BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-03
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
This complaint involves XXXX XXXX XXXX, XXXX, a debt buyer, fraudulently reporting itself as a Factoring Company in the Account Type section of my Experian credit report between XX/XX/XXXX and XX/XX/XXXX, relating to a collection ( Account # XXXX ). XXXX XXXX XXXX, XXXX is in violation of the FCRA and FDCPA by ever describing itself as a Factoring Company on my credit reports. XXXX XXXX XXXX, XXXX is junk debt buyer it purchases security interests in old, defaulted receivables. Factoring companies only purchase new receivables. On XX/XX/XXXX, I initiated a dispute with the XXXX XXXX XXXX of XXXX, Virginia, arguing that XXXX XXXX XXXX had since XX/XX/XXXX, been erroneously reporting itself as a Factoring Company on my Experian credit report. I included an attachment of my XX/XX/XXXX Experian credit report verifying my claims. On XX/XX/XXXX, XXXX XXXX, Regulatory Compliance Analyst with XXXX XXXX XXXX, responded to my complaint. XXXX claimed, XXXX has confirmed that it is properly identifying itself as a Debt Buyer to the consumer reporting agencies ... She goes on to write, XXXX does not control the way consumer reporting agencies report the information furnished by XXXX. Accordingly, any differences in their reporting of the information which XXXX furnishes is the responsibility of the consumer reporting agencies, not XXXX. This is a lie. On XX/XX/XXXX, I spoke with several Experian representatives who confirmed that Experian DOES NOT modify, change, amend, or alter any information furnished by a creditor. The same day, I submitted a rebuttal to XXXX  fabricated XXXX XXXX XXXX  statements, providing additional evidence that my XX/XX/XXXX Experian credit report still showed XXXX XXXX XXXX reporting itself as a Factoring Company. Tellingly, on XX/XX/XXXX, XXXX XXXX XXXX began reporting as a Debt Buyer under the Account Type of my Experian credit report. I confirmed with Experian on XX/XX/XXXX that this change in reporting was instituted by XXXX XXXX XXXX, not Experian. It is clearly evident that both XXXX and XXXX XXXX XXXX are lying, are/were in violation of FCRA and FDCPA reporting regulations, and need to be held accountable. I have attached the XXXX XXXX XXXX correspondence referenced above, in addition to attachments proving XXXX XXXX XXXX was reporting as a Factoring Company to Experian in XX/XX/XXXX and on XX/XX/XXXX. Ive also provided an attachment which shows how XXXX XXXX XXXX began reporting as a Debt Buyer on 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 explanation
Consumer complaint received 2023-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
SEE ATTACHED LETTERS In accordance with the Fair Credit Reporting Act the following reporting Agencies : XXXX XXXX XXXX, XXXX, XXXX and TRANSUNION, XXXX have violated my rights. 

15 U.S.C. 1681 Section 602a States : ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : 15 U.S.C. 1681 Section 602a ( 4 ). There is a need to insure thatconsumerreporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for theconsumers right to privacy.

15 U.S. Code 1681b 604- Permissible purposes of consumer reports.

15 U.S. Code 1681b 604 ( 2 ) In accordance with the written instructions of theconsumerto whom it relates. 
Pertaining to the word Accuracy : the information being providing is inaccurate. 

Fairness and consumers right to privacy : XXXX XXXX XXXX, XXXX, XXXX and TRANSUNION, XXXX are a For Profit Organization/Corporation/Agency that is providing private and inaccurate information that is tarnishing my reputation and is costing me opportunities. 

I did not give XXXX XXXX XXXX XXXXXXXX, XXXX and TRANSUNION, XXXX or its affiliates written instructions to furnish private information. 

Both together and separately my consumer and privacy rights are being violated.

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 2021-02-15
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
My company XXXX XXXX XXXX has a checking account with the Fifth Third Bank. 
On XXXX XX/XX/20 at XXXX XXXX  I sent them an email telling there were some fraudulent transactions with XXXX XXXX from people I don't know and asked them what I should do. 
They told me that I had to go to the Bank to close the account, but it could not be done immediately because these fraudulent transactions were in pending. 
On XX/XX/XXXX I went to Fifth Third Bank at XXXX XXXX to close my checking account, and the hackers had gotten more money from my checking account on the early morning on XX/XX/XXXX. 
For the protection of all its clients, the bank has to place these fraudulent transactions in hold as well as the part that corresponds to my debit card. 
An employee of the bank called the Fifth Third to the Dispute Center to report my situation, and the money still was pending on my account and they should have put in on hold while the investigation was on going. 
The bank had total control at that time to help me, but They didn't. 
That day the Dispute Center opened up 2 cases # s : XXXX XXXX XXXX and # XXXX XXXX XXXX. 
A hacker with the fictitious name " XXXX XXXX '' carried out 57 fraudulent transactions on the same early morning of XX/XX/XXXX, with 2 different amounts. Some of {$59.00} and others of $ XXXX.From the same hacker, the bank recovered {$1.00}, but the bank rejected 16 of the transactions for {$980.00}, and They did not give me any kind of explanation. 
I received a letter on XX/XX/XXXX in which the Fifth Third Bank required me to deposit the value of {$920.00} to cover the amount that the bank did not recover. 
From the first case, {$260.00} were recovered, but from the second case, I lost the amount of {$980.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my second-time requesting that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX  XXXX, MI XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$790.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$250.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$270.00} XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-16
Company: GOLDMAN SACHS BANK USA
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I have an Apple Card by Goldman Sachs. There is 0 % installment advertised everywhere if an apple device is bought. I bought an IPhone and told the person at apple that would be an installment plan. He said fine and I used applecard to pay. I was ok to purchase the device because this was going to be paid over 24 months with 0 % interest. But then I realized the full amount on the credit card was withdrawn as payment from my checking account. The bank account was about to be overdrawn. I called, messaged several times and spent hours on this issue, escalated to the supervisors but they researched the issue for 15 days and came back with an answer that they did not do any wrong and money was not returned. More interestingly they opened an installment plan. I am not sure what will happen next. Will they charge for the installments every month. They never get this. This is the worst credit card company I ever dealt with. Never trust Apple card or Apple services.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-03
Company: WELLS FARGO & COMPANY
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I had {$300.00} stolen out of a Wells Fargo ATM. 

On the evening of XX/XX/2023, I stopped at a drive-through Wells Fargo ATM XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX. There was a silver truck in front of me. When that silver truck pulled away, I pulled up to the ATM. As I was doing a cash deposit, that silver truck pulled up behind me. I somehow left without my ATM card, I believe I either set it on the hood of my car and drove away or it slipped out of my pocket. Either way, I left the ATM without my debit card. {$300.00} was taken out of the ATM that evening or night and the truck behind me XXXX have installed a skimming device to get my pin. I did not enter my pin and withdraw {$300.00}. 

I filed a claim with wells fargo on XX/XX/2023. They denied my claim. When I called to ask why, they refused to elaborate. They gave me no explanation, gave me no evidence, and refused to describe how they investigated the incident. It's not clear if they even investigated the fraud claim at all. 

On XX/XX/2023, I filmed a police claim with the XXXX police department. Claim # 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 2023-02-06
Company: Kinum, Inc., Indianapolis, IN Branch
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10
Company: EQUIFAX, 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:
My name is XXXX XXXX XXXX. I am writing this complaint myself, there is no third party involved. After reviewing my most recent credit report from EQUIFAX I noticed fraudulent and unauthorized inquiries on my report. I have filed an FTC report and sent EQUIFAX a handwritten notice and identification ( tracking # XXXX XXXX XXXX XXXX XXXX ) with instructions to delete 8 fraudulent and unauthorized inquiries within 4 days, pursuant to 15 USC 1681c-2. I am demanding the immediate deletion of a collections account for {$240.00} listed with incomplete information. I do not recognize it as an obligation of mine. 
There is no creditor listed and no contact information to inquire for more details. It is impossible that EQUIFAX could have validated and verified this account before reporting it without detailed information on the creditor and the account. In addition, I am also requesting a full record of how the collection account from XXXX XXXX was validated and verified. EQUIFAX must prove to me that they are in full compliance with the FCRA and FDCPA, as I'm aware that credit reporting is voluntary and not mandatory, I do not recall giving XXXX XXXX written permission to report private potentially negative information to a third party, nor did EQUIFAX receive such consent from me. It is against federal law to report alleged debt when the account has not been properly verified and validated with original documentary evidence. EQUIFAX must provide me with such documentary evidence or remove the XXXX XXXX account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
Company: Experian Information Solutions Inc.
State: NC
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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2021-06-03
Company: EQUIFAX, INC.
State: NY
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:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09
Company: ENCORE CAPITAL GROUP INC.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Hello and how are you? Listen, I was going through my credit again, and noticed several variations on the way this account is reporting on my credit file. How is it possible all the 3 major credit bureaus are reporting wrong date of last activity, wrong reporting date, wrong balance, etc? I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
Company: EQUIFAX, INC.
State: PA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX a company by the name of XXXX XXXX withdrew {$230.00} from my account without my permission. I put in the claim dispute with USAA. They went ahead and opened an investigation and never asked me for any of my paperwork or my statement instead they accepted the merchants paperwork and deemed the investigation closed and allowed them to withdraw the money. I have asked on multiple occasion since XX/XX/XXXX to speak to a supervisor to go over the paperwork provided by the merchant and as of today XX/XX/XXXX that request continues to be ignored. I have told them I havent done business with that merchant since XX/XX/2021. I asked them to confirm through their updater system if thats how the merchant was able to charge the new card and that request has been denied and rejected. I told them I didnt even receive whatever XXXX  the merchant is claiming to have shipped and I just want them to do proper investigation. Unfortunately I have gotten no help at all even though Ive spoken to multiple representatives and Im just being ignored. I told them at this point I would need to file a complaint with the CFPB because no one is willing to help me out with this fraud on my account and the last representative by the name of XXXX just said go ahead then.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2018-11-09
Company: EQUIFAX, 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:
Equifax was provided with a police report regarding me being a victim of fraud. XXXX XXXX ( XXXX XXXX ) in the amount {$620.00} has continued to report this account disregarding my disputes. There was another account from XXXX XXXX XXXX, XXXX that was removed from my credit reports, however this account in dispute continues to be reported. If one account is deemed fraudulent and removed how is it that this account continues to be reported. XXXX and XXXX   removed both fraudulent accounts from my credit reports, however Equifax continues to report this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: HW Holding, Inc
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have disputed this account many times. Company has failed to provide any proof that i owe this debt. They removed the account from my report and added it back 9 months later with a renewed date on the account. I believe they are illegally renewing the statute of limitations on this account, they have already illegaly failed to stop calling me, at which one point a representative said they did not receive my letters and my credit will be damaged if i do not pay. I am aware of my rights and understand if I pay any collection whether owed or not, it will not help my credit score. I do not believe I owe this account, they have not provided any proof, and their means of collections could be considered harassment and illegal.

Company response to consumer: Closed with explanation