BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-15
Company: TRANSWORLD SYSTEMS INC
State: DC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was just notified of a debt collection that is not mine. The debt collection agency name is TRANSWORLD SYSTEMS INC and the amount owed is {$37000.00}. According to my XXXX credit report, the collection account was opened on XX/XX/XXXX. The original creditor is listed as XXXX XXXX. This looks to be an apartment complex in XXXX XXXX, Georgia ( XXXX XXXX XXXXXXXX ). I have never lived in Georgia. I live in Washington , DC and can provide my apartment lease and utility bills upon request. I have lived in the same apartment in DC since XX/XX/XXXX. This is now the FOURTH APARTMENT that has been rented in GA using my identity since XXXX. I am truly astonished that my identity is continuously being stolen by someone in Georgia despite the security freeze and fraud alert on my credit. I previously submitted a CFPB complaint in XX/XX/XXXX for two other fraudulent accounts/ collections ( complaint no. XXXX ). The XXXX XXXX XXXX XXXX collection ( XXXX XXXX in GA ) was confirmed as fraud in XX/XX/XXXX ; I received an official fraud confirmation letter. The XXXXXXXX XXXX XXXX XXXX XXXX ( XXXX XXXX, apartment in GA ) is still under review. I called XXXX today for an update as I completed and mailed XXXXXXXX XXXX Fraud Affidavit in XXXX and provided all requested supporting documentation ( current lease, 1.5 years of utility bills, copy of Driver 's License, etc ). XXXX received the packet in XXXX. It has been XXXX months and I have yet to hear back. I was provided an email address today and sent an email requesting a status update. My identity was first stolen in XXXX and used to rent an apartment in Georgia ( XXXX XXXX XXXX XXXX ). The debt was confirmed as fraud and cleared from my credit in XX/XX/XXXX ; I received an official fraud confirmation letter. Please let me know if any other information is needed. It is completely unacceptable that my identity is continuously being stolen and used to rent apartments/ open accounts in GA!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I received a copy of credit report XX/XX/2021 from XXXX I have seen 2 phone number, one of them is not mine. Unknown phone number that I find in my credit report file is XXXX. I didnt give permission to someone else to get information or to do something else in my file under my name. Since couples months I have seen that someone is using my sensitive information to get my background check or to check my credit score. 
Also, from app XXXX I got dark web alert that means someone used my sensitive information to check my credit scores and more. Please after your information may I know your decision about who is owner of XXXX. 
Thank you in advance!

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 2021-05-13
Company: EQUIFAX, INC.
State: SC
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 submitted my first dispute on XX/XX/XXXX to the credit bureaus they replied that the fraudulent unauthorized information was verified. I then submitted another dispute XX/XX/XXXX in regards to them providing me proof on how they verified the accounts I reported were fraudulent and unauthorized. I haven received any verification or response in the past 54 days! This is absolutely unacceptable and in violation with the FCRA. I submitted a third dispute following up with their method of verification on XX/XX/XXXX and never received a response or any contact in regards to that dispute which involved the credit bureaus reporting fraudulent unauthorized accounts on my credit report. The credit bureaus are in violation of Section 623 of the FCRA and Regulation V that states furnisher must not furnish inaccurate consumer information to a CRA, and that furnishers must investigate a consumer 's dispute that the furnished information is inaccurate or incomplete. I will bring this matter to the attention of the better business bureau and the office of attorney general of SC. Ive been affect by the XXXX Equifax data breach as well had my identity stolen. Their is obviously someone using my identity to do things I have not authorized. As the original creditor, only I can validate these accounts. I do not validate these accounts. Therefore, the following accounts must be deleted from my report. I will also seek litigation and {$1500.00} per violation for Defamation, Negligent Enablement of Identity Fraud, Violations of 15 U.S.C 1692g if these accounts are not deleted immediately off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
Company: VW Credit
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I lost 3 cars in Hurricane Ida on XX/XX/XXXX. Two cars were dealt with expeditiously. That was not the case with my XXXX XXXX XXXX, leased through VW Financial Services. The car was insured by XXXX. Here is a time line of the frustrating events : XXXX Car declared a total loss by XXXX XXXX I requested a payoff letter from VW Credit XXXX XXXX sent the exact amount of the payoff letter to VW Credit XX/XX/XXXX VW Credit cashed the check VW has insisted on XXXX, XXXX AND XXXX monthly payments, on a paid-off car I have made all those payments Since XX/XX/XXXX I have been on the phone numerous times with VW Credit and now they are trying to say that an insurance payoff is {$6000.00} more than the payoff they quoted me, in writing, verified, and they cashed the check from XXXX. 
VW Credit is not releasing the title. Additionally, wait times to contact them run from 35 to75 minutes just to get an agent. My credit score is XXXX, so I am vigilant in keeping all accounts current.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-09
Company: EQUIFAX, 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:
Hello, I sent letters out on XX/XX/2021.Huge violations are being broken by reporting inaccurate information on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I received a copy of credit report XX/XX/2021 from Transunion I have seen 2 phone number, one of them is not mine. Unknown phone number that I find in my credit report file is XXXX. I didnt give permission to someone else to get information or to do something else in my file under my name. Since couples months I have seen that someone is using my sensitive information to get my background check or to check my credit score. 
Also, from app creditwise I got dark web alert that means someone used my sensitive information to check my credit scores and more. Please after your information may I know your decision about who is owner of XXXX. 
Thank you in advance!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
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:
My consumer report contain errors, inaccuracies, and outdated information that can harm my credit score and financial reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: Experian Information Solutions Inc.
State: NJ
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 Reporting act the below listed have violated my rights : 15 U.S. Code 1681 section 602a. States I have the right to privacy.

15 U.S. Code 1681 section 604a : It also states a consumer reporting agency can not furnish a account without my written instructions. 


Name to be deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S. Code 1
681a

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 2023-02-14
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:
On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Date Updated : XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : 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 explanation
Consumer complaint received 2022-02-02
Company: Exeter Finance Corp.
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have a loan with Exter Finance. I make double my monthly payments and I have repeatedly asked for the extra payments to be applied to principal only. They say they will and it never is applied to the principal and nobody will actually fix it even though they say they will every time I call. There is also no option to view how my payments are applied until after my statement is released each month so I am unable to verify anything until well after payments are made and applied. 

When I have spoken to someone with any ounce of compassion who did try to help, I was told that I incur a {$7.00} a day interest fee no matter what and that's why it won't apply. This is 100 % predatory lending and illegal. My initial payment legally goes to my interest & principle, but any additional payment should go to principal only, when requested to do so

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: TapTap Send Inc.
State: DC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
XXXX XXXX XXXX I sent {$500.00} to a personal friend in XXXX using Taptap send I sent via XXXX but TapTap Send sent it via XXXX so the money never was received by the Recipient. I contacted TapTap Send and explained to them they made a mistake. My Recipient Sent me a copy of his Bank account statement stating that no funds were received on that day. I've contacted TapTap Send Over and over an they keep telling me to be patient they are waiting to hear back from a 3rd party, Its been since XX/XX/XXXX I think I've been patient enough I've contacted them Via Email a numerous times and telephone but always the same we are working on it. I don't have {$500.00} dollars to throw away.I just want my Refund Back

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-22
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
I have contacted Experian and XXXX XXXXXXXX XXXX about two accounts that showed up on credit report XX/XX/2022 that were old accounts that show I owe nothing and keeps appearing, I have contacted XXXX XXXXXXXX XXXX  every month and they have stated several tines that they have informed Experian for multiple months that I am not responsible for a balance and it should not show. I has now been FOUR ( 4 ) months that this has caused me to be denied lending because of this. Due to this going on for several months and EXPERIAN REFUSES TO COMPLY WITH THE LAW AND DO AS XXXX XXXX REPORTED I believe the law says it is to be deleted from my credit report. This has caused me four months of stress and has now caused medical issues as I am trying to get things done with my life and they are causes an hindrance to my future.

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 2022-08-12
Company: E Mortgage Capital, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
XXXX and XXXX are very deceiving. He promised to pay me which I never got paid. He then got his lawyer to email me to stop asking about where my money is. I have recorded conversations of him promising to pay me and never did. Please help me or let me know who to go to.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
It was too hard inquiries on my XXXX XXXX from Equifax. Ive had identity theft from Equifax from their breach, I even had to do a two way authentication after finding out the cards open on my name. 
XXXX XXXX XX/XX/XXXX - hard inquiry XXXX XXXX XX/XX/XXXX -hard inquiry XXXX XXXX  XXXX XX/XX/XXXX {$1000.00} XXXX XX/XX/XXXX {$1400.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-24
Company: Nelnet, Inc.
State: VA
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:
Automatic payment did not process on date selected leading to interest building on incorrect amount and past due. Had to make another payment to make the due date. Waited on hold 3 hours, no answer from helmet nor any response from my email.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
Company: Army and Air Force Exchange Service
State: SC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I have gone back and forth with Military Star, XXXX  ( Store ) and AAFES. Each has said I need to contact the other. I have been charged for furniture that I never received. According to he FTC, this is illegal. Yet they put it on my credit report and then had my taxes garnished as well as my XXXX. Basically I feel that even though I have told all three the error, each wants to pass the blame on the other and still put it on my credit report and take my money for merchandise NOT received. I have made it crystal clear many times that this is the fact. Yet they illegibly took the money anyways. I have sent emails to several government offices for help and am asking for interest and fees as well as for damages done to my credit. 
All agree it is a mistake, but none want to correct it and continue to cause me harm, so I will be perusing every legal channel possible. I've written and spoken in person and on the phone several times to different parties. Again, everyone agrees it is a mistake and act shocked that I am billed for something I didn't receive, but no one wants to correct the problem.

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 2023-11-20
Company: WELLS FARGO & COMPANY
State: CO
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Wells Fargo Bank -attempted a wire transfer from my savings account on XX/XX/XXXX. The account was then shut down and I was unable to do any online banking until I came physically into a wells fargo bank site and verify my identity. I did this on the following Monday XX/XX/XXXX and spent over an hour and XXXX on the phone with the fraud department explaining the purpose of this wire. They stated they were investigating the wire and would hold funds until cleared.I called again on XX/XX/XXXX asking for the return of my funds as wire did not happen and was told I had to file a claim. I asked for a return of my money to my bank account that day as well. The claim number ID is XXXX. The rep I spoke to stated it would be refunded within and could take a maximum of 10 days. Today is XX/XX/XXXX and I still do not have MY MONEY back into my account. I have bills coming due and do not have the funds to pay so this issue will make matters much worse for me. This is illegal and needs to be taken care of 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 monetary relief
Consumer complaint received 2022-10-16
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: Account information incorrect

Complaint:
XXXX XXXX XXXX stated that payment was late 30 - 59 days late and that is false. I am current I talked to manager XXXX and he stated they will fix the issue. Months later I still see missed payment.

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