BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-28
Company: ACIMA CREDIT, LLC
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I was approved for an installment loan to obtain new furniture in XX/XX/2020. Due to my job loss because of being personally affected by having XXXX in XX/XX/2020 and then my job shutting down in XX/XX/2020, I was given the option to be put on a deferred payment plan. This required a notice from my job of being out of work due to XXXX. The problem started in XXXX, and then continued onward for the next several months. Each month, the finance company requested a new letter proving job loss due to XXXX. I had explained that since my job had been shut down, this was not possible for me to obtain. The company stated that they understood my position, but this was a rule that needed to be followed, and if I couldnt get a letter on a monthly basis from my closed job, that was my problem. I now have 5 late payments reflecting and since I paid this account off in settlement it is negatively impacting my credit. I was given a stipulation that I can settle the account for less provided I do not do business with the company in the future. I agreed and paid the settlement amount. Due to this all being started because of my financial hardship because of a declared natural disaster, and my agreement not to do business with Acima Credit in the future, I need for either the late payments to be removed and the account to reflect a paid in full status OR for the account to be removed from my credit reports entirely. I have XXXX intention of ever doing business with a company that is clearly not understanding and that lacks empathy for its customers. I did not voluntarily lose my job 8 weeks after I was approved for financing and it is unrealistic to obtain paperwork on a monthly basis when the business was shut down. I am making this complaint public, so that whoever may come across this complaint can choose whether or not to do business with them!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-04-13
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have already placed a fraud alert on my credit report due to someone stealing my identity. After reviewing my credit report i see that i still have issues with identity theft. there are several things reporting under my credit that was not opened by me nor authorized by me. I have listed those accounts here in this report and i will list the additional accounts that are fraudulent along with addresses that are not mine. I also filed a police report and i will list the incident number below. Addresses : XXXX XXXX XXXX XXXX, NY XXXX Additional accounts : XXXX XXXX Bank Account XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX Please remove these accounts from my credit report it is stopping me from buying a house and other things. This information does not belong to me. The police report incident XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: WELLS FARGO & COMPANY
State: PA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company has been harassing me for quite some time now i have been receiving calls from many different numbers I had to change my telephone number. I was also put in a situation as to where I am unable to purchase a home and or put my sons through school this is becoming to be very frustrating for me to cope with on the day-to-day basics.

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 2022-09-15
Company: SERVICEMAC, LLC
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: Public record information inaccurate

Complaint:
The account was reaffirmed on XX/XX/2022. The bankruptcy was discharged on XX/XX/2022 and DID NOT include the mortgage as we had already reaffirmed it. I have spoken with ServiceMac numerous times and they refuse to correctly update the information on our credit reports showing the accurate information. I have filed numerous disputes with all three credit bureaus and uploaded a copy of the reaffirmation paperwork that is signed by ServiceMac 's attorney, XXXX XXXX. They continue to keep the status the same even though they're reporting inaccurate and false information. They currently have the account listed as " petition for bankruptcy '' which is not accurate at all and is effecting our credit negatively.

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 2023-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 just looked at my consumer reports and noticed a collection on an account that is not mind. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly says. I have never had this account and did not provide written consent to report the account : XXXX XXXX XXXXXXXX : [ XXXX ]. 
XXXX : [ XXXX ] XXXX XXXX XXXX : [ XXXX ] Please investigate and provide proof with statements showing that this collection is mine and proof that I authorized the reporting of this information. If proof can not be provided I demand these collection accounts be removed immediately.

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 2022-12-31
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:
XXXX XXXX XXXX Cred : # 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 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 2018-09-03
Company: WELLS FARGO & COMPANY
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:
On XX/XX/2018 Wells Fargo dealer services state that I applied for a loan which I never did. There are hard inquiries on my credit reports with XXXX XXXX, XXXX and XXXX. I called Wells Fargo dealer services and they stated there were no accounts on file under my name and information and wouldn't take these hard inquiries off my credit reports.

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 2023-10-04
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
At the beginning of the month of XXXX XXXX XXXX, someone opened a fraudulent checking account in my name. Wells Fargo closed this checking account. Wells Fargo also erroneously closed my legitimate checking account at the same time. My legitimate account had a balance of {$250.00}. Wells Fargo never provided these funds to me. I have attempted, approximately half a dozen times, over the course of a year to recover this {$250.00}. Wells Fargo has admitted to me on phone calls that they can not account for where the {$250.00} went. Wells Fargo has admitted that they have no entry where a check was issued for the closing balance, nor do they have any other accounting entry for the {$250.00}. Despite this, I've been runaround between multiple departments and hung up on more than once. I have still not received my {$250.00}.

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 monetary relief
Consumer complaint received 2023-02-14
Company: WELLS FARGO & COMPANY
State: IL
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: Card was charged for something you did not purchase with the card

Complaint:
Charged on XXXX XX/XX/2023 for the amount of XXXX. Contacted Wells Fargo credit card fraud department and was assisted in resolving the issue. Questions were asked regarding recent activity and the transaction was removed. Two weeks later I receive a letter saying the " charge was authorized due to the card being in my possession at the time of purchase ''. I contact the fraud department again today, the XXXX, and am told that they reached out to me on the XXXX of XXXX and the XXXX of XXXX to validate additional claim information. The number used to contact me was connected to a phone I had broken in the midst of things, but I have since replaced and recovered said number. After two failed attempts to reach me regarding additional information, it was decided that that was enough to have the charge placed back onto my account at a new amount of XXXX. Last thing I heard from the fraud department was that I would receive a determination via mail in 15-25 days. 

I have three issues with the way this was handled. 
Firstly, the letter saying I had the card so therefore I made the purchase is lazy and naive. There are a number of ways to have card info stolen. 
Secondly, the information I was told on the phone today by the fraud department is inconsistent with the letter I was sent. 
Finally, the amount recharged to my account is greater than the amount of the original transaction.

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 2023-02-14
Company: EQUIFAX, 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:
CFPB On XX/XX/2022 I sent a letter regarding inaccurate and unknown information on my credit report. 
To this day, over 60 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored regarding my disputes. Section .611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove these Items from my Credit Report. It has been over the 60 days so they should have been deleted or corrected already. I demand these accounts deleted immediately or I will file for litigation due to the stress and financial burden you have caused me. my information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help

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 2022-04-12
Company: Lockhart, Morris & Montgomery Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received a collection notice from Morris, Lockhart , & Montgomery on XX/XX/XXXX. The letter stated I had 30 days to request a debt validation letter. I sent my debt verification letter on XX/XX/XXXX via certified mail. The letter was received but it has been more than 30 days since i requested the letter and i have not received this information. This debt has been reported to the credit reporting agencies. Because it has been more than 30 days and they have not responded to my verification letter, its a violation of the Fair Debt Collection Practices Act ( FDCPA ).

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: Nationwide Credit Corporation
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am writing to you to file a complaint against a company known as NCC Debt Collector, whose persistent and invasive harassment has been ongoing for an extended period, causing a significant infringement on my privacy and immense inconvenience. I am hopeful that your department can take action to address this issue. 

The Debt Collector is using multiple different phone numbers, including XXXX XXXX XXXX XXXX and XXXX, to harass me several times daily. Furthermore, they leave computerized recordings of meaningless numerical codes, simply repeating these codes during the calls. One such instance was on XX/XX/XXXX, where they used the phone numbers XXXX and XXXX to call me on the same day. The first call was XXXX and they called again in the afternoon at XXXX on that very day. This harassment has not ceased during my business trip to XXXX, they have continued calling late at midnight, significantly disrupting my rest and work. 

I understand that because of this harassment is a medical bill, but I must emphasize that I have expressed my concerns on multiple occasions, requesting that the Debt Collector contact the hospital and insurance company to verify the accuracy of the bill. However, they not only disregard my requests but persist in daily phone calls. While NCC Debt Collector claims in their correspondence that they can resolve disputes via email, they have refused my emails for various reasons, asserting that they only accept contact via phone and regular mail. This suggests a lack of transparency on their part, and it leaves me feeling highly uneasy. 

I kindly request your department to take immediate action to put an end to this harassment and protect my rights and those of other victims. I also ask that your department investigates the actions of NCC Debt Collector to ensure they comply with all applicable laws and regulations, and that appropriate measures are taken to curtail their abusive behavior. Thank you for your attention to this matter, and I look forward to your prompt response. I am willing to provide further information if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: EQUIFAX, 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: 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 Account number XXXX XXXX XXXX  XXXX account number XXXX XXXX account number XXXX XXXX  XXXX XXXX account number 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 2023-10-17
Company: Experian Information Solutions Inc.
State: PA
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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: In progress