BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-13
Company: EQUIFAX, 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:
I was made aware of an account from XXXX XXXX XXXX today XX/XX/20 when I was denied form getting a loan at XXXX. I had no idea this account was on my credit report reflecting badly because I did not open it. This account does not belong to me and I have reason to believe that it was opened without my permission. I never opened an account with that company and I have never authorized them to run/access my credit. I did not benefit anything from this account such as money, goods, services or any other benefit. I filed a police report regarding this unauthorized account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: Elevate Recoveries, LLC
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:
I have filed a dispute in regards to incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24
Company: WELLS FARGO & COMPANY
State: MN
Product: Credit 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:
On XX/XX/2023, when I checked my credit card statement, I saw {$7500.00} ( {$7200.00} transaction + {$360.00} fee ) was charged to my credit card account on XX/XX/2023 that I didn't authorize. I contacted Wells Fargo the same day to dispute this transaction. They told me that this transaction is a credit card convenient check so they sent me to their Credit card fraud claims department. I called Wells Fargo on XX/XX/2023 and provided them with my Police report and the Federal Trade Commission case number for identity theft, they didn't say anything and told me the investigation is going. But on XX/XX/2023, they sent me a mail and said that they found no evidence of fraud so I will be responsible for that transaction. They didn't provide any information to support their claim. From what I understand, someone will need to call in to request a credit card convenient check. And then a check will need to be mailed to an address. Then someone will need to physically go to a bank to cash it out or purchase something. I didn't even know about these convenient checks before this happened. Wells Fargo didn't provide any information about what happened but they said I did that. I didn't.

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 2022-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 noticed a couple accounts on my report I dont recognize

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 2020-03-13
Company: Chaos Home Loans LLC
State: MI
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2020 XXXX called me and inquiring how my VA loan was going. I thought he was from my employer. So, I realized he was not from my employer after already giving him my social security number and birthdate as well as my husbands. I told him I was not interested in applying for a loan as I misunderstood who he was and that I would obviously originate a loan with my employer instead of them. I told him to make sure all information about my husband and myself be deleted. On XX/XX/2020, after talking with my husband, I called XXXX at the phone number shown on my recent phone calls : XXXX XXXX MI. I asked what the name of the company was and the NMLS #. A XXXX XXXX said it was XXXX XXXX  XXXX  and hung up when I asked the NMLS #. I called again and they said the company name was Chaos Home Loans. Then I would have to wait for a call back from their loan officer. I left another phone message to call me and have not received an answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: ERC
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to deleted the following information in my file. The items I need are listed in the report. I am a victim of identity theft and did not make the charges. I ask that the items be deleted to correct my credit report. I reported theft of my identity to the federal Trade commission and I also enclosed copies of the federal trade commission Idenitity Theft Affidavit. I would appreciate it if you deleted these items as soon as possible its holding my life back Im in the process of purchasing an home for me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: ENCORE CAPITAL GROUP INC.
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I am a victim of FRAUD. I have hired a credit repair company to try and help me. While applying for a home loan I still have several things showing up on my credit that is fraud and shouldnt be there. The credit repair people have contacted them many times disputing the charges on my credit file. They can't prove it was me because it wasnt me that did this. I need help getting these credit issues resolved. I have been dealing with this for years and need someone else to step in and help me get these accounts removed. This fraud has caused my family and I so much hardship. Below I will list several that are still showing up. Theres more but I will have to get with the credit repair company I hired to get the rest of the names and account numbers. 

XXXXMidland funding  XXXX account number XXXX in the amount of {$4900.00} opened XX/XX/XXXX XXXX. Midland funding / account number XXXX in the amount of {$440.00} opened XX/XX/XXXX XXXX. XXXX XXXX/ account number XXXX in the amount of {$930.00} opened XX/XX/XXXX XXXX. XXXX / account number XXXX in the amount of {$5.00}. XXXX XXXX / account number XXXX in the amount of {$480.00} XXXX. XXXX XXXX account number XXXX in the amount of {$600.00} opened XX/XX/XXXX XXXX of XXXX/ XXXX XXXX XXXX XXXX {$760.00} account number unknown XXXX XXXX XXXX XXXX  / account number XXXX in the amount of {$3900.00} XXXX. XXXX XXXXXXXX XXXX / account number XXXX in the amount of {$940.00} opened XX/XX/XXXX XXXX XXXX XXXX XXXX / account number XXXX in the amount of {$1000.00} opened XX/XX/XXXX XXXX XXXX XXXXXXXX / account number XXXX in the amount of {$1500.00} These are all the accounts that I know of that have still not been deleted off my credit scores and breaus. The credit company I hired has been fighting these for XXXX year and they are still reporting on my credit as negative. I need these removed. What else can I do? Ive done everything possible to have this taken care of. Someone please help get this taken care of once and for all so I can get my credit back on track and go on with my life. I dont want to file XXXX  but I might have to if I cant get this resolved. My phone number is XXXX. 

Thank You for your time in reading all of this and for hopefully helping me get these erased. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I always pay my card ( The Children 's Place ) on time. So imagine my surprise when Comenity Bank calls my phone, multiple times, not leaving any messages, and when I do reach them, they are claiming that I missed a payment. My records show that i did pay them, and I do NOT appreciate Comenity harassing me via phone and mail, nor do I not appreciate them lying to all 3 credit bureaus and reporting false information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-24
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I caught suspecious transactions on my account. One on XX/XX/XXXX by XXXX that is {$360.00} and the other on XX/XX/XXXX by XXXX XXXX hotel that is {$580.00}. I confirmed that both of transactions wasn't authorized by me. I reached out to the fraud department of Truist ( my bank ) about these two transcations, and they are refusing to refund due to the same pattern of transaction. One of the specialist in fraud team confirmed that I've never bought any products/ services from XXXX XXXX hotel . Also confirmed that I haven't bought any products from XXXX for about 3 months. I reached out to those two merchants to inform those transactions were fraudulent. I got a name of individual who reserved the room at XXXX XXXX hotel using my card information. I also talked to XXXX customer service about these transaction. XXXX says that the payment didn't go through, so the order is in still pending process, but they still charge me {$360.00}. I told all these information to the fraud department, and they said they are closing the case due to a large amount of cases. They are refusing me to help me, and defending the active criminal who still try to use my card 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 2023-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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: Problem getting your free annual credit report

Complaint:
XXXX : Applied online, given error code NH, told to call, called, repeatedly hung up on by company TransUnion : Applied online, given error code NH, called, repeatedly hung up on by company XXXX : Applied online, given error code NH, called, repeatedly hung up on by company

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 2022-12-29
Company: EQUIFAX, INC.
State: SC
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 XXXX XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. 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 explanation
Consumer complaint received 2022-02-14
Company: Aspen Yo LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My mortgage was sold from XXXX XXXX XXXX XXXX around XXXX or XX/XX/2014. Since then, the loan has been sold more than once but the servicer has not changed from Gregory Funding, LLC which is currently the mortgage servicer. Gregory Funding has been receiving more than the monthly due amount each month for years yet they refuse to report payment history to any of the credit agencies. This act has caused me the opportunity to refinance and further obtain any credit for the payments being made. Coupled with the fact that XXXX has a picture of myself and my wife exiting this home. we are being identified as XXXX in an affluent neighborhood and the refusal to credit the payment history is discrimination coupled with the fact that any lender can readily identify the applicants ( me and my wife ) as XXXX people- based on the fact that XXXX shows our picture at this address.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-18
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:
I have been disputing with credit reporting agencies of XXXX XXXX XXXX account for the amounts of XXXX and XXXX. I 've been a victim of fraud for about 10 years and every year, I am fighting battle of accounts that not mine. XXXX and the credit reporting agencies refusing to show me my signed signature opening an account or proof of my identity opening this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: Experian Information Solutions 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:
I am writing to formally file a complaint regarding multiple unauthorized inquiries that have appeared on my credit report. I suspect that these inquiries may be a result of identity theft. Despite my efforts to address this issue with the credit reporting agencies and the involved parties, the matter remains unresolved. 

Upon reviewing my credit report, I discovered several inquiries that I have not initiated and have no knowledge of. These unauthorized inquiries include XXXX XXXX XXXX XX/XX/XXXX ( Experian Inquiry ) XXXX XXXX XXXX XX/XX/XXXX ( Experian XXXX ) XXXX XXXX XXXX XXXX ( Experian XXXX ) XXXX XXXX ( Experian Inquiry ) XXXX  XXXX XXXX XX/XX/XXXX ( Experian Inquiry XXXX XXXX XX/XX/XXXXXXXX  ( Experian Inquiry ) XXXX XXXX XX/XX/XXXXXXXX  ( Experian Inquiry ) . 

I am concerned that my personal information may have been compromised, leading to unauthorized access to my credit history.

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 2022-12-29
Company: EQUIFAX, INC.
State: GA
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 XXXX XXXX account # XXXX, and XXXX account # XXXX have 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/21 I received services from XXXX  XXXX XXXX 's XXXX XXXX at which time I paid my copay of {$50.00}. XXXX XXXX sent out labs to XXXX. XXXX XXXX billed and got paid by my insurance. XXXX did not. XXXX sent {$1200.00} to CCS and after I told them it was a mistake and that I never had lab charges so high. I called XXXX XXXX 's office and they informed me they got paid and it was a mistake and I didn't owe anything. I emailed XXXX  I found out they didn't respond to my first inquiry so I called CCS. I informed them I had insurance and the Dr. got paid. THe rep said I owed it becuase the insurance never paid. I demanded verification that the insurance was billed and he would not send it and insisted I pay the {$1200.00}. They never sent me anything so I notified XXXX through email I was planning to sue them and the collections agency as they damaged by credit and was turned down for a loan. I sent screenshot of my insurance portal to CCS/XXXX  shwoing XXXX XXXX was paid and there was nothing from XXXX. They asked for an EOB. I replied with How can I send you an EOB if you never billed my insurance. My credit score dropped XXXX points and I have proof of this and the damage this has caused.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: TD BANK US HOLDING COMPANY
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:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: EQUIFAX, INC.
State: SC
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:
XX/XX/2022 I sent a notice of fault and opportunity to cure letter to XXXX XXXX informing them that they are invading my right to privacy by reporting transaction and experiences on to my credit report in which I never gave written consent for the account to be furnished on my reports. I have yet to hear back from them and is really trying to reconcile this. They are violating 15 USC 1681a ( 2 ) ( A ) ( i ) a consumer report information solely as to transaction as to transaction or experiences between the consumer and the person making the report ;. I need to know that this being taking care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07
Company: Experian Information Solutions 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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, NC XXXX For XXXXExperian & Attorney General/Consumer Finance/XXXX. 
RE : Request to Block Unauthorized Charges & Accounts from Credit Report under FCRA 605B I am a victim of identity theft. The information listed below, which appears on my credit report, is the result of identity theft in XXXX The affected accounts are listed below. 
XXXX/XXXX ACCT : XXXX AMT :  {$1000.00} XXXX/XXXX ACCT : XXXX AMT : {$3400.00} XXXX/XXXX  XXXX  XXXX   ACCT : XXXX AMT : {$880.00} XXXX/XXXX ACCT : XXXX AMT : {$3000.00} XXXX/XXXX  ACCT : XXXX AMT : {$3100.00} XXXX/XXXX ACCT : XXXX AMT : {$640.00} XXXX XXXX   XXXX ACCT : XXXX AMT : {$700.00} XXXX XXXX XXXX  ACCT : XXXX AMT : {$800.00} XXXX/XXXX   ACCT : XXXX AMT : {$660.00} XXXX/XXXX  XXXX XXXX ACCT : XXXX AMT : XXXX I have enclosed my FTC Identity Theft Report showing the fraudulent items. 
I have continuously been in contact with XXXX, Ex, and XXXX via the CFPB. Investigations have been continuously, with previous verdicts not in my favor from XXXX, XXXX and Experian, However, XXXX ( which is the Bureau that previously leaked millions on Consumers information and was the sole target of one of the largest data breaches in history ), has not complied and WILL NOT comply with this request. XXXX and Experian all seem to gloss over my request with pleasure. 
This is again a demand to remove such information from the report in question. 
Please block this information from my credit report, as directed by section 605B of the Fair Credit Reporting Act, and notify all furnishers of this information. 


I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XXXX Enclosures : XX/XX/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 2022-12-29
Company: Experian Information Solutions Inc.
State: IL
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'm XXXX XXXX, and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The XXXX credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation