BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-08
Company: EQUIFAX, 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. 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 XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-11-24
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I want to inform you again that I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any item listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission. 
XXXXXXXX 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: Closed with explanation
Consumer complaint received 2022-01-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
*Latter mailed to Transunion dated XX/XX/XXXX for account XXXX XXXX XXXX XXXXXXXX Your company continues to manipulate information listed on my credit report. You've removed payments from my payment history. Also you listed this account closed as of XX/XX/XXXX then re-opened as if this is an active account. What month was the vehicle in question " repossessed ''? This is also not listed on the report. If this account is charged off why are you listing it as open and active with an active payment history? Provide me with the full and correct payment history. Advised the correct date of first delinquency, provide the estimated date of removal of this account. Please do not send me a letter stated that this if was verified with the data furnisher, this will not suffice. Provide me with documentation that the data furnisher is providing. This is a clear violation of the FCRA as you continue to falsely manipulate the statue of limitation. Please remove this account from my report and provide me with an updated credit report by mail. * XX/XX/XXXX, I receive notification that may dispute was completed. The account was updated not changes were made. Besides the XXXX  date being manipulated to show XX/XX/XXXX, the charge off account status as Active and dispute status as Account not disputed. All of which are a clear violation of the FCRA. Ive been requesting proof of how this account is being verified for going on two years now and this company will not furnish me with said documents.

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 2022-11-24
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:
My identity was used to open a fraudulent account with a credit union named XXXX XXXX XXXX XXXX in XXXX, VA. The balance is {$7500.00} on a credit card I never opened. I have never been to Virginia. I also called them and requested they remove it from my credit report. EQUIFAX, XXXX credit agencies still show this misinformation on my file. This is my second complaint with this credit union to resolve this issue.. I need to resolve this issue immediately because its affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a previous claim : XXXX-XXXX It looks closed. But i am not satisfied. 

CapitaOne response : " According to our records, we spoke with you on different occasions and advised the reason for the restriction to your online banking was due to a discrepancy in your personal information.This discrepancy was due to the information used at the time of the application. We sent you aletter on XX/XX/2021, asking you to call us to clear up this discrepancy ( enclosed ) .However, we never received the required information to unlock your online account. '' THIS IS A COMPLETE LIE. They requested documents from me and I upload them to a website they provided. I upload my social security card and my driver 's licence. 

I RECEIVED A NEW CREDIT CARD. But access to the website and trying to pay over the phone with an agent from CapitalOne NEVER WORK. SAME PROBLEM! 

I had call them severl time. They have called me several times and in 6 months they are not able to provide a solution. They are very inefficient as a bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-24
Company: General Motors Financial Company, 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GM FINANCIAL  XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$4400.00}XXXX GM FINANCIAL XXXX Date opened XXXX XXXX XXXX Balance : {$670.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20
Company: EQUIFAX, INC.
State: SC
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:
Formal notice that you have failed to respond in a timely manner to my dispute letter of XX/XX/XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. 
I demand that these accounts be deleted immediately or I will file litigation. I demand that these accounts be deleted immediately as I will seek litigation and {$1000.00} per violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-19
Company: Ability Recovery Services, LLC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
JUNK DEBT BUYER - YOU ARE IN VIOLATION OF THE FDCPA- YOU ARE IN VIOLATION OF MY FEDERALLY PROTECTED CONSUMER RIGHTS Ability Recovery Services at XXXX XXXX XXXX XXXX, PA XXXX has been sending me collection notices and they are reporting a collection account - Account # XXXX - in the amount of {$180.00} the collection has been reported as a positive balance and a collection account. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature. This is Aggravated Identity Theft. I have included several violations that you, Ability Recovery Services, owe me in my Bill of Particulars.

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 2023-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/XXXX I filed a dispute with your agency which referenced three ( 3 ) accounts erroneously being reported to my credit report. In response to my dispute i received an auto generated letter dated XX/XX/XXXX which explained that it didn't appear that me or an authorized person sent the dispute letter. This is the second time that you sent me this same exact letter, ( as I also attempted to send in a dispute referencing the same accounts last year ). I'm taking this to be some type of malicious stall tactic in which you do not want to fulfill my request to investigate my accounts. The accounts and reasons I continue to dispute are as follows : XXXX XXXX Government unsecured guaranteed/direct loan with account # XXXX opened on XX/XX/XXXX and a balance of $ XXXXI dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account and apply the consumer protections laws afforded under the Fair Credit Billing Act to report my account as having no late payments ( paid as agreed ) ; Collection account from XXXX XXXXXXXX XXXX  with account # XXXX and a balance of {$8900.00}. I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. Collection account from XXXX XXXX XXXX with account # XXXX and a balance of {$6000.00}. I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account

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 2021-09-19
Company: LendUp Loans LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I was taking loans out from lendup for many years snd they kep charging me late fees and then reported me as a 30 day late on my credit reports I had multiple conversation with this company between XXXX and XXXX to get this report of my XXXX XXXX XXXX and XXXX. 
They ripped me if for hundreds of dollars for many years. 
I can not get this company to remove late payments I never had or get a refund for their fraud. 
Please help, Address used when I had loans XXXX XXXX XXXX XXXX XXXX CA XXXX Please let me know how to get this resolved as I have hire XXXX XXXX  to get this late payment removed with no success Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
Company: Experian Information Solutions Inc.
State: VA
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:
According to, the federal Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness. All three bureau 's I have asked for information showing proof of this bankruptcy they are reporting on my credit profile. 

I have sent letters to all three bureau 's from XXXX XXXX stating that they didn't release or report this inaccuracy to the three bureau 's. Now the three bureau 's have stated in there reports they received this information from XXXX XXXX 

I have sent the three bureaus a letter from the bankruptcy courts showing they have never released any information regarding my name to anyone. 

All three are refusing to provide me information or proof that a bankruptcy belongs to me. 
It's not fair that these agency can still report inaccuracy on my report and cost me thousands of dollars. I wanted to complaint against the bureaus

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 2021-09-20
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:
I received my credit report to find that things were put on my report that was not authorized by me, I didn't give anyone written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20
Company: SYNCHRONY FINANCIAL
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I made a payment through my web bill pay account at ( XXXX XXXX XXXX XXXX ) on XX/XX/XXXX in the amount of {$400.00} to XXXX XXXX Credit Card ( Synchrony Bank ). I noticed the payment was missing when I was reviewing to file my taxes. I disputed the transaction with my bank on XX/XX/XXXX but Synchrony Bank could not find the payment. Ever time Synchrony Bank charges me for the payment I file a dispute. My most recent dispute was filed at XXXX XXXX XXXX XXXX with a girl named XXXX and she told me XXXX XXXX XXXX XXXX  received notification from Synchrony Bank that the original payment was received back XX/XX/XXXX. I am so frustrated that the payment has not been found for the last year and two months.

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 2022-01-29
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/22 a withdrawal from the ATM was made from my Fifth Third Bank business checking account in the amount of {$1600.00}. It was immediately transferred to my personal checking account. Upon receiving the receipt of transaction, it was discovered that only {$350.00} of the money was received by my account. Because it was after hours that day and then the holiday on Monday, I was unable to file a dispute until XX/XX/22. I was assured that I would receive a provisional credit for the missing {$1200.00} to my account within 8 business days. When that day arrived on XX/XX/22 the money was not available on my account. All my bills were due over the week of me waiting for the credit. Some were paid and others returned causing several overdraft and returned item fees to accrue to my account. My banking and bill payment history will show that I have never had late payments or overdraft issues in the past. On XX/XX/22 I visited the branch where the transactions were made to check on the status of the credit. The bank representative called disputes and I was told that they dont know why the credit hadnt been issued and I was going to have to wait up to an additional two more business days because investigators do not work on the weekend. Additionally, I would not be reimbursed for the NSF fees that were issued by the businesses for the returned items. I have current health issues that require medication that I can not purchase because of my negative account balance. I can not buy food, gas and many other items essential to daily life functions for myself and my family due to my money not being available for an extended period of time. The banks collection department called me on XX/XX/22 asking for payment to bring my account to a positive balance. This was very confusing as I was expecting the account credit the very same day. The lack of communication between departments, the business practices and policies of this bank have created a domino effect of problems for me. It is unfair to me as a customer to have to suffer additional financial loss as a result of a bank error. This ordeal has caused not only financial hardship, but mental anguish, and health complications as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: WELLS FARGO & COMPANY
State: IN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I had a mortgage thru Wells Fargo and they foreclosed on my home back in 2012. I begged them to work with me or refinance me and they would not.

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 2020-01-09
Company: Fay Servicing, LLC
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I went to pay my mortgage online and noticed I was locked out. When I called I was told they could only talk to a bancruptcy lawyer and they could not talk to me. Both my wife and I have never filed for bankruptcy nor do we ever intend to. I was given a phone number for an account manager XXXX XXXX ( XXXX ) and a supervisor XXXX XXXX ( XXXX ). I am never able to reach either of them have left multiple messages. I did speak with another account manager and was told who the person was filing bankruptcy. It is not my wife nor myself and we are the sole owners of the mortgage and the only people listed on the deed. But, they still refused to speak with us.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: WELLS FARGO & COMPANY
State: ME
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
XXXX had a car loan talked to the bank several times about my payment and they said they would work with me and the following day my car was reposed

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