BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-04
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 2021-08-04
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:
fcra violations not mine : remove it : XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX EMPLOYMENT INFO XXXX XXXX XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-05
Company: WELLS FARGO & COMPANY
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 status incorrect

Complaint:
My name is XXXX XXXX, a federally protected consumer, and I am filing this complaint against ( WF CRD SVC ) for furnishing false and misleading information to my consumer report as a means to bring harm to me and my financial reputation. This account is listed as a Charge off on my consumer report as shown in attached exhibit A. This is false and misleading.

I am aware the definition of a Charge Off, pursuant to 7 CFR 1956.54, is The writing off of a debt and termination of collection activity without release of personal liability. 

Im also aware that once a debt is cancelled, it now becomes gross income.

Pursuant 26 U.S. Code 61 ( a ) ( 11 ), Gross income includes income from discharge of indebtedness.

Was a 1099-C filed on this account? If so, I never received one.

I am aware that a 1099-C must be mailed to consumers by January 31st the following calendar year in which the identifiable event occurs. If your company has mailed me a 1099-C, please provide documentary evidence, such as a tracking number, that proves I in fact received and was aware of a 1099-C.

Knowingly furnishing this false and misleading charge off to my consumer report is a violation of 15 U.S. Code 1681s-2.

If WF CRD SVC has filled out a 1099c form and is continuing any kind of collection activity as defined under 31 U.S. Code 3711 ( e ) by performing any of the following conduct ; administrative offset, tax refund offset, referral to private collection contractors, referral to agencies operating a debt collection center, reporting delinquencies to the credit reporting agencies, garnishing wages, pursuing litigation or foreclosure, you are committing tax fraud and should be reported to the IRS for a fraudulent financial gain.

I am aware and I am invoking my right as the consumer to demand the money audit trial in accordance with 12 U.S. Code 5562 ( c ) ( 10 ). I would need this product of document material as documentary evidence in order to properly address this subject matter and without this documentary evidence there can be no validation of such debt.

Furthermore, in order to validate the debt, please provide verification through audit certification of debt entry in accordance with XXXX, IRS, in accordance with XXXX XXXX, and XXXX conversions. 

If any of the above can not be provided, this account must be removed from my consumer report immediately to prevent further harm to me and my financial reputation.

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 2023-05-13
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:
On my credit report, I have been challenging fraud INQUIRIES. My credit score has been negatively impacted by these false INQUIRIES, which the Equifax bureau appears to be ignored. If the INQUIRIES claim that they are mine, I have asked that an investigation be opened and that verifiable evidence be provided. ENOUGH is ENOUGH for me! How much documentation is necessary to actually get someone to do something? ASK TO VIEW THE ATTACHMENTS! NOT IN ROCK SCIENCE, THIS! I've provided the documentation you requested. ANOTHER TIME, AGAIN, AND AGAIN! This is my final resort before I discuss this with my attorneys and file a lawsuit to recover all damages and money due. Please quickly remove the INQUIRIES. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This medical debt has been on my credit for quite some time. I have disputed this with the credit bureaus and XXXX  has claimed that the company has, " met the requirements of the FCRA ''. I have never used this company, nor have I given them any personal information such as my SSN. 
This company claimed I used their services in Florida, when in fact I was living in Colorado at the time.

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 2021-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
my name is XXXX XXXX there are fraudulent accounts and inquires listed on my credit report, i am writing this to delete and remove those things off my report. i am a victim of identity theft i've already sent letters to try and solve this problem and it is heavily affecting my life. I've included my FTC report and identity theft affidavit along with the letter that I've sent to the credit 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 2023-05-12
Company: EQUIFAX, INC.
State: NV
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:
I recently received a copy of my credit report and found inaccuracies on the XXXX account. This account is closed and is showing late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15
Company: Source Receivables Management LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
My name is XXXX, a federally protected consumer, and I am making this complaint against SOURCE RECEIVABLES MANAGEMENT, for committing identity theft. I have never given SOURCE RECEIVABLES MANAGEMENT, any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ).

I have not validated any alleged debt with SOURCE RECEIVABLES MANAGEMENT and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XX/XX/2022, I have not received any documentary evidence, such as a trilateral contract, giving SOURCE RECEIVABLES MANAGEMENT any right to collect on this alleged debt. I have never received any documentation requesting validation from SOURCE RECEIVABLES MANAGEMENT, before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If SOURCE RECEIVABLES MANAGEMENT, can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation.

I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until SOURCE RECEIVABLES MANAGEMENT, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and SOURCE RECEIVABLES MANAGEMENT, continues its collection efforts, I will file for litigation for actual damages caused and they will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: JPMORGAN CHASE & CO.
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2023 I received a cashiers check for {$20000.00} I reached out to Chase bank and asked their policy. I was told that likely the check would be placed on a hold however the back office could release the check within a day or 2. Upon receiving the check I went to my local branch and prior to depositing the check I asked the teller about the hold times. She stated that it could be up to 7-10 business days but she would not know until she made the deposit. She also stated that once the system lets her know if I chose to cancel the transaction I could receive that check back. Once she processed the check she gave me a receipt indicating a release date of XX/XX/2023. She said to call the number on the bottom as they can provide more insight as to the time frame. I sat down at the branch and called customer service. The customer service representative explained I would have to call back today XX/XX/2023 and speak to a representative. He specifically told me that he assures me there is no need to cancel the transaction and once the funds can be verified today XX/XX/2023 they would be released. " I assure you XXXX XXXX we WILL resolve this for you tomorrow '' therefore leading me to believe this would occur. I called this morning and after XXXX transfers am now being told that they WILL NOT be releasing my funds to me in part or entirety until XX/XX/2023. It is pathetic for a financial institution of any caliber but especially of this caliber to take advantage of and mislead their consumers to believe once thing and do the exact opposite. 

Again, this is a cashiers check issued to me from an estate account as a result of my mothers death. Regardless of the hold I am familiar with The Expedited Funds Availability Act ( Regulation CC ) which has also been brushed to the wayside in this scenario. 

Once these fund are made available I intend to return to the branch withdraw every cent and close my account. I do not appreciate Chase representatives taking advantage of my lack of knowledge as a consumer and misleading me with fictitious bait and switch statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03
Company: ALLY FINANCIAL 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: Their investigation did not fix an error on your report

Complaint:
I paid my auto loan in full on XX/XX/2021. However the balance was never removed from my credit report so I filed a dispute. 

XXXX  sent me dispute results. The file containing said dispute results is corrupted and will not open. 

Despite providing them with documentation showing that the Ally note was paid in full, XXXX  is still reporting that the account was closed with a {$5000.00} balance. They also dropped my credit score FIFTY ( 50 ) points.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: Wheels of Chicago, Inc.
State: IL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I purchased a XXXX XXXX XXXX in late XX/XX/XXXX. I went totally confident and left very pleased with this vehicle. 3 weeks after I had the car it rained and my car got flooded. I called service and the lady told me that it was normal because the vehicle has a sunroof. She told me to bring it in and she would have it drained. A few days later the panel indicated that my tires ' pressure was low. In a time frame of 3 weeks, I had to get 3 new tires. I purchased the 3 tires hoping that it was just bad luck that I got 3 defective tires. On XX/XX/XXXX the car started shaking on drive when I came to a total stop. I called service and they gave me an appointment for Thursday XX/XX/XXXX. I took the car in on XX/XX/XXXX. Service called me and told me that 3 mounts had to be replaced. They gave me an estimate of {$870.00} and told me that it would solve the problem She told me to call Chicago Acceptance so that they can help me finance so that I can get it fixed. I went to pick up the car on XX/XX/XXXX ( 7 days later ), and the girl from service told me that the car wasn't shaking as much as before and that it was only shaking when it was on drive. I told her that this was the reason why I brought it in the first place. She told me that it might be that it needed to have the oil drained and that would be an extra {$1000.00}. She told me that the car wasn't sending a code so they weren't sure why it was still trembling. She told me that if it doesn't stop then I should take it to a place where they fix transmissions. XX/XX/XXXX, my car is trembling violently and the check engine light on the panel is on and a wrench indicated that the car needs service. The car stopped working completely. I got the car towed to Wheels of Chicago and the owner told me that I need to pay {$5700.00} to get my transmission fixed when he told me that the vehicle came with a transmission defect and that it had a recall. He stated that he would take it to get it fixed because he had to take his XXXX XXXX for the same reason. I told him that I couldn't do that amount he gave me a 25 % off making it sound like a great option for me to provide upfront {$1100.00} or they will put my car in storage and I still have to make payments. I never once missed a payment on that car. I was paying {$600.00} + {$240.00} for insurance a month for a car that has been giving me problems since day 1.

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 2023-06-09
Company: EQUIFAX, INC.
State: AR
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:
This is XXXX XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that needs to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are being updated rith away 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 non-monetary relief
Consumer complaint received 2023-05-02
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian credit bureau must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The item need to investigate and correct for erroneous reporting in my file and are listed on my credit report. XXXX XXXX XXXX XXXX Date Opened XX/XX/19 Balance {$0.00}

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 2021-08-03
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
On XX/XX/2021, I reached out to Equifax to unlock my account so I could life a credit freeze. For some reason they couldn't get my account to unlock. I also called their customer service number to attempt to lift my credit freeze over the phone, which they said they did, but it didn't go through. I'm applying for a mortgage and it's holding me up from continuing because I can not log into my account even after the allegdly reset the password. 

I'd like to be able to access my Equifax account to freeze and unfreeze my credit as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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: Problem with personal statement of dispute

Complaint:
TransUnion consumer reporting agency sent me a letter stating that they need more proof of my personal information to verify my claim. 

I am not the one needing to verify who I am, this is a delay tactic. 

TransUnion is to remove inaccurate reporting of my information. Reporting my personal usage, balances, delinquency, and or collection status is unfair practicing and illegal according to 15 USC 1681 section 602 A and 15 USC 1681 Section 604 A section 2 and A1. They are reporting on what congress defines as transactions and experiences which is not prohibited. Under 1681 N civil liability will hold them accountable for damages, denials of credit or rejections due to inaccurate, unlawful reporting. 

File numbers are XXXX and XXXX. 

XXXX and delete 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 explanation
Consumer complaint received 2023-03-27
Company: Experian Information Solutions 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:
I Have no knowledge of this account and my name was fraudulently used to open this account in the amount, I am requesting that you investigate this matter and to correct this inaccurate information.

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 2023-01-26
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Ive noticed unauthorized inquiries on my report AND Fair Credit Reporting Act ( FRCA ) requires all unverified and unauthorized items must be removed from my credit report. 

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