BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-21
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: Reporting company used your report improperly

Complaint:
15 U.S.C 1681 section.602.A.States i have a right to Privavcy To Whom It May Concern I did not Authorize anyone employed by these companies to any inquiry and view my credit report.This is a vi olation of the of Fair Credit Reporting Act Section 1681b ( c ) and a XXXX XXXX of my privacy rights

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: CITIBANK, N.A.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I keep receiving calls from mediation groups to pay off a credit card that I never owned. I am accused of having a citibank XXXX XXXX credit card from XXXX to XXXX with the card ending in XXXX. I have never owned a credit card from a citibank and never seen anything on my credit reports showing I made payments or anything. I own 2 credit cards and they are up to date. I live in Alabama and keep telling them it is not me despite them having my name, phone, address, which anyone can get if they look hard enough. 

I never signed anything, no contract, no agreement, not anything referring to a credit card and asked to see that. I'm told well statements are continuing to be sent, well one, I dont live where the so called statements are going, and two, so what if their statements, thats not an indication that the debt is mine. Anyone can fill out a credit card app and put my info in, not to mention the statue of limitations on credit card is 3 years. If this thing was so called opened in XXXX, it's XXXX and at some point they need to give it up that I am not paying for something I never got. Nothing has ever been put on my credit reports, all three, no collections ever since XXXX. I want them to stop bothering me and my family. They have been told and that means calling my mom too, good lord really .... They seem pretty desperate, sad actually..

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 2023-02-10
Company: EQUIFAX, INC.
State: MS
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 did not authorize the following inquiries on my consumer report and demand them to be removed! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I think it was XXXX, I tried to modify my loan and did everything they said to do. I saved it from auction 14 times to try to save it. I finally had to sale my family home that my grandparents bought brand new in 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 2022-04-11
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: Their investigation did not fix an error on your report

Complaint:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax and XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : XXXX : XXXX  XXXX Balance : {$34000.00} Equifax XXXX XXXX XXXX Balance : {$140.00} XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$5100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24
Company: EQUIFAX, 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:
I've contacted Equifax through multiple platforms via mail or telephone. Pursuant 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) in general subject to section ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
I never gave Equifax any written consent to report anything on my consumer report, No consent is Identity Theft. A copy of the law is attached. In regards to the accounts listed below, as a consumer Im demanding a deletion of these accounts. 

1. XXXX XXXX XXXX  XXXX 2. XXXX XXXX NA ( Inquiry date : XX/XX/XXXX XXXX 3. XXXX XXXX AUTO FIN ( Inquiry date : XX/XX/XXXX XXXX 4. XXXX XXXX XXXX  XXXX XXXX ; Late Payments ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX 5. XXXX XXXX ; Late Payments ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX These accounts, inquiries and late payments are individual actions, they must be delete immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10
Company: Bread Financial Holdings, Inc.
State: CA
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 XXXX XXXX have filed a dispute in regards to incorrect items on my credit report. It has been well over 30 days and I have yet to receive any response from the credit bureaus regarding my investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received an automated email today advising that my account would close due to inactivity with a CEO account. I have never created a CEO account and am concerned this is one of those fake accounts banks fake to make their books look better. 

I am most concerned because my work email was used, and my last name was used. While I bank with Wells Fargo personally, I do not have a business or commercial accounts.

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 2023-04-08
Company: ALLY FINANCIAL 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: Credit inquiries on your report that you don't recognize

Complaint:
I have a few inquiries on my credit from XXXX, XXXXXXXX XXXX XXXX XXXX ALLY, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX TWICE.. I did not authorize these inquiries XX/XX/ 3 of them XXXX XXXX XXXXXXXX, XXXX. Was told to contact the credit agency they say contact the inquirer its just been a back an forward thing.. no I have fraud alert on my account for a year..

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 2022-04-10
Company: TRANSWORLD SYSTEMS INC
State: CA
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 XXXX XXXX have filed a dispute in regards to incorrect items on my credit report. It has been well over 30 days and I have yet to receive any response from the credit bureaus regarding my investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10
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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17
Company: BB&T CORPORATION
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: Information belongs to someone else

Complaint:
FRAUD ALERT! Credit Inquiry Removal/DELETE Request I recently reviewed my credit report and found unauthorized inquiries.

I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose.

According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : BB & T XX/XX/1919 and XXXX XXXX XX/XX/1919 19

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 2023-11-30
Company: Experian Information Solutions 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:
These Accounts doesn't Belong to me : 1. The following account is not mine XXXX Account Number : XXXX Please remove it from my credit report. 

2. The following account is not mine XXXX Account Number : XXXX Please Remove This Inaccurate Account 3. The following account is not mine XXXX  Account Number : XXXX Please remove it from my credit report. 

4. IThe following account is not mine XXXX Account Number : XXXX Please remove it from my credit report. 

5. The following account is not mine XXXX XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

6. The following account is not mine XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

7. The following account is not mine XXXX XXXX Account Number : XXXX Please remove it from my credit 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 explanation
Consumer complaint received 2023-02-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On approximately XX/XX/, I opened a savings account, checking account and a CD account with Capital One. I made deposits to all three accounts. On XX/XX/, they notified me my funds were not available for withdrawal. I contacted them, they said there was " unusual activity '' on my accounts, I verified all my transactions, they then told me they are ending my banking relationship with Capital One. Now, they won't release my money back to me, and I have bills to pay and they won't even give me a date when I will get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02
Company: SELECT PORTFOLIO SERVICING, INC.
State: WV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My name is XXXX XXXX XXXX wife of the deceased XXXX XXXX XXXX, XXXX. I was working with XXXX XXXX  on a modification after my husband passed away suddenly on XXXX XXXX. I was also off work at that time do to a work related injury awaiting XXXX. XXXX worked out the start of a modification ... but sold my husbands mortgage mid modification in XX/XX/XXXX to SPS. I contacted them and they continued to accept my modification payments until I called them XX/XX/XXXX to make the payment and they informed me they could not accept the payment as they had turned it over to an attorney for foreclosure. They claim I am not the successor in interest to my Husbands Estate. I even had to pay an attorney to get a quick claim deed and my children all signed away any rights to this property. I have tried to send all the proper paperwork to SPS on at least 3 occasions. They have talked to XXXX XXXX from XXXX County West Virginia Fiduciary/Probate on the phone with me on a 3-way call 2 separate times and SPS still keeps insisting I am not successor in interest to my husbands estate and XXXX told them all paperwork had been done properly and West Virginia says I am the owner of this property. I want to keep my home and would like to work out a new mortgage with them.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
ID Theft Insurance - XXXX XXXX XXXX XXXX Transunion : Unauthorized Use of Credit Information-Resulting from Identity Theft due to an illegally issued false Evivtion while in Hospital with Theft of Property and all personal belongings : Debit Cards Bank Statements Credit Cards Cash Funds Checks Money Order Receipts Billing Statements Laptops And All Personal Documents and Belongings XXXX XXXX XXXX XXXX- Caused Damages and Undue Hardship XXXX to Current. 
ID Theft Victim : XXXX XXXX XXXX Monetary Reconciliation Requested. 
Reimbursements Refunds and Claim Disbursements via Mailed Check to Consumer. 

XXXX XXXX XXXX XXXX Collection Account : XXXX {$15000.00} ID Theft Restoration and Account Balances and Funds Recovery XXXX Credit Report : Inaccurate Reporting of Information Debt Collection Removal : XXXX XXXX XXXX  {$440.00} XXXX XXXX XXXX {$2200.00} XXXX XXXX {$350.00} XXXX XXXX {$12000.00} Reimbursements Credits and Fee Reversals Corporate Account Check Disbursement for Unauthorized Account Payments -Issue Credits and Refunds : XXXX  Balance {$440.00} XXXX XXXX XXXX XXXX {$2200.00} XXXX XXXX XXXX {$350.00} XXXX XXXX XXXX XXXX {$12000.00} - Disputed Amounts XXXX ( {$0.00} ) Balances Owed. 

Refund for Outstanding Debts and Payments Drafted from Accounts. 

Refunds for Charges Deducted for Bank Account Requested due to ID Theft while Hospitalized. 

Balance XXXX : {$0.00} Delete from Credit Files XXXX 
Discharge Balances. 
Refund Premiums Deducted from Bank XXXX. 

XXXX : Debts not owed -XXXX XXXX XXXX and Account Record for Deletion Total Installment {$28.00} XXXX XXXX XXXX {$130.00} XXXX XXXX XXXX {$2900.00} XXXX XXXX {$2200.00} XXXX Report XXXX XXXX XXXX 2024 Identity Theft Reported Inaccuracies : XXXX XXXX XXXX {$2200.00} XXXX XXXX {$130.00} Credit XXXX Bank XXXX XXXX {$350.00} Sterling Point XXXX Apartments {$2900.00} XXXX XXXX XXXX XXXX {$12000.00} Transunion Credit Report : Credit Collection - {$2200.00} XXXX XXXX - {$130.00} XXXX XXXX XXXX. {$350.00} XXXX {$12000.00} Transunion ID Theft Disputed XXXX XXXX Collection Accounts : XXXX XXXX XXXX XXXX XXXX {$2200.00} XXXX XXXX XXXX {$130.00} XXXX XXXX XXXX XXXX XXXX XXXX {$350.00} XXXX XXXX XXXX XXXX {$12000.00}

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 non-monetary relief
Consumer complaint received 2023-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Dear TransUnion, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX XXXXXXXX

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 2017-12-06
Company: Convergent Resources, Inc.
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I called outsourcing convergent inc on the XXXX XXXX XXXX and told them I had an account on my credit score from them. I told them that debt wasnt mine and it was fraudulent. No one has been any help. Ive called once a week for over a month now.

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 2023-04-09
Company: BMW Financial Services NA, LLC
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
i was XXXX XXXX XXXX XXXX my wallet was took i contacted police right away after was falsely XXXX and given XXXX years when released i notice this account i sent in police report even my release papetrs id for another state please explain to me what info you are using to verify this information i would like to resolve this soon or i will see you in court thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
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: Information belongs to someone else

Complaint:
I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, a few records require deletions. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2020-05-08
Company: Critical Resolution Mediation LLC
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/XXXX, XX/XX/XXXX and many other random dates I do not have recorded as many different numbers keep calling. An amount was never given only that a debt is owed from XXXX when I know I do not owe this debt. It is out of statuate of limitations for my state and there was literally no mini Miranda read letting me know who or what this entails. They are all very rude and wouldnt all a word in. Asked to speak to their attorney as it is in a pre legal status was called out of name told to pay my debt and hung up on. Have asked many times to not be called. Was told will keep calling. No credentials ever given but first names. XXXX and a XXXX XXXX. I am a XXXX XXXX and know my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: Self Financial 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:
After checking my credit report, I noticed that there acre accounts showing negatively on my report that are paid and should be in a positive standing. I have disputed this since XX/XX/XXXX and the company has not removed it as well as another account, that I have been disputing since XX/XX/XXXX, with the same company that has been paid but reporting closed and negatively affecting my credit report. I have asked for the late payments to be removed because the account was brought back current and remained that way for the duration on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I just receive a collect for any place Ive never lived in, I dont understand why a collection of XXXX $ on my account this is hurting me and my scoring so bad Ive been trying to fix my credit and Ive just been running into to weird problems.

Company response to consumer: Closed with explanation