BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-18
Company: FC HoldCo LLC
State: OH
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 have no relationship with this company and did not authorize this inquiry.

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 2021-07-31
Company: EQUIFAX, INC.
State: NV
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:
Inquiries below ain't mine they are fraudulent. Please remove as soon as possible. They should not be on report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I told XXXX, XXXX and Equifax to please investigate this account : XXXX XXXX XXXX ; Account number : XXXX. They stayed this account was verified and accurate. However, I found several errors reporting on this account ... A closed account should not be reporting late payments after the date closed, should not be reporting a monthly payment due and past due accounts!!! 
I want this account deleted/removed from my consumer report. 
15 USC 1681 602 A. States I have the right to privacy.

15 USC 1681 A Section 2 States a consumer reporting agency can not furnish information on my consumer report without my written consent.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-03
Company: EQUIFAX, INC.
State: SC
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 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : - XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$460.00} XXXX XXXX XXXX XXXX XXXX  Balance XXXX {$460.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  Balance : {$460.00} XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-31
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: Old information reappears or never goes away

Complaint:
In response to my previous complaint the credit bureau advised that the data providers confirmed that reported info is accurate. However, they did not provide any evidence nor did they indicate when the old information will be deleted according to their records as it is over XXXX XXXX XXXX. Therefore, please re-investigate and delete the following account as the last payment on this account was made more than 7 years ago : XXXX XXXX XXXX  account 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 2021-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
Inquiries below ain't mine they are fraudulent. Please remove as soon as possible. They should not be on report. XXXX XXXX, XXXXXXXX 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 2021-07-31
Company: EQUIFAX, INC.
State: NV
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:
They are reporting inaccurate accounts on my credit report. XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-03
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Balance : {$2600.00} ; XXXX XXXX XXXX Balance : {$1300.00} ; XXXX XXXX XXXX Balance : {$1400.00} ; XXXX XXXX XXXX XXXX Balance : {$850.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$2400.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$230.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$6600.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-25
Company: Bread Financial Holdings, Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/XXXX my bank XXXX XXXX XXXX sent a payment to comenity bank for my bjs credit card. The payment was for {$4200.00}. On XX/XX/XXXX it was cashed by comenity and taken out of my checking account. On XX/XX/XXXX, I got an email from bjs showing my bjs bill was {$4500.00}! I called up comenity and they say they never received payment but it was taken out of my account! I went to my bank XXXX XXXX XXXX and got a copy of my check front and back showing it was cashed by comenity. I called again comenity and was passed around until I was told to make a dispute and send the copy of the check which I did. I call everyday and was told they will not credit my account until the dispute is resolved! They say it could take up to 60 day! Can they do this? I feel this is ILLEGAL! THEY CASHED THE CHECK. THEY GOT THEIR MONEY! Can you help me please.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-03
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: Information belongs to someone else

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted from erroneous reporting in my file are listed on my credit 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 XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-23
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I have tried I'm still remove my address off of my credit report wrote letters and still nothing. at this address is not valid XXXXXXXX XXXX XXXX XXXX XXXX # XXXX XXXX Texas XXXX This need to be removed I have reported to remove from XXXX report. I gave wrong address before

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13
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:
There are 5 accounts on my credit report that are not mine they do not belong to me I have not signed used or approved for these accounts this is clearly identity theft and I need this taken care of asap. 

Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX SVCS  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14
Company: Io, Inc.
State: MD
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on REC MGM SYS. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
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: Reporting company used your report improperly

Complaint:
unauthorized inquiries on consumer report as well as collections holding me back from my future

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31
Company: CURO Intermediate Holdings
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
1. I talked to customer care onXX/XX/XXXX

2. Sent an email to fraudulent dept. of speedy cash on XX/XX/XXXX3. Talk to Collection agency on XX/XX/XXXX. Ask me. ' whatever you like can do '.

4. Sent Letter to CFO of Speedy cash on XXXX To Mr./Mrs XXXX XXXX Dated XXXX XXXX Chief Finance Officer Speedy Cash XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 


Reg : Fraudulent activity in my Name/ Amount {$2000.00} and {$5600.00} on XX/XX/XXXX & XX/XX/XXXX respectively. 
1. I had an old account in speedy cash when I was in XX/XX/XXXX. Now it is blocked.

2. I leftXX/XX/XXXX 07 years ago. I am surprised, how the transaction took place? Involvement of inner staff can not be rule out as well as an identity theft.

3. I spoke to customer care executives, they say transaction took place online.

4. If it is online, then which bank account amounts were deposited, please verify and inform me.

5. Without contacting me how it had gone to collection? Only now {$2000.00} had gone to collection, But, {$5600.00} is with them, not yet send to collection.

6. I want collection accounts are removed immediately from credit bureaus.

7. For this mental agony, harassment, disrespect why I wont take the matter to appropriate authority?

8. You need to improve customer services, they are casual. I sent an email to your fraudulent department, no reply. Please look into my case on priority basis and do the needful at your earliest.
Regards Copy to : Ad Astra Recovery Service. 
XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On Friday XX/XX/22 Bank of America froze my checking account and hid the money in my savings account. I called and spoke to the fraud department where I was informed that XXXXXXXX XXXX had filed a fraud claim against my account. We called XXXXXXXX XXXX and had the erroneous claim removed. XXXX XXXX told me that they had called and spoken to Bank of America and that it was to be removed and money returned to my account. I spent 4 hours on the phone, between Bank of America and XXXX, and was told that Bank of America was waiting for something in writing to come from XXXX. As of XXXX pm on Monday XX/XX/22 Bank of America still has not returned my money to my account. They have spoken to XXXX they know that this has been taken care of yet they are not reinstating my account. After telling me on Friday that it would be done within an hour of being notified by the other bank, I am still dealing with this. I have spent over XXXX hours on the phone today trying to get this situation fix. Someone needs to be held accountable when mistakes are made.

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 2019-03-20
Company: Nelnet, Inc.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Good afternoon, I'm contacting you in reference to my Nelnet, Nelnet has been updating my account as delinquent for the past 4 months ( 120 days ) My accounts were consolidated with XXXX XXXX and I explained that to this company. I was told that the account would be placed on forbearance and no reporting would go further as, they do see the accounts is in consolidation status. this has caused a hardship on my credit rating my score has dropped over 100 points due to the failed actions by Nelnet My credit rating score was above 730. As this is a hardship on my file. I am requesting the removal of the negative rating on my credit file be removed from all reporting agencies XXXX, XXXX, AND XXXX. I need this done ASAP, as Nelnet is doing illegal collecting and reporting practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have repeatedly asked for validation of this medical debt from both the company as well as TransUnion. The company ignored my request and TransUnion has repeatedly stated that they have verified that this debt between myself and receivables management is verified. TransUnion has failed to send any documentation proving that this debt is mine including any information they have on me owning the debt and any and all contracts or statements. TransUnion has failed to tell me how they have come to the conclusion that I owe this debt. This is in violation of the FCRA and TransUnion should be held liable for defamation of my character and damages to me and my family. I demand that TransUnion immediately delete this information from my credit profile as I am not liable to pay this company a debt that I do not owe them.

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 2023-08-04
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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 hired XXXX XXXX XXXX , XXXX and XXXX XXXX XXXX XXXX, XXXX to represent me in a XXXX XXXX case on XX/XX/XXXX I spoke with XXXX XXXX and XXXX XXXX , I signed a retainer and an advance fee of {$2600.00} in which rates where stated. I asked for a bill to keep track of expenses from the start. No work was done whatsoever, no fillings or drafts, meeting or motions or minute order etc as they had not received or gained access to case file to begin and be able to do so. Then they send me an improper, fraudulent surprise over-billing, and breach of contract. Charging me {$4000.00} with a balance {$1400.00} for not doing anything and also not according to the rates specified in the retainer but double the rates specified price. I fired them immediately thru written email. And they don't want to return my money. They have not provided service and want to steal and defraud me of my hard earned money. I have contacted Wells Fargo Visa credit card dispute service in order to proceed with a charge back. I have submitted all proof and evidence in order to prove the charge was invalid because no service was rendered and should be charged back. I contacted executive office with senior escalation representative XXXX XXXX. There not communicating and ignoring in assisting me with status of dispute, and also are not giving me a fair hearing by disregarding the fact that the merchant has to provide evidence as the burden of proof falls on the merchant. they must provide evidence showing that the dispute charge is valid. They did not provide proof to Wells Fargo they only submitted a letter claiming they did work stating they filed paperwork in the courts which they did not and I submitted proof of that as well and they submitted a bill that they redrafted for the 4th time which I also submitted all their fraudulent bills to Wells Fargo Dispute department. I have tried all available avenues to resolve this matter but both The merchant and Wells Fargo dispute services are not responding, gas lighting me as well as infringing on my rights as a consumer he Fair Credit Billing Act of 1974 and The Electronic Funds Transfer Act of 1978. They must give me a fair hearing as the merchant has not provided or submitted any proof to support their claims and their bill.

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 2019-03-20
Company: Ditech Financial LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Ditech Financial sold my loan to a new mortgage servicing company without providing me with any notice. I received notice of the change on XX/XX/XXXX. The change occurred on XX/XX/XXXX. I called the new mortgage company and they have no record of my account. I tried to call Ditech and waited on hold for 15-20 minutes and no one ever did come to the phone. Ditech is also holding over XXXX of my money and the insurance companies money and has not released it so I can pay the contractor as my home is repaired from the house fire that occurred in XX/XX/XXXX. Ditech is a terrible company and basically does whatever they please. I am in the process of paying off my home loan. I have to wait until the due date every month to make the loan payment or they will put the money directly towards principal even if I make multiple payments for the exact payment amount. Last month I paid over XXXX on the loan. I currently owe XXXX on my loan and Ditech acts like they have some major interest in my house. They don't. My home is worth XXXX and their share is XXXX. Ditech is a bunch of crooks and should be put out of business. They are currently filing for bankruptcy so it looks like they are headed that way.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I just checked my score from XXXX XXXX, while I found out there're two hard inquires today XX/XX/2019, which I never initialed. I went through a crazy identity theft crime on XX/XX/2019, and that person hacked everything, and took all my personal information to call the banks. I believe these two reports from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: Experian Information Solutions Inc.
State: NJ
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:
This is not mine. 

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