BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-21
Company: EQUIFAX, INC.
State: NE
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:
This Inquiries is not mine and it's totally Fraud, I'm not aware with those Inquiries. Please take an action with this.

See the documents attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-21
Company: EQUIFAX, INC.
State: NE
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 address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-21
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-19
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MS
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On CopyXXXX XXXX  Attorney General and FTC

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-20
Company: EQUIFAX, INC.
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX IS CURRENTLY SHOWING ON MY EQUIFAX CREDIT REPORT THE ACCOUNT WAS OPENED FRAUDULENTLY PLEASE REMOVE FROM MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: CAINE & WEINER COMPANY, INC.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Submitted a dispute online and it was denied. I was informed I would be able to make a complaint based on the criteria after dispute denial. Say the acct is from XXXX this year I have XXXX XXXX and before that direct for 3 years..not XXXX  which is the main creditors the debt company bought my info from.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11
Company: The Bureaus, Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/2019, The Bureaus added a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold, and I am no longer responsible for the account. Debtor 's credit did not verify this collection. also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA, The Bureaus has violated my rights as a consumer, and I am requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11
Company: First Federal Credit Control, Inc.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is not my account / can be fraudulent activity, ( not mine ) never had or know what is First federal credit!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11
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:
I did not give anyone Authorization to open any of these account using My personal Information. i neve had any Business with these Companies this is fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: ProCollect, Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little explanation on. I have the right to challenge anything I am not sure is accurate. Two of the accounts on my report are not reported correctly. They put different dates and information for all three of the credit bureaus. They also are not licensed in my state to be a collection agency. I have reported them to the NC Attorney General who is investigating them and has demanded proof of licensure, but they can not prove licensure. 
Are you familiar with something called 1.5 U.S.C Sec. 168. That is supposed to state if they can't provide proof of licensure and that they report correctly, it has to be deleted. I want these accounts deleted if they are not 100 % accurate. So, could you please check on these and get back to me? I saw on a credit website where I have 30 days to hear back from an investigation. Please investigate the following account. I have the screen shots proving they have reported the balance update, account information, closed vs open on this account different for XXXX, XXXX and XXXX. That can not be legal. 

ProCollect Account Number XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05
Company: M&T BANK CORPORATION
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I currently have 2 loans with M & T bank and when making payments online via the mobile app the payment was posted to the incorrect account causing one to go past due. I attempted to make this right with the loan company however so far they haven't only caused more confusion and not provided a resolution. Now that the late reporting is reflected on my credit report I have since been impacted greatly by the loss of credit lines, some reduced to the current balance on the account. When logging in on the mobile browser and going to make a payment I selected the account I wanted to pay- and processed a payment not knowing or being alerted that even though I selected the account I wanted to pay the default was set to go to the first account. At this point, there were no labels on the accounts to really know which one was which. I later discovered on my own you could apply nicknames to each account- this wasn't shared with me as a solution. I was basically given the canned response of I should have known better and that is just how things work. This is a poor customer experience. I did ask for a resolution and next, I see they have done payment reversals on the one account - thinking this was to transfer the payment that was posted to the incorrect account to the right account- nope it was just posted back to the same account. There were multiple payments reversed. This caused even more confusion in the meantime I was making payments to both accounts to not further the damage that was already in progress. Only to be caught up in a situation where the payment I set up online not posting at all - I went through the process and submitted the payment in order to prove myself they wanted a payment confirmation number well there are no text messages or emails sent to provide that number it is only online and well since the payment didn't post there was no confirmation number to be found. This only compounded things because the account was now going to be reported as late. If the payment had been posted to the right account the first time it wouldn't have happened, then when I alerted M & T that this had happened they failed to provide a solution, then I tried to provide myself a solution and this also failed. I have never paid late on any bill in my entire life this has been extremely upsetting and aggravating, to say the least. My credit score plummeted overnight and now it is causing additional impacts I am sure some are not even realized yet. Once this is fixed I will have to fight with the other creditors to fix/undo what has been done as a result of M & Ts failure to correct the issue.

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 2023-07-26
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 want to emphasize that I did not authorize the opening of these accounts, and I am convinced that they are fraudulent in nature. I am requesting your immediate attention to thoroughly investigate these accounts and take necessary action to have them removed 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 2022-10-13
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
- [ ] From XXXX I attended North Carolina XXXX XXXX XXXX XXXX University XXXX As a first time XXXX student my single mother and I were manipulated into signing a promissory note for what we know now to be eight different high interest private student loans. Because my mother was a single parent with not enough income we solicited the help of my uncle who had to co-sign for my loans. 

We are adamant that North Carolina XXXX & XXXX and XXXX XXXX at the time violated antitrust laws and unfairly limited financial aid awards and forcing my family to only sign up for private loans as opposed to Federal student loans. XXXX XXXX XXXX along with XXXX XXXX used shared methodology to determine financial aid awards without properly weighing mine or my familys ability to re-pay these high interest loans. 

To date, I am a very dissatisfied customer of Navient and a unhappy graduate of XXXX XXXX XXXX. I am harassed daily to pay loan payments that I can not financially afford. My family members are constantly harassed as well. Navient and XXXX XXXX XXXX has literally destroyed my credit making it impossible for me to afford a normal way of living for myself and my family. My loan amounts has quadrupled since graduating making my total repayment amount nearly {$300000.00}. My co-signer is now retired living on a fixed income and is unable to afford these loans as well. I have struggled to obtain a job in my field of study or even a decent paying job for that matter. I am requesting some attention to this matter as it has caused a strain on my mental state as well as my family. I am currently working with a financial advisor and a lawyer because we are certain that predatory lending is the main cause of this entire ordeal. We are certain that XXXX XXXX XXXX and Navient ( XXXX XXXX ) have violated several antitrust laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with fair credit reporting act convergent accounts bellow XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 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 explanation
Consumer complaint received 2021-01-11
Company: GOLDMAN SACHS BANK USA
State: WI
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: Overcharged for something you did purchase with the card

Complaint:
Made several in-app game purchases using the credit card. Learned recently that the game was hacked also noticed several duplicate charges on my credit card. Reached out to the game provider and app store and they did not refund me. Requested credit card to dispute all such transactions. They disputed only a fraction of transactions up until XX/XX/2019, whereas the Transactions and duplicate charges go way back to XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: Convergent Resources, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have called Convergent Outsourcing multiple times to verify my debt via phone and they insisted on reporting the collection on my credit report which I did not authorize and that violates my consumer rights. On XX/XX/XXXX, I received confirmation via green return receipt that Convergent Outsourcing Inc. received a letter from me stating to provide me the contract with my original wet signature that obliges me to pay this alleged debt. I received the recent mailing from them that was also backdated 10 days from my receipt, and I am also pretty adamant in checking my mailboxes. They claim to verify the debt with a copy of the billing statement from the " so be '' original creditor XXXX however, this is not what I asked for and is in violation of 15 USC 1692 ( FDCPA ). The alleged debt of {$270.00} as they claim is not mine. I am still a customer with XXXX now and my service still works and it is weird how this debt pops up as mine out of nowhere. I believe there has been a mistake. I called Convergent Outsourcing Inc. today to let them know of my actions to forward this issue and complaint tot the CFPB and XXXX XXXX has said she will dispute again in there system but I am not sure of the effort.

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 2021-01-11
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:
THE ACCOUNTS LISTED DO NOT BELONG TO ME SOMEONE USED MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN THESE FRAUDUELNT ACCOUNTS IN MY NAME I HAVE CONTACTED LAW ENFORCEMENT LOCAL AND FEDERAL AGENCIESI am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA. On XX/XX/2021, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-24
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: Public record information inaccurate

Complaint:
XXXX, expedian and XXXX are all reporting inaccurate information regarding a dismissed bankruptcy. I had send certified letters with only reply from expedian letting me know that the information is accurate ; I send a letter regarding how it was verified and no paperwork has been sent. Instead a copy of my credit report was mailed 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 2023-11-26
Company: WELLS FARGO & COMPANY
State: CO
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
On XX/XX/23 I received an email from Wells Fargo stating I had applied for and been approved for a Wells Fargo Active Cash Visa Card with a Credit Line of {$16000.00}. I also received an alert from XXXX XXXX and XXXX that there had been a hard pull of my credit report. 

I had not applied for this and have never had an account with Wells Fargo. I immediately contacted Wells Fargo, and after talking to XXXX different people, I was told that they would have to talk with someone in a credit card department that would not open again until Monday. My husband also spoke with Wells Fargo staff about this and was also told that I should call back in a few hours because at XXXX XXXX the credit card likely would have been processed and they should be able to cancel it. 

I called again on Sunday, XX/XX/23 and was told that because the card had not yet been created they couldnt cancel it. However, I was requesting they prevent the card from ever being created, as the creation of this card could allow someone to begin spending money on a fraudulent account. Wells Fargo was unable to help me and as it stands the card will be created before it can be cancelled- and it can only be cancelled by my calling Wells Fargo again tomorrow to try to get this resolved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-28
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX and XX/XX/XXXX I received XXXX XXXX transactions to my checking account of Citizens Bank, one for {$500.00} ( XX/XX/XXXX ) and other for {$100.00} ( XX/XX/XXXX ) a total amount of {$600.00}, the purpose of that was to pay off some overdraft fees of {$140.00} and make moves on that account that I didn't use for a long time. Those transactions were supposed to be posted on the account on XX/XX/XXXX, but instead of that on XX/XX/XXXX Citizens Bank closed my account to charged off the overdraft fees and they deleted the two transactions from my transaction history. I went to the Citizens Bank branch on XXXX XXXX XXXX, XXXX XXXX, MA XXXX on XX/XX/XXXX to try to make an withdrawal and the teller notified me that the account was closed, when the account was open on that weekend that I received the transfer. I made a check to pay off the fees and I gave it to the assistant branch manager but this check wasn't send to the recovery department, alleging problems with the internal mail, so this person returned to me the check, more than week later on XX/XX/XXXX I payed off by phone the fee {$140.00} with my debit card to the Citizens Recovery Department, but the situation is that nobody knows what happened to the {$600.00} or where it is. 

I trayed to resolved it at the branch of Citizens Bank, but any of the options that they gave me works and nobody of the internal department that they trayed to contact none were helpful : XXXX They told me to contact the person who sent the money to put a claim on her bank, we did it but the bank ( XXXX Bank ) says the money were sent and can not be revoked ( I have a copy of the case summary of the claim ). It's means that the money wasn't returned to the sender. 

XXXX They told me to put in contact with XXXX but it says that all transaction made by the back mobile app have to be checked with my financial institution, in that case Citizens Bank XXXX 

I've been trying to resolve this situation with Citizens Bank by the most polite way posible, I feel disappointed and I don't trust in this Bank anymore, as a customer I feel robbed. Also, they didn't pay to much attention to my situation even I gave to them all the prove of documentations that prove my account was open on the date of the transactions : -I have XXXX emails from Citizens Bank that prove that the money were deposited on the account. 
-A letter from Citizens Recovery Department dated on XX/XX/XXXX the same day that the transfer supposed to be posted on the account. 

-I have a copy of the case summary of the claim that the sender put on her bank. 

- I have a copy of the check that was returned, and the email confirmation that I payed off the overdraft fee of {$140.00} to Citizens Recovery Department.

Company response to consumer: Closed with monetary relief