verified and remove them from my report immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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