BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-17
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

XXXX XXXX ; XXXX, XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$5800.00} ; XXXX XXXX XXXX XXXX Balance : {$2500.00} ; XXXX XXXX  XXXX Balance : {$2500.00} ; XXXX  XXXX Balance : {$100.00} ; XXXX  XXXX Balance : {$64.00} ; XXXX XXXX XXXX XXXX Balance : {$11000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
Company: PORTFOLIO RECOVERY ASSOCIATES 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: Account information incorrect

Complaint:
As the original creditor and natural person, I did not give these companies consent to furnish my consumer report. In order for this account to be put on my consumer report and file that means the account had to have been validated. No one but me can validate a date. Therefore, these companies are violating my rights. I have attached documents that were sent certified mail. They have yet to comply.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28
Company: NCB Management Services Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Advised NCB Management of the account attached to my social was a result of identity theft but the company continues to report this fraudulent information

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08
Company: SYNCHRONY FINANCIAL
State: IL
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:
Syncb / TJX XXXX XXXX opened : XXXX Amount : {$1800.00} Account opened fraudulently I have personally contacted this company listed and filed police and identity theft reports showing that I no longer nor was I living at the address that they have listed at the time that this fraud occurred furthermore my phone number and other information that they have does not match my information. These items are currently reporting to the XXXX and XXXX Credit bureaus and I would like them removed.

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 2023-08-23
Company: LEXISNEXIS
State: TN
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:
On XX/XX/2023 I mailed a letter certified to the United States Bankruptcy Court XXXX XXXX XXXX Mississippi asking about reporting information to the reporting agencies and the letters that I received stated they do not report. With that being said how did these credit agencies verify this info as 100 %? Clearly they never did an actual investigation according to the USC 1681.

According to USC 1681 Section 603 ( 3 ) E states that the term " investigative consumer report '' means a consumer report or a portion thereof in which information on a consumer 's character, general reputation, personal characteristics and mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others he is acquainted or may not have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor or from the consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They violated my rights several time.

They violated my rights under 15 USC 1681.

According to 15 USC 1681 sec 602A I have the right to privacy.

According to 15 USC 1681 Sec 604A Sec 2 : It states that a consumer reporting agency can not furnish an account without my written instructions.

According to 15 USC 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or have reason to believe the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-02
Company: WELLS FARGO & COMPANY
State: KY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Wells Fargo Auto Loan # XXXX I am the Administrator of the Estate. Loan is two years old and current as of date of death. The customer died on XX/XX/18 the XX/XX/XXXX payment was paid on time. 

Contact was made with Wells Fargo on XX/XX/XXXX. I was told hey would not speak with me until they had a death certificate and a Court Order appointing me as Administrator of the estate. 

The case was filed in Probate Court and a hearing scheduled for XXXX. The appointment was made and certified COURT ORDER along with a CERIFIED Death certificate was emailed to Wells Fargo on XXXX. 
Another call was placed on XX/XX/18 I was told they did not received my initial email after a two hour run around between four departments and numerous rude people SCREAMING AT ME, none of these employees would provide any information as to how to pay the loan off and get the lien release to clear the title. 


A second email was sent on XX/XX/18 with above requested documents along with a request for instructions on how to payoff the loan and have Wells Fargo send a lien release. I was sent to a department called " The Customer Assistance Team '' a girl who identified herself as XXXX got rather rude with what I considered a routine request as yelled at me That I would not control the conversation. 


Realizing that conversation was going to go nowhere and being worn out now from about ten hours either on hold or being yelled at and transferred amongst departments I asked to speak to the president of the bank I was then hung up on. 


On the evening of XX/XX/18 I heard a strange noise in my garage. Upon investigating the noise thinking it was a thief I found myself pointing my XXXX XXXX XXXX at a Wells Fargo agent who said he was there to steal the car. He made a very sound decision and left my property.

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 2022-11-21
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 FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 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 are not relating to any transaction by the consumer. 
XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX Owed XXXX {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$10000.00} ; XXXX XXXX XXXX XXXX Owed : {$49000.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX XXXX  Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX CO XXXX Balance Owed : {$300.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX  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 2022-02-28
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: Account information incorrect

Complaint:
As the original creditor and natural person, I did not give these companies consent to furnish my consumer report. In order for this account to be put on my consumer report and file that means the account had to have been validated. No one but me can validate a date. Therefore, these companies are violating my rights. In the attachments i uploaded the documents of me send them documents certified mail. and they have yet to comply

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-21
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
CCS Collect Debt Collectors have added a Collections account to my credit report with XXXX, XXXX, and XXXX  that does not belong to me, is NOT my debt and SHOUD NOT be reported on my credit report, especially as a COllections account. Had CCS done even the minute amount of Due Diligence required in verifying debt, it would have known that this collection for Lab Work for XXXX XXXX is NOT MINE. Had i ever received a bill from XXXX, it would have been paid. Had I ever received ANY form of communication from CCS ( including debt verification - which I did NOT ), I would have immediately contacted them and disputed the debt. As i never received any form of collection debt notice or verification required under the FDCPA and the FCCPA, I was unaware of this " debt collection '' until i saw the erroneous Collections alert on my credit report. As I am in the process of qualifying for a new lease, this has caused me monetary damage, loss of time in dealing with this issue, loss of income, among other damages. If this is not IMMEDIATELY removed from my credit report ( I have already had it removed from my XXXX report but remains on my XXXX and XXXX ), I will be seeking legal counsel advice and I will sue CCS and XXXX XXXX for violation of the FDCPA, and the FCCPA.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: TD BANK US HOLDING COMPANY
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 XXXX and XXXX 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 accounts as unverified information without providing any proof within the period allowed by law. This account need to be investigate and corrected for erroneous reporting in my file are listed on my credit report : TARGET/TD XXXX Date OpenedXXXX  Balance : {$430.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
I have paid my credit card bill of amount of XXXX $ to XXXX XXXX before i closed my account they are reporting my credit agency to transunion as not paid which is not right i have proof of payments made still my credit report transunion is showing unpaid i want to get it removed so my credit score gets fixed thanks

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-23
Company: Chime Financial Inc
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/XXXX, Chime Financial , Inc placed a suspension on my account. They stated the reason for the suspension was to verify the source of funds. The deposit was from my XXXX Income tax. All documents that Chime Financial , Inc requested were provided on multiple occasions. After a couple of weeks of calling and sending the same documents every day, Chime Financial , Inc closed my account stating they could not verify, and no refund can be given. I am placing this complaint because I sent everything that was requested for verification with no resolution, resulting in me being months behind on my bills because I have lost the rights to my own money. 



Date Suspension was placed : XX/XX/XXXX. 

Amount of loss due to closure : ( Approximately ) {$11000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-04
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In XX/XX/XXXX I was notified by XXXX that someone was attempting to open a XXXX XXXX account and a XXXX account in my name. XXXX stopped it, but the criminal apparently opened a bank account in my name and has bounced checks in my name. The original credit grantor AND their collection agency have been provided proof of the identity theft. 

On XX/XX/XXXX, they BOTH, in writing, promised to remove this account from my name and credit report, yet I received a letter today ( XX/XX/XXXX ) that is dated XX/XX/XXXX, that boasts that they are still reporting this fraudulent account on my credit report. 

They have been provided proof, they accepted that proof, they promised to follow the FCA and remove the fraudulent information, and are now willfully breaking the laws that are in place to protect consumers by continuing to report what they know to be a fraudulent account on MY credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX XXXXXXXXr PLEASE HELP ME PLEASE im depressed now.with no 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 2023-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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: Their investigation did not fix an error on your report

Complaint:
I would like you to remove all these inaccurate accounts some credit bureaus have entered on my credit report. I never authorized them nor anybody to add these incorrect and misleading items on my credit report. I kept on contacting their department since the month of MAY and they never even bother to give me the resolution I needed. I kept disputing these accounts ( see attach letter file ) and still I have never received any progress with my disputes.

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 2022-12-13
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:
XXXX XXXX is showing I have a charge off with them for Experian and XXXX only. This is inaccurate and they have not provided validation for the account below. I am requesting that this account be deleted from credit report. 

I need to refile this complaint about Experian. In my own words, Experian has not responded, they have not provided dispute results, they have not conducted an actual investigation, AND they refuse to remove this inaccurate account. Let me also mention they I have sent them multiple pages of my identification requesting that Experian remove inaccurate names and addresses. That was not done. I supplied documents from the creditors and everything. This makes no sense. I've done a lot of research online and I know this is not how disputes are supposed to go. 

Thank you so much, 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 2023-03-11
Company: EQUIFAX, INC.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have received several letters in regards to a collection from XXXX XXXX XXXX XXXX XXXX XXXX ). I noticed a few inaccuracies in these letters. This is addressed to XXXX XXXX XXXX but the original account belongs to XXXX XXXX. My name is XXXX XXXX XXXX Not the name listed on the account/letter. I am also disputing this because my consumer rights have been violated. I was informed that collectors can not contact consumers, 15 USC 1692c ( a ) - Communication in connection with debt collectors. I have received MULTIPLE letters in regards to this inaccurate account which leads me to the next violation. I feel as I have been harassed, 15 USC 1692d states that collectors are not to harass consumers. I currently reside in XXXX, TN. This collection agency is in XXXX, IL. This is considered another violation, 15 USC 1692b ( 2 ) acquisition of location. PLEASE remove this account so I will stop being harassed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: CITIBANK, N.A.
State: NC
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
They were asking for closing cost even before I found the house. I was just trying to get a pre approval

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 2022-12-13
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
The following credit inquiries are not authorized by me and In Accordance with the FCRA section 611 for inquiries this companies violated my consumer right. 
XXXX XXXX XXXX XXXX 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 2021-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of Identity Theft and have extended fraud alerts which I will admit does help protect my credit by declining credit applications but nothing is done about the inquiries from the attempts at getting credit in my name. The accounts are getting denied but the inquiries are remaining ; I have sent my police report, identity theft report and proof of ID to all bureaus requesting those inquiries are removed and they always fail to respond to me or remove the inquiries.

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