BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-08
Company: Home Loan Center, Inc.
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
The following communication has been sent to Lending Tree in XX/XX/ when I was approved for a personal loan : " The Lending Tree results are totally UNACCEPTABLE!!!! Why on XXXX 's XXXX XXXX would I want a 32.99 % interest rate on a loan to consolidate credit card debt with an interest rate of 29.99 % THE POINT IS TO GET AN PERSONAL LOAN CONSOLIDATING DEBT AT A " LOWER INTEREST RATE '' YOU HAVE GOT TO BE KIDDEN ME? '' I refused the loan such that I have told reps not to contact me. I communicated we will not be doing business for any reason.

Recently, I looked into obtaining a mortgage loan working with different mortgage loan officers. Recently, I received phones again this week from Lending Tree trying to sell me products and services I do not want. The first call was when I was on vacation, XXXX  XX/XX/XXXX, such that the second call transpired today XXXX  XX/XX/XXXX. 

I am tired of these people harassing me asking about service 's pertaining to my personal debt. 

I do not need their help! I do not want their help! They are not to contact me for any reason. I have asked this of them over the phone, emails and through the XXXX. Now, I am resulting to use the CFPB. 

Please put a stop to this, as their services are not for me! 

Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: EQUIFAX, 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX - XXXX XXXX XXXX /account number XXXX XXXX XXXX XXXXXXXX number - XXXXXXXX XXXX XXXX XXXXXXXX / account XXXXXXXX XXXX XXXX  / account : XXXX XXXX XXXX XXXXXXXX XXXX account XXXX XXXX XXXX XXXX XXXX account : XXXX XXXX / account XXXX XXXXXXXX XXXX XXXX XXXX / account : XXXXXXXX XXXX. Account : XXXX XXXX XXXX XXXX / account : XXXX 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 2022-12-28
Company: EQUIFAX, INC.
State: IN
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 several inaccuracies on my credit report. 

All accounts referring to XXXX XXXX, XXXX 's XXXX 's, and XXXX XXXX are incorrect and were opened in an instance of identity threat. Please remove them immediately. 

All inquiries from the same ( XXXX XXXX, XXXX XXXX, and XXXX XXXX ), as well as XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ( I don't know who this is ), XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-09
Company: LendingPoint Holdings LLC
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: Account information incorrect

Complaint:
Subject : Request for Removal of Sold Charged-off Accounts from Credit Report I am writing to address a significant concern regarding the reporting of sold charged-off accounts on consumers ' credit reports. It has come to my attention that LENDING PT has been reporting charged-off accounts on credit reports even after the debts have been sold to third-party debt buyers. This practice not only violates consumer rights but also disregards established federal laws and regulations governing credit reporting. 
Under the Fair Credit Reporting Act ( FCRA ), consumers have the right to accurate and fair reporting of their credit information. The FCRA mandates that information reported on credit reports must be complete, accurate, and substantiated. Furthermore, Section 623 ( a ) ( 4 ) of the FCRA specifies that if a debt has been sold, the original creditor must update the account to reflect that it has been sold and is no longer their responsibility. 
The reporting of sold charged-off accounts on credit reports violates the FCRA in the following ways : Misleading and Inaccurate Reporting : Reporting charged-off accounts as if they are still owned by the original creditor is misleading and presents an inaccurate representation of the consumer 's creditworthiness. This practice violates the requirement for accurate and substantiated reporting. 
Failure to Update Account Status : Failing to update the account status to reflect that the debt has been sold and is no longer the responsibility of the original creditor violates the FCRA 's requirement for complete and up-to-date reporting. 
Additionally, it is important to note that the Fair Debt Collection Practices Act ( FDCPA ) may also be applicable in this situation. The FDCPA sets guidelines for debt collectors and prohibits unfair, deceptive, or abusive practices in the collection of debts. Reporting a debt as if it is still owned by the original creditor, when it has been sold, could be considered a deceptive practice under the FDCPA. 
In light of these legal violations, I request that LENDING PT takes immediate action to rectify this situation by : Removing all sold charged-off accounts from consumers ' credit reports : All accounts that have been sold to third-party debt buyers should be promptly removed from the credit reports of affected consumers. This removal should include any associated negative remarks or comments. 
I expect Lending to comply with these requests within 15 days of receiving this letter. Failure to do so may result in legal action seeking remedies available under the FCRA and other applicable laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: FIRST NATIONAL BANK OF OMAHA
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened without my consent or knowledge

Complaint:
I received two letters, dated XXXX & XXXX XX/XX/2023, seeking to verify recent activity on my account with First National Bank of Omaha ( XXXX ). 

Subsequently I received an ATM debit card and checks from XXXX. 

I do not have an account with XXXX, nor have I ever opened an account with 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 2023-07-09
Company: WELLS FARGO & COMPANY
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: Old information reappears or never goes away

Complaint:
I dispute these accounts out my credit and they were reinserted. I ask these to reinvestigated and send me a reply in 15 days and i never heard back.

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 2022-07-06
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 a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
on XX/XX/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will seek litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX data breach/identity theft and may have got into the hands of the wrong person.

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 2019-07-29
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:
A few days ago, I viewed a printout of my credit record and found some errors. I believe that these items are damaging my credit file and costing me too much time and money every year. 



These disputed accounts were claimed to have been accurate or verified. DISPUTE REASON : " CONTRACTS WERE CANCELLED '' " NO CONTRACT EXIST '' These accounts are still inaccurate and need to be corrected or deleted as soon as possible ; Here are the things that I want to be verified as accurate : Account number : XXXX and XXXX Collector : XXXX XXXX Original XXXX XXXX   Status : Unpaid Balance Amount : {$320.00} and {$420.00}

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 2023-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
To dispute the fraudulent components on my credit report, I'm writing to you. I did not make the charges associated with these accounts that are shown on my credit record. I filed a complaint with the Federal Trade Commission and included a copy of the Affidavit. Please be aware that my credit report still contains the unconfirmed entries. As required by law, I have not yet received evidence from the original creditors to confirm that the information is accurate and belongs to me. As I haven't had any paperwork from the original creditors, kindly remove the products as soon as you can.

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 2023-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Options XXXX XXXX. 
XXXX XXXX XXXX XXXX, XXXX  XXXX To Whom It XXXX Concern : Recently I received a copy of my credit report which show inquiries that I did not authorize. I understand you should not be allowed to put an inquiry on my file unless I have approved it. I have provided you with a police report, and I am currently working with an XXXX to stop the use of my name by someone who has stolen my identity. Please have the following inquiries removed from my credit file immediately because I did not authorize them and they are fraudulent. 

XXXXXXXX XXXX XXXX ( auto ) XXXX XXXX XXXX XXXX XXXX ( auto ) XXXX XXXX -XXXX  XXXX ( bank ). XXXX XXXX XXXX XXXX ( finance ). XXXX XXXX XXXX XXXX ( finance ) XXXX XXXX -XXXX XXXX XXXX finance ). XXXX XXXX XXXX XXXX XXXX finance ). XXXX XXXX -XXXX ( bank XXXX. XXXX XXXX XXXX ( bank XXXX. XXXX XXXX Also be advised the Fair Credit Reporting Act states that any information that is maintained on an individual 's credit report must be accurate. This includes unauthorized inquiries. 

If your company refuses to investigate and respond to my request within 30 days from the receipt of this certified letter, I am prepared to file a lawsuit in small claims court. Also be aware that the return receipt/signature of this certified letter is evidence of your receipt of said request. 

I have sent this letter because I need your prompt response to this issue, and I need written correspondence as evidence your company is acting upon my request. If you find that I am remiss and you do have my authorization to inquire into my credit report, and then please send me proof otherwise. 

Sincerely, 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 2022-12-28
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I had a joint Citibank checking account with my wife, who recently passed away. I wanted to add my 2 adult children to the account so that they could have access to money if something happened to me. Adding my daughter was OK, but they would not add my son, who lives with me, on the account although he had his passport, social security card and a credit card offer from a different bank mailed to him at our address. He also had his Citi credit card issued with his name on it for which he is an authorized user ( I am the primary on that account ). He has a NY Lerners permit, but due to his mother 's XXXX and ultimate demise, he did not take the drivers test and it expired a couple of months ago. 
I have been banking with them for 35 years, have a considerable amount in my accounts and was only trying to take care of my kids. Since he lives with me ( and I pay the bills ), there are no statements mailed to him at our address. 
Is it true that Citibank can not add an adult child as an authorized signer on an existing checking/savings account without " proof '' of address, even if it is the address of the primary account holder?

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 2022-12-28
Company: WLCC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't stop withdrawals from your bank account

Complaint:
On XX/XX/XXXX, I sent a Revocation of Authority to Initiate Electronic Funds Transactions to Explore Credit and can confirm that they received the document ( attached to this complaint ). On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, Explore Credit debited {$300.00} each time from my bank account. I never authorized these transactions or rescinded the Revocation of Authority to Initiate Electronic Funds Transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06
Company: Southwest Credit Systems, L.P.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I checked my credit report and noticed a negative mark, I called the company and was told its for cable. I explained to the rep I do not have cable, haven't had cable in years. she asked what state I was calling from and she informed me the account was not for the state of NY that I reside in. she would not give me any more information. I told her to please remove the remark from my account she would not.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
n accordance with the Fair Credit Reporting act XXXX Account name 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 604 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 2022-04-22
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: Account status incorrect

Complaint:
In accordance with the fair credit reporting act, the account XXXX ( XXXX XXXX ) has violated my rights. 


15 U.S. Code 1681i - Procedure in case of disputed accuracy ( a ) Reinvestigations of disputed information ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period.

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 2023-12-15
Company: EQUIFAX, INC.
State: DE
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:
I am writing to delete the following information listed in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not provided any written consent. I ask that the items kindly be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I have also enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. Im advance thank you for your assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-22
Company: EQUIFAX, INC.
State: GA
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 filed a dispute in regard to the incorrect items listed on my credit report, it has been well over 30 days, and I have not received any investigation results/updates.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A Debt Collector is trying to collect debt over a charge off account. They are saying they bought the debt. I wonder how came they bought a account with a XXXX dollar balance on it. They also failed to provide me any paper work/ contract to validate the debt to me. They only send me a old credit card bill. They are also reporting this {$500.00} to all credit bureaus. Which hurting my credit and I am financialy suffering. 

Therefore, please help me to stop this inaccurate reporting to all credit bureaus and also help me to stop all short of collection activity about this account. 

The Collecter name is, PORTFOLIO RECOVERY XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Tel : XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
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 the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

The letters are stated with items and issues. 

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 2023-06-21
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 9th 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXXXXXX Balance : {$0.00} XXXX, XXXX XXXX XXXXXXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$5500.00} XXXX XXXX XXXX XXXX ) XXXX Balance : {$80.00} ( Original Creditor : ) XXXX Balance : {$650.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act credit bureau has violated my rights 15USC1681 section 602 A states I have right to privacy 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish a account with out my written instructions

Company response to consumer: Closed with explanation