BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. My identity was stolen and there are negative items on my credit report and I believed those are the results of fraudulent activity.

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 2023-03-16
Company: Experian Information Solutions Inc.
State: AR
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 3 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 account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Balance Owed : {$0.00}.

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 2023-03-16
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, they are are not presenting and account numbers. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have violated my rights under 15 USC 1681.

Section 602 states I have the right to privacy 15 USC 1681, Section 6O4A, Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 's 1666-B. A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2019-07-02
Company: AMERICAN EXPRESS COMPANY
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
American Express advertised no membership fee for military. I then applied, selected the drop down box for military because I am XXXX XXXX, and was informed I was approved. I later recieved the card and subsequently a statement showing a {$550.00} 'membership fee. ' I contacted them afterwards and was told they would initiate a Servicemembers Civil Relief Act inquiry for me that would delete the fee. The {$550.00} charge reappeared again the following month and I again contacted American Express and they said I needed to submit 'verification ' documents, so I subsequently submitted my activation orders. The fee then appeared again on my next statement so I contacted them again and they opened another SCRA inquiry. Eventually, they were able to confirm my XXXX XXXX status and waived the membership fee. However, they did a credit reporting that I missed two payments for that fee they eventually waived. So, while they ultimately did give me 'SCRA status ' and waived the late fees, they refused to address their credit reporting of 'missed payment ' ( for jot paying fee ). My credit score took a 100 point drop as a result.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
I have attempted to to file a dispute online every time a upload a file is States that the website is frozen what is not responding.I 've tried contacting them with no response. I have been disputing XXXX XXXX for almost a month now they are past their time frame to collect. the information is incorrect and they refused to collect on this account. I am requesting that XXXX XXXX be removed along with inquiries that include XXXX and XXXX XXXX twice. I can not seem to get through. I also sent a letter to XXXX XXXX with no response. I want by XXXX XXXX   removed. they have violated the FDCPA Laws and the Fair Credit Debt Collection Acts. Federal laws have been violated. XXXX cancelled the acct they broke contract NOT ME. They are not supposed to be attempting to collect! when I try resolving this account XXXX XXXX hung up on me more than 6 times so I want XXXX XXXX remove immediately. acct balance is incorrect and XXXX XXXX allegedly had this acct since XX/XX/18 and have not attempted to collect or when I called them hung up on me. and did NOT validate balance or accuracy and disconnected every call when I reached out to them. they null and voided their rights to collect due to XXXX writing off and receiving credit for written off balances. Amounts were ALLEGEDLY owed to XXXX NOT XXXX XXXX. I wrote a letter I want it removed. I have 18 acts in great standing I think I would have resolved this one. I will file suit of XXXX in Colorado and file complaint with FDCPA with minimum fines starting at {$10000.00} per violation for damage to my credit. I have filed a complaint with XXXX and has not responded. XXXX  has removed this acct but not XXXX or transunion

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 2018-08-08
Company: EQUIFAX, 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: Account information incorrect

Complaint:
On XX/XX/2016. I purchased a vehicle from XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My loan was through XXXX XXXX. I went in did my paper work on the car they showed me and that I test drove everything went well. I left off the car lot Happy, I drove the XXXX XXXX XXXX XXXX for two weeks, and the dealership called me after two weeks  on Wed, XX/XX/XXXX, @ XXXX to tell me that I had the wrong vehicle, They stated that the paperwork on the vehicle that I had Vin number did not match the paperwork I signed. That I need to get the vehicle back ASAP they have giving me the wrong vehicle. When I got back to the dealership, the vehicle they tried to give me, I did not want, so I left it there, but its still on my credit report and I can not seem to get it off my report. I also have a text message that the dealer sent me telling me that I need to call them ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: WELLS FARGO & COMPANY
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I made a payment from my XXXX  Account of XXXX XXXX dollars to my WellS Fargo Loan account on XX/XX/2022. 
The Check from XXXX was received by Well Fargo. XXXX and I see the copy that Wells Fargo accepted and we also see they made a one digit mistake when depositing the money and put it into the wrong account. I called after a few weeks and asked what the status was and was told they would move it to my Loan account. That never Happen. So I reached out again end of XXXX. Then Wells Fargo said yeah they closed that account and I would get a check by mail. XXXX within 2 days. Again that never happened. Now the last information stating we are reviewing and that was 2 weeks ago. 
So since XX/XX/XXXX Well Fargo has had XXXX dollars of mine, that did not go against the principle and I had to make three payments since this payment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08
Company: First Associates Loan Servicing LLC
State: AL
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I attended XXXX XXXX in XXXX, NY from XX/XX/XXXX-XX/XX/XXXX. During that time XXXX XXXX took out fraudulent loans on my behalf without my consent. These Loans were with XXXX  of XXXX XXXX, CA and the proceeds were paid directly to XXXX XXXX without my knowledge. One was opened on XX/XX/XXXX and shows a balance of {$3600.00} owed on my XXXX   report. I disputed this loan as fraudulent in XX/XX/XXXX. The second loan they are listing on my XXXX report was opened on XX/XX/XXXX and shows a balanced owed of {$6800.00} dollars. This loan was disputed as fraud in XX/XX/XXXX. 

I have checked my credit report and I see that this company is reporting occasional on-time payments on both accounts. I believe that this is fraudulent act and they are attempting to circumvent my rights. They are trying to not let the accounts age so that they will not reach 7 years. They will be able to keep reporting these bogus accounts indefinitely. 

I also believe that they are trying to circumvent my rights under statutes of limitations afforded me under laws in my state. Beyond original contact with this company in XX/XX/XXXX after refusing to pay and denying ownership of these loans they have not contacted me. 

I have never made a payment to either of these accounts. There has been more than seven years of inactivity on these accounts and there hasn't been any contact between me and this company in more than seven years. They should have already been removed from my credit report. 

On my credit report they list themselves as : XXXX - XXXX  XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XX/XX/2017 I received a copy of my credit report and it had a account from XXXX XXXX listed on it with a balance of {$840.00} ; account # XXXX, I immediately disputed this charge as fraud and has had no success with it being removed from my XXXX credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
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 need a validation ( not verification ) and a copy of when I sent a written permissible purpose ( 15 USC 1681b ) to validate the inquiry and a audit trail.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02
Company: Experian Information Solutions Inc.
State: FL
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 have been trying to remove the fraud alerts from each bureau but have been successful in reaching. The fraud alerts need to be 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 2023-03-16
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: Information belongs to someone else

Complaint:
I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/2023.

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 2023-03-16
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identity theft please remove this fraud inquiry from my credit 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 2023-07-31
Company: International Computer Systems, Inc.
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I've asked First Collection Services XXXX XXXX to remove this account. I have paid the amount directly to the original creditor. I have received the run around. This is pulling down my XXXX XXXX. I've attached the paid documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XX/XX/XXXX, a collection from CEP america showed up on my consumer credit report. I let XXXX know, and I was told it was removed, but have had no confirmation. 
Per HIPAA, the FCRA and the privacy act of 1974, as a federally protected consumer, This violates my right to privacy. This has led to a great deal of emotional and financial stress in my life. I have attempted to contact XXXX on numerous occasions, and have had no success. I want this situation resolved immediately. I have waited to long, and have suffered a great deal of stress already.

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 2023-05-22
Company: Self Financial Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX I closed my account with Self Financial Inc, Lead Bank as the FDIC bank. A refunded deposit within 10-14 days of closing was to be returned to me on XX/XX/XXXX. On XX/XX/XXXX I received an email that I would need to verify my identity. I sent in the documents requested ( Drivers License, Banking Statements, Debit Card Photo and Social Security Card Photo ). 
Immediately I received an email stating my identity could not be verified and they would be putting my money on hold. I Messaged through the app, called and emailed. They would not give me any information on the issue. When requesting to speak with a supervisor I was informed there was NO back office person I could speak with. I filed a complaint with the XXXX and that's when a " Manager '' called but left a brief and vague voicemail with NO contact information. I received a call XX/XX/XXXX from the same manger and was able to speak with her. She informed me that there was nothing she could do. I informed her that I would be escalating the situation with a Lawyer as well as filing complaints with the proper institutions to alert them of this behavior. At that time she informed me she would reach out to the correct department and see if she could escalate the return of my funds to me. They also flagged my account for Fraud once I started emailing for more information and say they have NO timeframe in which I can have my money Nor will they tell me for what reasons or how to resolve the issue. I only want the {$820.00} returned to me. Upon checking XXXX and more review sites, I have noticed that in the past couple months this has been a common occurrence with this happening over and over. If there is a class action lawsuit I would love to be involved. I am beginning to wonder if Lead Bank has the funds to return all the money from these closed accounts. A company changing rules as they go just before refunds are to be processed with no one to contact for help is not ok. 
I recently reached out to a Lawyer to begin the process of getting the money owed to me returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: EQUIFAX, INC.
State: GA
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:
My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 response to consumer: Closed with explanation
Consumer complaint received 2021-11-16
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: Personal information incorrect

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were still found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are still reporting on my Credit Reports and need to delete immediately. 
Wrong Addresses : XXXX XXXX XXXX  XXXX, FL XXXX XXXX XXXX XXXX  XXXX, FL XXXX Employer : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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 2020-07-14
Company: Experian Information Solutions Inc.
State: MD
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 have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any results.

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 2023-01-17
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2023-01-17
Company: EQUIFAX, 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:
Im writing to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any accounts listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of accounts which do not belong to me or were opened without my permission.

Company response to consumer: Closed with explanation