BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-02
Company: Experian Information Solutions Inc.
State: NY
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:
Back in XXXX  I had my wallet stolen which resulted in a fraudulent loan being opened. I had filed police reports, identity theft reports and disputes with the credit bureaus. The only credit bureau that continues to tell me that this debt is valid is Experian, however it is NOT. I did not open the account and this fraudulent account is negatively affecting my credit score. I am trying to get my finances and scores on track and I can not do that because Experian is not cooperating. I am attaching the Identity theft report and police reports to this thread and I would like this handled properly. I have attempted to discuss this with XXXX and they are telling me to go to the credit bureaus and claim I am responsible for this account. The product that was ordered was never delivered to my address as XXXX is aware. They also have a signature from the other address which is not a property that I am affiliated with and the signature is not mine. The email address and phone number associated with said account were not mine either. There is NO validation of this debt as IT IS NOT MINE.

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 2021-08-13
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX I decided to dispute numerous Items with the credit bureaus since I found multiple errors on my credit reports. The dispute was sent by certified mail to XXXX  ( XXXX ), XXXX ( XXXX ), and Equifax ( XXXX ). But by today XX/XX/XXXX The companies have still not responded, yet still reporting errors on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-17
Company: EQUIFAX, INC.
State: PA
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 am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 and XXXX XXXX XXXXXXXX Account # : XXXX has violated my right 15 U.S.C 1681 section 602 A. States I have a right to privacy. 15 U.S.C 1681Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.

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 2019-05-22
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:
I'm kind of concerned because there are still items on my credit that are not mine. I went to refinance my car and they told me that I would need a co-signer. The finance man there went over my credit and there are still items on my credit that are not mine. I've contacted the FTC and the police. I'm doing this on my own behalf. XXXX and US Dep Ed.  Please remove from my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-02
Company: Affirm Holdings, Inc
State: NY
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:
Back in 2016 I had my wallet stolen which resulted in a fraudulent loan being opened. I had filed police reports, identity theft reports and disputes with the credit bureaus. The only credit bureau that continues to tell me that this debt is valid is XXXX, however it is NOT. I did not open the account and this fraudulent account is negatively affecting my credit score. I am trying to get my finances and scores on track and I can not do that because XXXX is not cooperating. I am attaching the Identity theft report and police reports to this thread and I would like this handled properly. I have attempted to discuss this with Affirm and they are telling me to go to the credit bureaus and claim I am responsible for this account. The product that was ordered was never delivered to my address as Affirm is aware. They also have a signature from the other address which is not a property that I am affiliated with and the signature is not mine. The email address and phone number associated with said account were not mine either. There is NO validation of this debt as IT IS NOT MINE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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 even know about this card until i got a bill in the mail. Then i did some research. It appears someone somewhere has a credit card in my name. This account was closed on XX/XX/XXXX with a {$0.00} balance. Then it was reported {$950.00} due on XX/XX/XXXX. So who had this card if i never knew about it?

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 2022-03-09
Company: Experian Information Solutions 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:
The accounts listed are fraudulent. I did not consent nor authorize these companies to benefit from my credit. 
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 non-monetary relief
Consumer complaint received 2023-06-02
Company: JPMORGAN CHASE & CO.
State: VA
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 paid for a purchase with XXXX in full the agreed amount on my Chase Freedom card. When I got the statement XXXX allowed United to charge an additional XXXX XXXX I disbursed this with XXXX and Chase and it was removed. After the trip the XXXX was put back on this time by XXXX. I called Chase and they said Im to write a letter and upload it. God put it in my mind that Chase is pocketing millions if not billions of these charges that are removed and put back on from consumers who didnt get the service or was charged more than the agreed amount at the time of purchase. When I wrote the letter the Chase app wouldnt allow me to upload the letter. Then I started to think how often this happens with Chase and their customers service, so I asked them where I could report my concern about this. They refused to provide the information! They told me I can report them to XXXX XXXX, that this is the government agency that overseas credit cards, when I called it is not, its XXXX Which led me to you. I dont owe the XXXX to Chase and I havent been able to upload the letter. It is unAmerican to allow big business to over step together against the tax payers like this. Chase, XXXX and United I cant fight, nor can I afford to give them an extra XXXX I do not owe. I paid in full the XXXX I did owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-12
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:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXXand contacted the police department and obtained a police report # XXXX which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : Account Name XXXX  XXXX XXXX {$1700.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX {$2100.00} Opened XX/XX/XXXX XXXX XXXX XXXX {$810.00} Opened XX/XX/XXXX XXXX XXXX {$1400.00} Opened XX/XX/XXXXXXXX XXXX {$780.00} Opened XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received an ample amount of notices from midland credit management , Inc and I thought it was a joke. What I found out is that this company takes debt from other companies and harasses people to pay debts that do not belong to them. From XXXX I have been to XXXX and XXXX  school, which ultimately led me to living with multiple people. I have had instances where my social security card and ID cards have come up missing. Unbeknownst to me, it appears that someone opened a XXXX account in my name and this debt went on to be unpaid. It is not mine. I have told this company from the beginning that it is not mine. They have the wrong person. Not to mention XXXX itself just screams scam. Ive disputed this on my credit report successfully in XXXX and they keep harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22
Company: Experian Information Solutions 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:
I'm kind of concerned because there are still items on my credit that are not mine. I went to refinance my car and they told me that I would need a co-signer. The finance man there went over my credit and there are still items on my credit that are not mine. I've contacted the FTC and the police. I'm doing this on my own behalf. XXXX and US Dep Ed.  Please remove from my credit.

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 2023-10-19
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I received a 1099 c form for tax purposes on a charge- off account. This debt is listed as payable income by me doing so. How can this still be reporting on my credit report it violates the FCRA and not only that several inaccuracies are constantly being reported and keeps being verified as accurate with no proof.

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 2023-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
TransUnion is reporting a bankruptcy inaccurately on my TransUnion consumer report after I have disputed with them for completeness and accuracy in XXXX of XXXX. They continue to report this erroneous bankruptcy report without obeying 15 USC 1681 ( n ). They verified inaccurate bankruptcy records willingly and knowingly disseminating inaccurate information to various 3rd parties without my consent. 
XXXX XXXX has also blocked all personal information from my XXXX XXXX report ( please see attachment ). TransUnion should have permanently blocked and deleted the erroneous information on my consumer report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-02
Company: WELLS FARGO & COMPANY
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On our around XX/XX/XXXX WellFargo took my car. I sent a complaint to the bureau earlier this year because according my records the debts were paid. I also sent in an FTC identity fraud complaint against the company. During the months of XXXX my car was impounded, Wells Fargo contacted the pound while my case with the FTC was open. A violation of my rights. They also sent a breakdown of the contract signed and the numbers, however those numbers are not a TRUE accounting of the contract, as a financial audit will reveal and they never did. As of a letter dated XX/XX/2023 from Wells they are threatening to sell my car, in which after doing a XXXX lien search they NEVER had a lien on me or the car. Also according to my documentation they never even had their name on the orginal title of the car. I want my car back asap and I am disputing charges and looking to arbitration to solve this dispute. I have made my brother power of attorney to help with this matter as well.

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 2023-06-02
Company: Early Warning Services, LLC
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Early warning has a account with XXXX XXXX XXXX listed as closed for suspected fraudXXXX XXXX XXXX can't tell me what fraud was done and I am a current member. Neither company will remove it or verify.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-02
Company: KILOWATT FINANCIAL, LLC, A SPRUCE FINANCE COMPANY
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
There was a direct deposit for my payroll sent to Spruce Money on XXXX. I have the transaction number, however, its now been three days

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: Universal Account Servicing, LLC
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX assumed my account via XXXX XXXX. I paid the stated billed total amount due XXXX two weeks prior to the date due. After payment, the online balance reflected XXXX $ online. The next month I received a bill for a late fee with an accumulated finance fee with no explanation. I then received calls from representatives that couldnt explain the charges. Finally, I spoke with a supervisor who only agreed to waive late fee and finance charges but told me I had to pay XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10
Company: SLM CORPORATION
State: MA
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 was shocked when I reviewed my credit report and found late payment on the date below : SALLIE MAE XX/XX/2019 XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
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: Public record information inaccurate

Complaint:
The items doesnt belong to me. I dispute the items with the creditor and the creditor sent me letter stating they dont verify public records to credit bureaus or third parties. I sent over documentation servers time and they refuse to block or delete. I contacted LCI TransUnion which is the third parties they use over XXXX times no one replies back via mail, email or phone calls its been over 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 2020-04-12
Company: Lending Club Corp
State: NJ
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:
XXXX has been reporting an account from lending club corp on my credit report as in collection on XX/XX/2017 which never happened as i always paid the account on time & upon my repeat disputes, XXXX has refused? failed to further investigate the dispute as perviously disputed. This information is completely inaccurate & is hurting my credit due to mistake made by XXXX & must be corrected immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I make a payment of XXXX XXXX It was in XX/XX/XXXX. The company called XXXX XXXX XXXX XXXX never sent me anything of my purchase. In XXXX, I received a tracking number from XXXX, but XXXX XXXX XXXX XXXX only print the label and never drop off the package. Two months ago approximately XXXX XXXX XXXX XXXX respond an email saying to me that I need to contact XXXX. XXXX never received my package, they told me. I need help please, this company has been very unreliable.

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 2023-12-14
Company: EQUIFAX, INC.
State: IN
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.

Company response to consumer: In progress
Consumer complaint received 2023-06-22
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have received countless emails from LVNV FUNDING LLC for harassing me. I sent them a certified stop cease letter 6 weeks ago, but they are still emailing me nonstop.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12
Company: EQUIFAX, INC.
State: NJ
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 this due to the non compliance with XXXX, Equifax, XXXX, I have sent information regarding supported information with inaccuracies and wrong information that does not pertain to me listed on my report, they have failed to remove the information that was affiliated with information that was challenged in the past I strongly believe they are in complete violation of of The FCRA and are just refusing to uphold the law.

Company response to consumer: Closed with explanation