BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-31
Company: Genesis FS Card Services, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I signed up for credit protection, a agent told me I can either fill out the forms mailed to me or email documentation I'm off work. So I emailed documentation stating I'm on XXXX, yesterday the agent said the email was not recieved. I emailed the documentation 5x again yesterday and again today. I took a screen show of the successful email Sent today for my claims foXXXX XXXX XXXX XXXX. I'm also attaching the doctor 's note... I. asking the company to rwapond directly to this complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
On XX/XX/2015 a credit card account with XXXX XXXX XXXX was fraudulently opened in my name. I learned of this account after receiving a collections notice from XXXX XXXX XXXX ( a collections company ) requesting payment. I do not, nor have I ever, held an account with XXXX or XXXX XXXX  doing business for XXXX. I have not, nor have I ever, authorized use of my name or personal information for incurring a debt with XXXX or any other debtor. 

Upon speaking with a XXXX XXXX XXXX representative, I learned this account was created on XX/XX/2015 and a purchase was made in the amount of {$990.00} in XXXX XXXX, CA which I have no knowledge of. The past due balance after no payments were made is {$1100.00} as advised by XXXX XXXX XXXX. The address on the account is not, nor has it ever been, my residence. I learned of this address from the XXXX XXXX XXXX agent and she advised it is XXXX XXXX XXXX, XXXX, TX which is an address I am not familiar with. I did not, nor have I ever, made a purchase via XXXX in any manor or a purchase in, or shipping from, XXXX XXXX, CA. I have tried numerous times and numerous numbers ( listed below ) to reach XXXX and every representative has said this account is non-existent and will not give me any further information. I have tried in excess of 17 different phone numbers ( or transfers ) for XXXX and have reached no resolve. In addition, XXXX will only give information after providing the email address on file to which I do not have an email on file with XXXX. 

The fraudulent account is showing on all 3 of my credit reports and hindering my ability to get a mortgage. I have spoken with XXXX XXXX XXXX which was the collections agency associated with the account and they determined the account was fraudulently opened and removed their reporting from my credit history ( see attached letter ) ; however, I can not get anyone at XXXX to acknowledge this account even exists or to remove it from my credit report. 

My resolve would be to please remove this account from my credit history and provide a letter in writing either by email or mail stating such intent. I certify the representations made are true, correct, and contain no material omissions of fact. 

XXXX Numbers I have contacted, but not limited to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-05-02
Company: PENTAGON FEDERAL CREDIT UNION
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: Information is missing that should be on the report

Complaint:
I have an inquiry on my account from penfed, there was a mistake made where I was trying to look at offers and it submitted my application instead, I spoke with penfed they ask me for my credit report so they can fix it which I gave them but it is still on my report, can you please help me take this off my report, 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 2020-07-27
Company: EQUIFAX, INC.
State: FL
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:
I have made numerous attempts to get my credit report over the telephone from the Equifax company. They confirm that I do not have any freezes or blocks. On the most recent attempt, they asked me to send a request in writing, along with identification. On XX/XX/2020, I sent a request to receive my credit reports. I have numerous errors on my credit report with the other bureaus, so I have to assume they show on Equifax also. I sent a formal report listing all of the accounts I believe to be an error. This past week, I sent another request, identifying several collections creditors that have not answered my validation requests in terms of the law. These items must be deleted. My complaint with Equifax is the following : 1 ) I'm still requesting to see a complete copy of my credit report and have yet to receive. 
2 ) I've received no answer from them about the errors I believe are being listed on my credit report. 
3 ) I now have several collections creditors that are in violation of the law, so I've requested to have these accounts deleted. 

I'm doing all of this blindly, from what I believe is on my credit report. Is Equifax still in business? Are they no longer required to follow the law? Why am I the only American that can't see my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I banked with Wells Fargo for over 15 years, within the last years my account was charged for overdrafts in excess. I asked bankers to not authorize payments if funds were not sufficient. Then in in XX/XX/XXXX, Wells Fargo closed my credit card account that I have had since XXXX without my consent. I used the card regularly and the last 4 months before closing it was paid off every month.

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 2021-07-06
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: Account information incorrect

Complaint:
I settled my XXXX XXXX credit card charge off. XXXX XXXX did not report the change. I filed a dispute with the credit bureaus asking they correct or delete the inaccurate information. XXXX XXXX verified inaccurate information and the credit bureaus are refusing to correct or remove the inaccurate information. If this is not corrected i will seek a consumer protection attorney to pursue legal action for violation of the FCRA.

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 2023-11-01
Company: T.S. Holdings
State: DC
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Washington XXXX DC XXXX XXXX XXXX XXXX  SSN : XXXX IQ Data International Report Number : XXXX To whom it may concern : I recently received a copy of my credit report and found proof that you are illegally reporting inaccurate information about me. I reached out and requested proof of original ownership, my signature, and a license to collect in my state. I also contacted the original debt collector who stated everything was destroyed XXXX years ago and they are not obligated to keep anything past XXXX years. The following alleged collection account is listed as having a PAST DUE BALANCE of {$1300.00}. 
This is a violation of the FCRA and is in violation of requisite XXXX Complaint reporting standards. 
According to Fair Credit Reporting Act I have the right to a completely accurate credit report, and you are required to remove any information that is not true, verifiable, and accurate. 
Please IMMEDIATELY remove this account from my credit report and send me an updated report showing your compliance with all XXXX reporting standards and this account removed upon completion. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: VIRTUOSO SOURCING GROUP, LLC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
[ XX/XX/2023 ] Subject : Complaint against Virtuoso Sourcing Group LLC Dear Sir/Madam, I am writing to file a formal complaint with the Consumer Financial Protection Bureau XXXX CFPB ) regarding an issue with Virtuoso Sourcing Group LLC , a collection agency. I believe that the debt they are pursuing is not legitimate, and I am concerned about how they obtained my personal information.

Details of the situation : 1. Collection Agency Information : Name of Collection Agency : Virtuoso Sourcing Group LLC [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX ] ( XXXX ) XXXX ( XXXX ) XXXX XXXX. Alleged Debt : Virtuoso Sourcing Group LLC contacted me claiming that I owe an electric bill for an address in a different state. However, I have never lived at the provided address, and I am a resident of Texas. I believe this debt is not valid and is likely a case of mistaken identity or fraud.

3. Concerns about Information Handling : I am deeply concerned about how Virtuoso Sourcing Group LLC obtained my personal information, including my name and the last four digits of my Social Security Number ( SSN ). I have not had any prior dealings with the alleged creditor or provided my information for any such purpose.

4. Request for Assistance : I kindly request the CFPB 's assistance in investigating this matter and verifying the legitimacy of the debt claimed by Virtuoso Sourcing Group LLC. I am worried about potential identity theft or fraudulent collection efforts.

Enclosed, please find any relevant documentation and evidence that I have, including any records of communication with the collection agency.

I appreciate your attention to this matter and your assistance in resolving this issue. Please feel free to contact me at the provided email address or phone number if you require any additional information.

Company response to consumer: Untimely response
Consumer complaint received 2021-07-30
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Incorrect addresses are being reported on my credit reports that I never lived at. The only address that I would like to be reported is XXXX XXXX XXXX, XXXX, New York 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 2023-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
I have contacted TransUnion previously about the alleged debt showing on my consumer file from XXXX XXXX XXXX XXXX for {$29000.00}. This amount is reporting as a debt and not income. According to FCRA income is not suppose to be reported on my consumer file. I'm enclosing a copy of a letter from XXXX XXXX XXXX XXXX providing proof that a 1099 C was filed and therefore this amount needs to be removed from my consumer file immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-17
Company: Southwest Credit Systems, L.P.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I closed my account with t-mobile and returned the equipment. I got a bill from t-mobile with a XXXX USD balance on XX/XX/2023. I disputed this bill and provided proof of the return of the equipment and also submitted a complaint with the FCC ( ticket no XXXX ). 
On XX/XX/2023 t-mobile sent me the adjusted bill showing a XXXX USD balance ( scan attached ). 

A debt collector that identifies themselves as South West Credit called me on XX/XX/2023 on XXXX XXXX XXXX asking me to pay an amount of XXXX USD that I owe XXXX. I explain that I don't owe them anything and I got an adjusted bill. I feel I'm harassed and I would request your intervention.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: EQUIFAX, 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:
FCRA violations : inquires not mine XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXXXXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : payments never late XXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance {$18000.00} Status Open.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30
Company: Paypal Holdings, Inc
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/XXXX ; I initiated a PayPal Pay in 4 loan. I selected a direct ACH transfer from my bank. That option typically takes 1-3 days to process. On XX/XX/XXXX the money was successfully transferred to PayPal and I receive a confirmation. On XX/XX/XXXX I paid my 2nd loan payment. The next Payment Date is now XX/XX/XXXX. On XX/XX/XXXX ; they charged me a late fee of XXXX. On XX/XX/XXXX ; I was paid XXXX by an outside party through PayPal. PayPal removed that money from my balance without informing me and without leaving a paper trail. After that XXXX dollars were removed ; I was left with a XXXX cent negative balance. Upon writing this complaint ; I notice that PayPal has charged another XXXX as a late fee. 


( As a note : I asked for my ACH Transfer to be switched over to my card on the XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-04
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:
Hi CFPB, I XXXX XXXX do deeply apologize for the past complaints against XXXX XXXX XXXX and XXXX due to my lack of knowledge, though this complain is more about XXXX and equifax, they do not have the authority to make a report without any written consent, they made a report and technically stole my information and that is wrong please fix this with them so they can delete all inquiries, especially XXXX account, XXXX account had continuous charge offs past due amount of days. Please fix

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
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 this creditor has violated my rights under 15 USC 1681 section 6 o 2 states i have the right to privacy 15 USC 1681 section 6 O 4 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01
Company: Nelnet, Inc.
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
My student loans were transferred to Nelnet in XX/XX/2022. I have been making payments of {$500.00} to {$1000.00} per month and recently discovered Nelnet has only been crediting my loans with {$40.00} payments. I contacted Nelnet customer service weeks ago and provided them with printouts from my XXXX XXXX reflecting the dates and amounts of the electronic payments to Nelnet. As of today, Nelnet is unable to tell me where the missing funds are and why they haven't applied the funds to my loans. I received a call from customer service approximately two weeks after notifying them of the discrepancies and they informed me they have not made any progress in determining what has happened to the thousands of dollars I have sent them since they assumed servicing responsibilities for my student loans. I have researched this issue and discovered that this is not an isolated situation and countless other borrowers have complained of similar misconduct by Nelnet.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19
Company: EQUIFAX, 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 would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX acct # XXXX, Account name : XXXX XXXX XXXX Acct # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX Acct # XXXX, Account name : XXXX XXXX Acct # XXXX has violated my rights. 

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Account name XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX Acct # XXXX, Account name : XXXX XXXX Acct # XXXX has violated my rights. 

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-04
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On behalf of my Client  XXXX   XXXX   XXXX   XXXX  I applied for an SBA guaranteed working capital loan.     On no less than  7 occasions over the past four  months the loan committee has requested additional information, which they already had. These people were too lazy to look for the info they already had.     Additionally after two months they asked for cost of goods sold information when there is NO COST OF GOODS SOLD. This is a company that receives a commission for its sales to customers from a manufacturer. How stupid can these people be.

Company response to consumer: Closed with explanation