BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-29
Company: ADP Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
ADP is attempting to collect a debt not owed by myself ( consumer ). They have agressively garnished my wages from my employer at the percentage of 25 % since XXXX. I have called to speak with someone and was transferred to someone out of the country that could not help me. I sent an email and letter statting that I do not owe the debt.ADP is in violation of The Fair Debt Collection Practices Act. I do not owe ADP and have never entered into any agreement with this company. I demand all wages be returned to me with damages. 
I am requesting all wages stolen in the amount of {$890.00} I am requesting damages of {$100.00} per garnishment total {$1000.00} as per the congressional fine for such violations I request a Cease and Desist of all debt collection actions I request and apology for the financial harm and XXXX  distress these violations have caused for myself and my family.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting 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:
These loans from XXXX XXXX for XXXX ( Graduation in XXXX ) in XXXX, OH originated XXXX or XXXX years ago and reflect balances on XXXX from Direct Loans. They have been sold to several companies a few times over resulting in the dates being as recent as XXXX. They do not appear on XXXX at all. There has never been a single payment made on any of the XXXX accounts in question ( balances- {$1900.00}, {$1100.00}, {$3900.00}, {$4800.00}, {$7700.00} and {$9300.00} ). I contacted XXXX and was able to verify on the website that no student loan of any sort is listed in any of my accounts. XXXX has the XXXX above amounts listed ( I did make a dispute ). I spoke with the Department of Education and they attempted to scare me and bully me into making a payment or entering into a repayment plan, I declined to do either. The department of education also claimed that I owed over XXXX! I am unable to get a home loan for myself and my kids while I'm surrounding a divorce from my husband. I don't know where else to turn. Please 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 explanation
Consumer complaint received 2023-07-04
Company: TRANSUNION INTERMEDIATE 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 belongs to someone else

Complaint:
This is my second attempt since credit burea 's still have failed to respond to my previous disputes. This company is in direct violation of the FCRA and my consumer rights. I will be seeking monetary damages for willfull noncompliance and negligence if this matter isn't resolved immediately. 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. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX : # 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 2023-01-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Credit inquiries on your report that you don't recognize

Complaint:
I received an alert from XXXX that an inquiry was made with Bank of America for a credit card application on XX/XX/2023. I did not apply for this credit. I was advised by XXXX to file this report. I was also advised to contact Bank of America. I contacted Bank of America on XX/XX/2023 to report the fraudulent inquiry and the representative I spoke with informed me that no account currently exists in my name.

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 2023-01-10
Company: The Thomas Agency, Inc.
State: ME
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Ive attempted multiple times to dispute medical held collections held by the thomas agency and they have removed some from just one credit report but refuse to remove those same collections from the other reports as well in violation of the fair credit report act. As well as they have provided zero proof of debt for these debts and have refused to provide proof beyond stating i owe these debts to them. The lack of proper management and procedures to report debts and handle them has negatively impacted my ability to get loans credit cards and home loans. As well as forced me to take higher interest rates

Company response to consumer: Untimely response
Consumer complaint received 2015-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I am including documents showing my current credit scores, according to XXXX XXXX credit bureaus credit reports and scores, this is simply unfair, that XXXX XXXX still reports my Gold Card I still have with them as a negative account, and there is also another problem at my job they simply do n't care, and having all the evidence showing this is unfair, as the complaint number shown above here at C.F.P.B. shows, there is no need to write a lot here, just to show how this looks at the credit bureaus today, Wednesday, XX/XX/XXXX, XXXX Complaint submitted at Trans Union today, evidence included here. No matter it appears written that consumer disputes the account, that does not change the fact, the credit reports are not showing any evidence about why the dispute still exists, and the negative account is just as negative, and unfair in this case, that the credit report still appears affected, and, I am not able to pay now for the F.I.C.O version of Trans Union, the one used by banks most of the time, next XXXX XXXX to XX/XX/XXXX, the investigator at the U.S. Equal Employment Opportunity Commission said they should receive the first response from the local Department of Education, where I am suppose to be working and I am not, complaint at the E.E.O.C. is number XXXX, and there was no response from the local Dept. of Education since last XX/XX/XXXX, when this complaint at the E.E.O.C. was submitted, so is not only XXXX XXXX the problem. Trans Union complaint evidence, added in order to show this is reported at all XXXX main credit bureaus, including Experian also. XXXX XXXX canceled the pay over time, also called extended payment option the account, because of a negative report shown at XXXX according to their representatives over the phone, but the error only appears at the F.I.C.O. version of Trans Union as I detected and it is shown here. But no matter all the evidence included here, showing that XXXX recognized the error in writing, as the included e-mail clearly shows, and it is dated XX/XX/XXXX, and the dates shown at F.I.C.O. Trans Union match with this date, but someone has to take the time to verify all this, this ca n't be done automatically, because of this error, XXXX XXXX suspended the extended option called also pay over time feature of this gold card, no matter it is needed by so many of us as clients and they know it, they have experience with me of more than 24 years already. The student loan in question, that is the center of this error, was transferred to the US Dept. of Education, and it was reported as delinquent by mistake during this process according to XXXX, why this is not recognized, as it clearly shown by XXXX?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
XX/XX/2023 Wellsfargo and XXXX XXXX someone tried to open up an account fraudulently.

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 2023-01-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I am a victim of identity theft. 2 credit cards was opened under my name and ssn, Also hard inquiries from someone trying to get a car loan under my name and ssn.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-16
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I had an account with people 's trust federal # XXXX that is listed on XXXX and Equifax as a charge off account even though it has been paid. This account was paid 8-9 years ago and should not be on my report any more. I have disputed it several times to no avail. They have come back and stated that this account was verified but when i ask either the creditor or the credit bureaus for proof of the last date of activity i never get it. 

i 'm hoping you can help me resolve this as this is hurting my ability to obtain employment

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-08
Company: EQUIFAX, INC.
State: IN
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 did not read my request. It was clearly done by an automated system. My credit was dinged with multiple inquiries and the name on the inquiry is spelled wrong and is clearly not my current address. Equifax refused to rectify this

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I've requested original paperwork from XXXX XXXX as well as XXXX XXXX XXXX. Both could not provide me with anything that had my name, address, charges etc. I am not liable for this debt with XXXXXXXX XXXX and I do not have a contract with XXXX XXXX XXXX. They did not provide me with the original application as requested. Reported to the XXXX  when XXXX XXXX refused to give me any information and when I advised this may have been identity theft the gentleman called me a liar and threatened to have me arrested. I asked for his name and he refused. He never stated the name of the company I found it by looking up the phone number. Amount owed on transunion report shows {$770.00}, caller stated {$900.00} and then {$650.00} when I called back. Validated by XXXX and XXXX and removed. Transunion has still not removed. Please refer to 15 U.S. Code 1681- Congressional findings and statement of purpose. I demand that this be removed 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 2015-10-30
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I was initially suppose to get my annual free credit report but when it asked the security questions it stated that in my file i have opened some retail bank cards which i have not opened up please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-03
Company: JPMORGAN CHASE & CO.
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
My husband and I went bankrupt. The house was forclosed on, with a balance due us in the amount of approx {$67000.00}. They, unknown to us, were corresponding to a vacant house and mailed our check there. They they had our current phone and address. why woudl they mail it there and they had our lawyers name! WE have tried to track down the money. Chase opened a strange account in my name, depositing my money. Then are telling me its Purged??? Every person I contact, has a new story, no one can find the deposit. I attached the account number they opened the account in my name with and all limited documentation as my house burned down. I pulled the court record off the internet. Please help us. We are XXXX and XXXX. 
Kind regards, XXXX XXXX and XXXX XXXX ( XXXX ) XXXX XXXX XXXX daughter XXXX. 
XXXX XXXX XXXX, XXXX XXXX XXXX tx XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
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:
I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX XXXX XXXX [ XXXX ] Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-09-15
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I notified Experian and XXXX on XX/XX/2023 and informed them both I did not provide written permission to report the following account on my credit report, this account is a result of fraud : XXXX XXXX XXXX. I requested both Experian and XXXX to block and delete this account from my credit report within 4 business days. Experian and XXXX are in violation of FCRA 15 USC 1681b ( 2 ), as well as FCRA 15 USC 1681c-2. Experian and XXXX are continuing to report this account which constitutes a violation of FCRA 15 USC 1681n which is willful non-compliance.

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 2023-01-10
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here.

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 2023-01-24
Company: Experian Information Solutions Inc.
State: GA
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:
Sent letters to Experian, XXXX, and XXXX to investigate my accounts. It has been longer than 30 days. These consumer reporting agencies are in violation.

According to 15 USC 1681i - Experian, XXXX, and XXXX have 30 days to investigate and to send me the results. In addition, they failed to record the current status of the disputed information which is also a violation. 
Evidence attached. 
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 2023-07-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2021-05-12
Company: Guild Mortgage Company LLC
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
My name is XXXX XXXX XXXX XXXX address is XXXX XXXX XXXX XXXX XXXX. XXXX Texas XXXX. I'm reporting that in 2017 Guild Mortgage used false advertisement to deceive people to do business with them by persuasion of a fake {$6500.00} offer by advertisement at XXXX XXXX XXXX XXXX in XXXX Texas XXXX XXXX by rep XXXX XXXX. Then Guild Mortgage used XXXX XXXX a sales rep off XXXX XXXX XXXX XXXX in XXXX XXXX Texas to use deceptive trade practices and lie til the end and didn't deliver the {$6500.00} max of loans over {$300000.00} ( ours were {$400000.00} ). Then XXXX begs the consumers to give Guild Mortgage good reviews after he knew the home owners were glad to get it over with after 8 months claiming delays by XXXX XXXX XXXX permitt delays by XXXX XXXX mistakes. My wife and I was going with XXXX XXXX until XXXX XXXX along with XXXX XXXX kept pushing the {$6500.00} incentive of Guild Mortgage offer by flyers / advertisements in the model home by XXXX XXXX. My wife XXXX and I will testify we asked XXXX XXXX throughout the extended process in his office personally several times. What we was told was the money would be available at closing to ensure that the process was complete! But we were deceived because no one was at the title company at all like we were told! We didn't know the process was done by title personel only! When we complained no return calls. I went through XXXX and XXXX XXXX issues and 2nd XXXX, XXXX XXXX  from XXXX from the first XXXX and was medically unabled for quite some time and XXXX was priority. When we contacted Guild Mortgage with the proof of false advertisement Guild used the reviews that XXXX XXXX use to justify we were satisfied priod! Negliglecting and ignoring the FALSE ADVERTISEMENT GUILD USES TO CREATE BUSINESS FOR THEMSELVES DRIVING BUSINESS AWAY FROM THE COMPETITION!! REAL CRAFTY AND SHOULD BE ILLEGAL DECEPTIVE TRADE PRACTICES BY STATE AND FEDERAL LAW!!! I'M VERY UPSET THAT GUILD MORTGAGE WOULD TAKE ADVANTAGE OF A XXXX VETERAN ESPECIALLY AFTER XXXX XXXX DENIED THE SPECIAL RATE OF 3.25 % RATE THAT WAS INTITLED TO XXXX VERTERANS BY TEXAS XXXX XXXX AT THAT TIME PLUS ADDED POINTS DRIVING THE FINANCE RATE EVEN HIGHER! I STILL HAVE THE FALSE ADVERTISEMENT AND CAN SEND IT TO YOU!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
All accounts on my credit report failed to verify my alleged debt. Also furnished my credit report without my written consent. Pursuant to law 15 USC 1681.

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