BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-30
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XX/XX/2021 To Whom It May Concern : It has come to my attention that continued requests for removal of items that do not belong to me are still entered as accounts on my credit report. Negatively affecting my credit/life. You also have incorrect names and variations listed, which is not normal. This is an immediate request for removal and blockage of incorrect and mis-represented information. It seems that a new account not belonging to me is appearing every few days. There seems to be a high-level of incompetence at this company, as I have continued to submit a dispute every 30 days with part of the disputes being removed and the other half remaining. This is unacceptable! Please remove the incorrect information immediately from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
Kindly delete this incorrect account from my credit report. I never gave permission for its creation or use. I've attached the necessary documents to substantiate my claim.

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 2023-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 SHOWS MY SECOND MONTH AS BEING LATE. I can promise be when I made my first trip augment and it was after the two months it took XXXX  time send the first bill and the credit card. I called them and they said since it was an online sue of the card and bill being lost they would not report my credit as a late payment. So nce I saw they didnt d the third month I paid off what was left closed the account. They are perpetrating a crime by falsely reporting the date of the last payment that was either their fault or the US MAIL either way my derogatory remark needs to be removed and replaced showing all payments made on time since nce they told me on their records phone call for security and training that they would not show the payment late.

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 2022-02-03
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30
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 status incorrect

Complaint:
Account # XXXX my rights have been violated according to the FDCPA, 15 usc 1692. As the original creditor and natural person i did not give this company permission to report any of my personal information to any consumer reporting agencies. According to 15 usc 1692d ( a ) ( 2 ), a company can not report anything negative to my consumer report that will ruin my reputation. The FCRA, 15 usc 1681, states our consumer reports represent us. Therefore, they are ruining my reputation. this is false and misleading This alleged debt has not been validated, according to 15 usc 1692g it has to be validated for it to be put on a consumer report.

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 2023-01-01
Company: WELLS FARGO & COMPANY
State: WA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/2022, I fell victim to a XXXX scam where 4 transactions totaling {$3400.00} was removed from my account through XXXX network. I notified Wells Fargo immediately and they did an investigation. They informed me they wouldnt do anything.

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 2022-02-03
Company: EQUIFAX, INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX / XXXX / {$280.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) / XXXX / {$500.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the XXXX-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: National Credit Adjusters, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
To whom it may concern : My identity was compromised and I do not recognize this collection account on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Commencing on or around XX/XX/2022, I fell victim to a multi-layered scam operation run by XXXX which involved me making deposits for a total amount of XXXX USD from my Chase account to the fraudulent investment firm.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22
Company: Spring Oaks Capital, LLC
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Early XX/XX/XXXX, I received an invoice from Spring Oaks Capital LLC stating they " bought '' a debt from " XXXX  XXXX '' they were trying to collect on. I had never taken out such a loan nor know who XXXX XXXX is. I wrote on the invoice to send me the proof of validation, as well as letting them know that I did not take out this loan. I mailed it back and filed the FTC ID theft report. I emailed it to the Spring Oaks Capital soon after mailing the invoice back. I tried to call Spring Oaks a few times and left a message. No call back. Last week, I started getting calls from a " XXXX firm '' to call back. I didn't know who that was, so never called because I never heard from them. I didn't hear anything back from Spring Oaks neither until this weekend. I had gotten a notification that my credit report has a collections account on it. From Spring Oak Capital. This is after I sent in the ID theft report and tried to called. They never contacted me after that letter attempt. I resubmitted the ID theft report and now a XXXX XXXX Police ID theft report and emailed to Spring Oaks from my email address. I tried to call and left a message this weekend again. I emailed their customer service link on their page. No response. I have now filed a complaint with the XXXX and now the CFPB. They are trying to collect and bully me into paying them on an account that is not mine and was taken out without my authorization. I have been dealing with this ID XXXX since XXXX and the XXXX  incident. I am overwhelmed and stressed and my son was in a car accident a week ago, so dealing with that. I can not deal with Spring Oaks XXXX right now because they want a quick buck especially after I have told them numerous times and showed them the ID theft reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
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:
On XX/XX/XXXX I sent out letters certified mail to each credit reporting agencies regarding the inaccurate and incomplete accounts on my consumer report. I have received responses from each of them stating that they have completed the investigation and everything as accurate. 

This is false because there are numbers of inaccuracies and inquiries on my consumer report that still remain. 

XXXX. I never gave this creditor my written consent to run my credit, therefore, it is fraudulent and this is violating permissible purpose and needs to be removed. 
XXXX Date of inquiry : XX/XX/XXXX XXXX. I never gave this creditor my written consent to run my credit, therefore, it is fraudulent and this is violating permissible purpose and needs to be removed. 
XXXX Date of inquiry : XX/XX/XXXX XXXX. These late payments need to be removed because XXXX is reporting me being 30 days late in XX/XX/XXXX but XXXX and TransUnion are reporting I paid on time. 
XXXX XXXX Account Number : XXXX XXXX. These late payments need to be removed because XXXX is reporting me being 30 days late in XX/XX/XXXX but XXXX and TransUnion are reporting I paid on time. 
XXXX XXXX XXXX Account Number : XXXX XXXX. I am disputing this account for inaccurate information because you are reporting the date of the last activity incorrectly. XXXX is reporting the date of last activity as XX/XX/XXXX while Transunion is reporting XX/XX/XXXX and XXXX is reporting XX/XX/XXXX. Having the wrong date of last activity makes this account inaccurate because it does not clearly tell you when the account is supposed to fall off. 
XXXX XXXX Account XXXX : XXXX XXXX. This charge-off is past the statute of limitations in my state of Florida for them to legally collect from me. Since they can not legally collect from me, having a past due balance is inaccurate and illegally reporting since charge-offs can not have a past due balance. 
XXXX XXXX Account XXXX : XXXX They have failed to perform a proper investigation pursuant to 15 usc 1681 ( a ) ( XXXX ) ( XXXX ). 

I am now requesting the description of the reinvestigation procedure pursuant to 15 usc 1681i ( XXXX ). They have 15 days to respond the description or else above listed accounts need to be removed from my consumer report.

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 2021-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
Im filing this complaint due to the credit reporting agency 's failure to comply with the request for re-investigation of a written dispute requested on XX/XX/2021 ( XXXX ) and XX/XX/2021 ( Transunion ). Under current law they had 15 days to complete a re-investigation. According to the Fair Credit Reporting Act 15 USC 1681 I ( 6 ) I should have received a response letter no later than 5 business days after the credit reporting agency 's investigation was completed. It is past that time and I have not received a response. Now Im forced to spend money I really dont have to pay for certified mailing just to ensure I receive a response from them. 

My rights under Fair Credit Reporting Act 15 USC 1681 b ( a ) ( 2 ) Permissible purpose of Consumer Reports law are being violated. I did not give the credit reporting agency permission to report these items. In my dispute I requested corrections to inaccurate information or a deletion of the accounts from my report but neither was done. 

At this point, I am demanding the credit reporting agency to cease and desist from reporting these items. I demand they are immediately removed from my report. If they refuse to remove the items, I demand the credit reporting agency provide me with written documentation swearing under penalty and perjury laws they were there when the debts were established. I demand they also swear under oath that I signed for the accounts and I signed documentation agreeing to add their credit reporting agency to the account to be able to report them on my report. 

These erroneous entries are detrimental to my overall credit rating and has caused me severe financial and emotional distress. If this matter is not resolved through this complaint, I will pursue the enforcements of my constitutional rights via federal court proceedings. The information will come out through my formal discovery process, and necessary depositions. I have recently studied constitutional consumer protection laws along with civil/federal court procedures. If necessary, I will represent myself pro-se and formally request a jury trial.

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 2022-02-03
Company: AES/PHEAA
State: KS
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
Since XXXX til XXXX graduating I have never been made a payment because I couldn't afford to and they would always put my loan in a forbearance or a deferment. As well as since I graduated in XXXX. I am within 9 years of retiring and will not receive much due to choices I had to make to care for my family. During all this time I filed for bankruptcy twice and was always told that I couldn't include my student loans. I even received student loans in XXXX I was not entitled to per XXXX but yet they still gave me the funds to attend school. I now owe over XXXX. Only XXXX and something in interest. Although I consolidated my loans many times in order to just have one psyment. I have no idea how I'm going to afford this. I have XXXX every two weeks for medication food and gas and it is not always enough especially when a new medication is added for treatment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30
Company: PNC Bank N.A.
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
After falling foolishly for a cryptocurrency scam on XXXX I tried to recover my money I sent via XXXX to two different fraudulent accounts in the amounts of {$500.00} and {$2400.00}. I contacted my bank on XX/XX/21 to stop the XXXX payment as they were still pending. PNC bank said they couldnt intervene until the transaction went through, and then I could make a report to try and recover it after they investigated. On XX/XX/21 they closed their investigation and denied my request to recover the funds with no explanation beyond not seeing a reason to do so. They have since frozen my XXXX account, which is inconvenient because thats how I pay my rent, but I am working to get that resolved. 

The below is the details of the scam I provided to the FTC in my report So a friend of mine, XXXX, posted about some cryptocurrency investment on XXXX- I found out later his XXXX  account was hacked, and this was not him who posted this. I asked who I thought was XXXX about the post, and he directed me to someone named XXXX XXXX on XXXX who claims to be a cryptocurrency trader. This person claimed to work for a company coin-hourly that does rapid cryptocurrency exchange, something I know zero about. He told me to make an account with the website. I did. Then I was to send {$500.00} to XXXX XXXX via XXXX- the associated info is XXXX and phone number XXXX according to the XXXX account. This was supposedly his XXXX. Afterwards I sent {$2400.00} via XXXX as my investment to his associate XXXX XXXX- the email associated with that XXXX is XXXX. I received an email from XXXX saying that my investment had generated profit and for me to withdraw it I need to confirm my account and pay the commission of {$600.00} via the XXXX XXXX  to some account XXXX. So I did that. It all happened very fast - there was a lot of back and forth and screenshots shared between me and this XXXX XXXX person to move this all along quickly. I was suspicious but I messaged XXXX through XXXX and he reassured me multiple times, but I was suspicious because the pattern of response didnt seem like him. Then, I decided to message him instead through XXXX. At which point, the real XXXX told me that his XXXX got hacked the day prior and he was locked out of it, so whoever I was messaging with on XXXX was not him. I confronted this XXXX XXXX via XXXX to ask for my money back, and as expected that has not happened. Ive saved most of the conversation through screenshots if you need them Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: Experian Information Solutions Inc.
State: CA
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:
I found inquiries that dont belong to me

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 2023-03-09
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: 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 response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: Experian Information Solutions Inc.
State: TN
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 mom put me as a authorized user onto her XXXX XXXX XXXX but I didnt know or ask I wasnt aware so with that being said she fell behind on her card and its causing my scores to drop significantly I would like to be taken off as a authorized user and correct my scores please

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 2022-02-03
Company: EQUIFAX, INC.
State: IL
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:
to account type. These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I recently sent a dispute letter to Equifax on XX/XX/XXXX in regards to a previous car loan. I pulled my credit reports and noticed that Equifax was reporting an incorrect close date. Equifax reports a close date of XX/XX/XXXX. I received a new auto loan from my credit union on XX/XX/XXXX and this account showing was not closed until XX/XX/XXXX. This shows me that, although it was said that it occurred, the account has not been properly verified, and Equifax has not done its due diligence, and instead continue to respond to my disputes that the account has been " updated ''. They have continuously shared incorrect information although it has not been properly verified. As a result, I requested and asked that the account be deleted immediately.

Company response to consumer: Closed with explanation