BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-10
Company: ALLY FINANCIAL INC.
State: DE
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
This problem is with Ally Bank where XXXX XXXX has two accounts : Regular IRA and XXXX XXXX CD with XXXX balance. By now it has been three months since he asked to sell one fund ( XXXX ) and transfer cash to a XXXX IRA after paying 15 % federal taxes. Finally funds were sold but transfer to XXXX account that cash currently at {$28000.00} has not been done. XXXX receives request to send a signed from ) so called " Direct Conversion Request '' ) again and again and nothing happens. By now we are tired and need you help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-09
Company: LD Holdings Group, LLC
State: UT
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am a veteran trying to refinance my property. I was working with Loan Depot to try and lower my interest rate and take some money out of my property, and was told I needed an appraisal. I paid for a VA appraisal of {$600.00} and had the appraiser come as scheduled. After my appraisal was complete, I suddenly stopped getting communication from Loan Depot. Three weeks went by since the time of the appraisal, and still nothing.

I tried to call and ask the appraisal company, who had called me to schedule the appraisal, if I could get a copy of it. They told me that Loan Depot had the appraisal and that it would be up to Loan Depot if they were going to release the appraisal, which I paid for, to me! 
I reached out to XXXX XXXX at Loan Depot, the individual who was selling me the loan, and I was told that I could not get a copy of the appraisal until I closed the loan with Loan Depot. I am effectively being held in limbo because they have since cancelled my loan but still refuse to give me, or any other company I try to have help me, a copy of my appraisal. 
I have spoken to many individuals, both at the appraisal company, and Loan Depot. I have been given conflicting stories about where my appraisal is. On one hand, they are telling me that once completed, they are contracted to deliver the appraisal in 7 days, and the next person I speak to at Loan Depot is telling me they have never received it. I am extremely frustrated and feel as though my money is being held over my head in the form of an appraisal to coerce me into doing business with Loan Depot. 
XXXX XXXX and XXXX XXXX and XXXX XXXX have all been involved and are refusing to help me get this appraisal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: EQUIFAX, INC.
State: NJ
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 disputed numerous accounts and a bankruptcy with XXXX  on XXXX and they reported that there was no bankruptcy and no negative accounts on my report. I disputed the same with XXXX, XXXX, and Equifax on XXXX. An investigation supposedly done and nothing changed. I even called XXXX and equifax. I spoke to XXXX XXXX a supervisor from XXXX which did not give me his ID and refused to give me anything else but his name. I asked him for the method of verification if there was in fact an investigation done and he had no information about the third party used and all he had was a phone number in which in fact wasnt even a third party number in which they use to verify. He said no information was on file about their method of verification. I called equifax and same scenario no third party information was given and just gave me the same number in which is not a third party. The number was from a court in which do not share nor provide any information to credit companies.

According to the law 15 us 1681 ( a ) consumer rights to privacy was infringed upon and 15 us 1681 ( b ) ( 2 ) I did not grant or give written instructions nor permissible purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15
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 this letter to request an investigation on my account inquiry that Wells Fargo authorized for disbursement to Legal Recovery Off-set on XX/XX/2021. On this date, without my authorization or notice, Wells Fargo on its own allowed the withdrawal of {$7900.00} from my account ending in XXXX. I did not recognize the account or its connection to me. The money that your bank authorized for withdrawal was money from my unemployment claims and at these difficult times and pandemic, I use that money for survival and necessity. 
After the intense research, it comes to my surprise that this withdrawal was associated with a Judgment from the lawsuit XXXX. When I learnt of the withdrawal, I was instructed to call the Sherriff department where they usually withheld the money before disbursement. However, the Sherriff informed me that they did not know of this judgment or lawsuit. Your bank had authorized an unlawful transaction without notice or go through a proper verification. 
I want to formally dispute the lawsuit XXXX with the balance of {$15000.00}. I was and am a victim of identity theft because someone illegally used my personal information to open a loan or credit card in the stated lawsuit. Further, I have never received any form of communication regarding this fraud account. I just figured out this serious matter after your bank authorized the withdrawal associated with a Money Judgment from the Court of XXXX XXXX County ( Case number XXXX ). I was never served or received summons to go to the court and defense myself on this case.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-26
Company: EQUIFAX, INC.
State: TN
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:
I am writing trying to get some clarification on my student loan. I have filed a complaint but still to no avail. I took out 2 student loans in 2008. Every time XXXX distributes money for my semester it shows as a new open account on my credit reports. My score just went down XXXX points in XXXX for a disbursement. Why do I have individual accounts on my credit report and I only have 2 loans. Is this legal? It is like double dipping. I look like I have 17 separate accounts and 2 original loan amounts. I need this to be corrected. I only have original documentation for the 2 loans. I also need my points back on my credit reports. XXXX XXXX and Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17
Company: Experian Information Solutions Inc.
State: CA
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 this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account has unverified information without providing any proof within the period allowed by law. The account need to be investigate and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXXXXXX Balance : {$10000.00}

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 explanation
Consumer complaint received 2023-02-21
Company: Experian Information Solutions 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:
To whom it may concern : I am writing to update/correct my personal information on file with your company. 

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

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX {$2000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$280.00} XX/XX/XXXX UNKNOWN XXXX {$140.00} XX/XX/XXXX UNKNOWN XXXX {$72.00} XX/XX/XXXX XXXX  XXXX XXXX {$2300.00} XX/XX/XXXX UNKNOWN XXXX {$72.00} 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 2022-10-27
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
See letters sent, clear violations of the FCRA and they need to be deleted

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: Experian Information Solutions Inc.
State: NC
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:
I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following accounts and inquiries. Please Block and remove it.

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 2023-08-02
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:
Equifax has responded to my previous complaint ID XXXX ( content below ) with a report to me dated XX/XX/23 and AGAIN have not made correction to my name and AGAIN are demanding that to make correction I must send copies of identification documents that they already received from me on XX/XX/23. In that communication they received copies of both my Driver 's License and US Passport. They do not say or acknowledge in any way that they have lost or can't find the documents previously sent. I expect correction of my name based on supporting documents already sent or some acknowledgement from Equifax that they somehow lost copies of these official documents. They are demonstrating completely unacceptable business practices. 

copy of previous COMPLAINT ID XXXX Equifax. They have had both my legal name and date of birth incorrect on my report. As an individual with a very common name it is critical that it be reported correctly. After noting the errors in routinely requested report I both wrote and submitted them a Research Request Form them on XX/XX/23. In that same correspondence I provided them with copies of both my US Passport and Florida driver 's license for support of the requested corrections. Additionally, I requested that a corrected report be sent to any credit grantor for whom they had sent incorrect information in the past 6 months. I received from them a report dated XX/XX/23 on which I noted a correction of my Date of Birth. They had NOT, however, corrected my legal name. I wrote them again on XXXX, thanking them for the one correction, pointing out that they had official documentation and asking that they make the name correction and again also send corrected information to credit grantors. I received from them a report dated XX/XX/23 in which no correction had been made and they responded asking that I send official support documents for the name change ( passport, social security, dirver 's, etc. ). I AGAIN wrote them on XX/XX/23 repeating the requests and verifying they had already received documents. Lastly, I have received from them a report date XX/XX/23 - AGAIN with no correction of my name and the response from them to " send documents '' that they already have. Additionally, they are NOW saying they will not send corrected reports to credit grantors unless I SPECIFY EXACTLY which grantors should receive them!! It is their responsibility to both know which credit grantors they have sent information to in the past 6 months and correct it. MY NAME IS STILL INCORRECT. I am not attaching copies of correspondence or incorrect reports but they are available if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-28
Company: Bread Financial 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 is missing that should be on the report

Complaint:
Because XXXX XXXX refused to report the closing of accounts listed below which was closed date XX/XX/2018.by consumer ; closed account can be add XXXX XXXX-account XXXX XXXX ... XXXX XXXX-account # XXXX ... XXXX-account # XXXX ... XXXX-account # XXXX ... all accounts from XXXX XXXX, this company would not let me the consumer close those account with the credit bureau 's also report them open, I the consumer is reporting them to the c.f.p.b. to be added to the date basic to keep track of the date account was closed and by whom.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: I.C. System, 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:
Hi I checked my credit report as I am about to apply for a new apartment and saw these collections on my report which I do not recognize at all nor ever had any business with these companies they claim to represent. I have called and asked for information but they said that they can not find my information in their database but they are still reporting it on my credit report which is affecting my ability to move into my new place. I have submitted disputes with credit bureaus to no avail and I have requested debt validation from this company and they have failed to provide me with ANY proof or any response. It has passed the timeframe from when they were supposed to respond more than once and I feel they are ignoring me at this point. I just want this removed from my reports as this does not belong to me if it did I don't mind paying it and resolving it but they won't give me any information. It is frustrating dealing with ic systems and I hope you guys can help! Thank you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting, credit repair services, 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:
On XX/XX/2023 a fraudulent hard inquiry appeared on my Equifax credit report. The inquiry was by " XXXX '' which is XXXX XXXX connected to a XXXX XXXX line of credit. The address listed for them on the inquiry is XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX. I have never applied for a credit card or loan through XXXX XXXX or XXXX XXXX and have never authorized a hard inquiry from them, and this inquiry is fraudulent. I have contacted XXXXXXXX XXXX and they have not taken any steps to address this fraud. 

This is actually the second time that XXXXXXXX XXXX has made a fraudulent hard inquiry on my credit. The exact same hard inquiry showed up on XX/XX/2023 which was also unauthorized. After first refusing the address the issue, XXXXXXXX XXXX eventually confirmed that someone else had tried to fraudulently open a line of credit in my name. I am certain this is what has happened again, but they are doing nothing to address it. I am NOT a customer of XXXX XXXX. I have no cards or loans through XXXXXXXX XXXX and have never applied for any through them or through XXXX XXXX. But XXXX XXXX  still did a hard inquiry on my credit account which is fraudulent. 

The last time this happened, they eventually admitted that they had allowed someone to try to open a line of credit in my name, so I am very concerned about the fraud going on. In XXXX, I placed a fraud alert on my Equifax credit report, so XXXXXXXX XXXX should have taken additional measures if this happened again. It is clear they have not, as I was never contacted to approve this inquiry even though I have the fraud alert.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXXXXXX Account number : XXXX, XXXX XXXX XXXX Account number : XXXX, XXXX XXXX XXXX Account number : XXXX, XXXX XXXX XXXX  Account number : XXXX has violated my rights.

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: TD BANK US HOLDING COMPANY
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: Credit inquiries on your report that you don't recognize

Complaint:
credit report showed that I opened an account with TDBANK/TARGET credit card, I never did that. They had my email and home address but different driver license.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-22
Company: M&T BANK CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I open a dispute with my Bank ( M & T Bank ) on XX/XX/2018 for an unauthorized charge that was placed on XX/XX/2018 on my debt card after losing my wallet which contained my debt card and driver license. I received a letter from my bank dated XX/XX/2018 with the results from the investigated claim # XXXX and since there was a photocopy of my driver license and an account that was supposedly created in XXXX with a company i have never heard of or used it has to be me and would not honor my claim and would not reimburse me in the amount of {$300.00}. I faxed a request for a re-investigating and M & T bank would not honor my request.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-18
Company: Convergent Resources, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have tried contacting this company multiple times. I have even disputed the account three times with XXXX  and XXXX. This account doesn't belong to me as I have never had any affiliations with Convergent Outsourcing or the account it is claiming to be collecting for XXXX. I have asked XXXX, XXXX  to ask convergent outsourcing for some type of documentation stating that I went into an agreement with them or to provide something with my signature authorizing them to report to my credit report. To this very day no one has provided me with the requested documentation yet, it is still showing on my credit report. A collection bill is not proof as it has no signature on it from me and since they can not provide me with the proof this account needs to be removed immediately as it is a violation of my rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17
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:
This is my another request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The inaccurate addresses I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following addresses : XXXX XXXX XXXX XXXX XXXX TN XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/2017 ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS 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 2023-10-07
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:
As a consumer and natural person am a victim of identity theft. XXXX, Equifax, XXXX have used and furnished my consumer credit report without my authorization, consent or written instruction. They allowed companies to share my nonpublic personal information without my consent and also used that information to furnish. Congress makes it clear that the consumer has a RIGHT TO PRIVACY! XXXX, Equifax, and XXXX has violated my federally protected right to privacy by failing to meet the needs of congress by ensuring that they exercise their grave responsibility with respect to the confidentiality of my personal information. The Fair Credit Reporting Act was intended to ensure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and respect to the CONSUMER 'S RIGHT TO PRIVACY! XXXX, Equifax, and XXXX are in direct violation of the FCRA and the Gramm Leach Bliley Act of 1999.

Company response to consumer: Closed with non-monetary relief