BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-14
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have sent in numerous letters and disputes regarding information that is reporting on my credit file that does not belong to me. I have sent over a copy of my identity theft report and filed previous complaints with the CFPB and the items are still showing on my credit file with Equifax, all other credit agencies have deleted the accounts listed fraudulently due to identity theft but each time i speak to representatives at Equifax nothing is being done. I have been hung up on and advised the dispute takes 30 days and have been waiting 45 + days to get results. Just recently i contacted equifax regarding disputes that were finalizing on XX/XX/XXXX and XX/XX/XXXX and nothing was blocked or removed. The creditor XXXX XXXX is still listed although i sent in a letter FROM THE CREDITOR that clearly stated the account was to be deleted. When i informed the representative of this he stated that it would have to be reopened to investigate it again. So i am expected to wait another 30 days after i just waited 30 days for this company to re investigate something that should have been done properly the first time. That is unacceptable. I also asked about the other items listed : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, and XXXX, i was informed that all items were still listed on my report. I have advised that i have no knowledge of these companies and that i AM A VICTIM OF IDENTITY THEFT. These items should have been REMOVED/ OR BLOCKED FROM MY REPORT PER FTC GUIDELINES. this process has not been followed and the unprofessional reps that are there to assist have no clue what is going on. This has created emotional and mental hardship and the next stage of this process if not resolved will be to file a civil suit regarding the inaccurate reporting and violation of my consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-01
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting 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:
On XX/XX/23 I checked my credit report to see numerous unauthorized inquires.

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 2020-09-25
Company: Experian Information Solutions 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:
Dear Experian, 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 : Creditor : XXXX XXXX  XXXX Inquiry Date : XX/XX/2020 Creditor : XXXX XXXX Inquiry Date : XX/XX/2020 Creditor : XXXX XXXX   XXXX Inquiry Date : XX/XX/2020 Creditor : XXXX XXXX   XXXX Inquiry Date : XX/XX/2020 Creditor : XXXX XXXX Inquiry Date : XX/XX/2020 I understand that per the Fair Credit Reporting Act, you are required to notify me of your investigation results within 30 days.

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 2020-08-31
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
We received letters from Wells Fargo informing us that all of our accounts will be closed by XX/XX/XXXX, with no explanation. We have 3 accounts for my wife and I, and XXXX for our adult children. We called Wells Fargo and they told us it is a business decision and could not offer more information. We had our accounts for nearly 21 years ( Wachovia then acquired by WF )

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 2022-05-24
Company: World Acceptance Corporation
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:
On or about XX/XX/2016, I was shopping in XXXX XXXX XXXX. I stopped at the food court and bought a meal. After I finished eating, I went into XXXX XXXX to try on a couple of suits. I didn't see anything I liked or that fit me quite right, so I decided to leave the mall. When I got back to my car, I realized that my wallet was missing. I immediately ran back into the mall and retraced my steps to see if I could find it. I checked the food court and the dressing room where I tried on the clothes. I couldn't find it and no one else had seen it either. I cancelled my bank and credit cards and made plans to go get another social security card and license. 

Recently, I had my credit pulled because I'm trying to purchase a home and noticed some accounts and inquiries that didn't belong to me and that I didn't authorize to be opened. XXXX XXXX ( from XXXX XXXX ) and XXXX accounts from World Finance Corporation. I never opened those accounts nor did I sign or authorize anyone to open those accounts on my behalf. I believe those accounts are the direct result of me losing my wallet in 2016 at the XXXX XXXX XXXX. 

I also see that someone applied for a car in my name resulting in various inquiries on my report. I did not apply for a vehicle, nor did I authorize anyone to run my credit and I surly didn't sign for anyone to run my credit. Here is a list of the inquiries that appear on my credit that were not authorized : XXXX XXXX CO, XXXX XXXX and XXXX XXXX XXXX The above is a list of all the accounts and inquires that resulted from identity theft. 

I am requesting that all three of these accounts and all three of these inquiries be removed from my credit reports with XXXX, XXXX and XXXX immediately. I have tried to resolve this matter with these companies as well as went through the normal dispute process offered by XXXX, XXXX and XXXX with no success. XXXX also including a copy of the police report that was filed for the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-13
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:
I have a identity theft report on file with Equifax, I followed the procedures for reporting fraudulent accounts on my credit report and Equifax refuses to comply with the FCRA law regarding to the reporting of ID theft by a consumer. I was not given notification that my report was received and being investigated AFTER the original 4 days that Equifax has to block information from my credit report. I was not given a clear reason as to why Equifax refuses to remove, block or delete these items, I am consistently told that its proprietary information and I am not privy to the information. These items are not mine and Equifax 's refusal to remove these from my credit report is hurting me financially, and is causing me to suffer by not being able to obtain credit that i rightfully deserve.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05
Company: Experian Information Solutions Inc.
State: MA
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:
XX/XX/2021, XX/XX/2021 XXXX : {$1400.00} This item was disputed multiple times also agent called credit on 3 way and we still couldnt get any validation or documentation send in mail. Consumer creditor completely would allow documentation to be sent out to me for proof of this debt and this is not my debt. 

Also I have NEVER received any information on this account by mail. 

Also I filed a complaint with the CFPB about the creditor. 

Consumer creditor call company while I was on the phone the original creditor is no longer in business. No information can be found by the original creditor.

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 2023-02-25
Company: National Credit Systems,Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX, National credit system sent me a validation notice letter regarding a debt owed to their clients the XXXX XXXX XXXX One for {$600.00} account number XXXX and the second for {$7500.00} account number XXXX. The letter stared that I have until XX/XX/XXXX, to dispute all or part of the debt. Please see PDF exhibit 1 and 2. 

On XXXX I responded by certify mail requesting for a validation letter. Exhibit 1 and 2. According with the tracking number attached they received the letter on XX/XX/XXXX. 

On XX/XX/XXXX, I received another letter from national credit system stating that they want to resolve this issue if I pay 50 % of the debt. I responded asking for a validation letter. Please see exhibit 3 and 4. They should receive the letter according with the tracking by XX/XX/XXXX. 

On XXXX XXXX I got an alert in my credit report that national credit system has reported the accounts as derogatory to the three major bureaus ( XXXX, XXXX, XXXX ). The same day I called XXXX, XXXX, XXXX to begin a dispute. 

The same day I contacted the national credit system to request to remove the mark until the debt has been validated. They said that they have been trying to contact me since XX/XX/XXXX. I never received any letters, phone or electronic message before from the national credit system or their client ( XXXX ) regarding this debt. They were very rude and unprofessional. I was constantly interrupted by the agent, making it impossible to communicate. He took my e-mail address and stared that they will e-mail me a validation letter in 24 hrs. Until this day i have not received any correspondence from them. 


On XXXX my husband received a letter from them regarding the debt. They stated in the letter that they will soon report this account to the credit bureau if he did not respond asap. Please see Exhibit 5. 

I want to mention that my husband ( XXXX XXXX ) was never contacted before regarding his debt, never did he receive a validation note, a phone call or an electronic notice. We requested a validation letter. Please see exhibit 5.

We did not know about those charges ; we were never contacted by the XXXX XXXX regarding this debt before it went to collection. rented for them for 3 years and we always paid on time.

I want to mention that we were approved for a mortgage loan, and we will be closing at the end of XXXX. I am afraid we won't be able to close due to their allegations. Please let us know if you can help us. 

Thank you so much.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I TALKED AND DISPUTED THE ACCOUNT WITH GENESIS CREDIT. XXXX XXXX XXXX XXXX THIS ACCOUNT showed UP ON MY CREDIT. 
I am not responsible for this collection. I spoke with them trying to solve the problem. 
This apartment was never my responsibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05
Company: ENCORE CAPITAL GROUP INC.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Midland is reporting in my credit file however it is inaccurate because it was said to be late yet all the payments are OK. I do not think that this is mine. I did my research on what to do because it is affecting my scores to badly, I asked for documents, disclosure and where did the account came from but they failed to provide me so I came online and researched. The plaintiff is asking the same thing that I wanted and at the end of it all the plaintiff won this case. I am talking about the Texas VS Midland Funding Case. I have learned that Midland claims to have a disclosure and an agreement that there is a Consumer Agreement for all who they are collecting from. I guarantee you that there is no such thing that I have agreed upon to.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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 believe that I am a victim of identity theft Reason being I am unable to freeze my account, online due to the fraudulent entries on my credit report where someone fraudulently used my name to lease and purchase vehicles and vehicle tags. There are bank accounts last XXXX digit information of banking accounts in my name that I do not own.. 

I have never owned a vehicle in my life, I have never owned a drivers license never in my life since 2015 someone has been fraudulently purchasing vehicles tags and bank accounts in my name

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 2023-07-17
Company: WELLS FARGO & COMPANY
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I made 2 XXXX XXXX transactions, realized they were a scam before the transaction went through, the money hadnt been deducted from my account when I reported it, the first person I spoke to at Wells Fargo told me she recommended to not stop payment but to open a claim and everything would be fine Wells Fargo denied my claim and now said I cant appeal the decision, I told them had they stopped the transaction before it went through we wouldnt be in this situation, now Im out {$260.00} and Wells Fargo is saying I have no options and it was a done deal, Im just going to have to take a loss, they also told me today that they actually never had the option to stop payment, then why did the first employee tell me different? She couldnt answer that question today

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 2022-05-24
Company: HYUNDAI CAPITAL AMERICA
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I am attempting to get the title of my vehicle that was paid off in XX/XX/2020. The FL  DMV shows there is still a lien on the title, however, there is no longer a lien on the title. I have spoken with hyundai motor 3 times to get this satisfied. They can not tell me why it has been almost 2 years without a title release. I am told to contact them again in 3-5 business days to find out the determination of the release request. They stated they tried to release the title in XX/XX/2020 but they did not. They could also not tell my why. None of the service reps are able to give me any other information regarding why the title can not be released, other than " we will submit the request '' and that my account is " all in order and satisfied ''. It has been almost two years since my final payment.

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 2023-03-01
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for sams credit card and because I am older and did not have mobile phone number to text to the denied my application. I am unable to reach them and have great credit rating

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 2023-03-01
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
2018 was given a modification by using AFFORDABLE HOUSING AGENCY IN XXXX NJ, XXXX RECORDED THIS MODIFICATION AS A FORECLOSURE! AS A RESULT, A NEGATIVE REMARKON MY CREDIT FOR MAKING LATE PAYMENTS HAS NOT BEEN REMOVED BY XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25
Company: Kriya Capital, LLC
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My name is XXXX XXXX, account XXXX, address XXXX XXXX XXXX, XXXX Ma XXXX, I have called XXXX XXXX on last XX/XX/2022 and cancelled my account because I already had XXXX during that time. I did pay my last bill and today I received a bill from Collection with the amount {$370.00}. I called them but they never fixed the issue. Please help me to dispute this bill. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-06
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:
I noticed there were several inquires from XXXX XXXX XXXX XXXX, and XXXX XXXX on my report that I did not recognize nor did I request anything from these companies. I contacted Transunion and told them I did not apply for anything from this Us small Bus and requested that it be deleted and they refused. I want this deleted ASAP.

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 2022-05-24
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX 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 reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XX/XX/XXXX, My son called property manager of apartment complex to get Security Deposit, leasing agent told him we owe money. The keys to the apartment was returned on XX/XX/XXXX. XX/XX/XXXX the collection agency sent my son an email stating that we owed {$7100.00}, I did not receive an email and I am the primary signer on the lease. The email did not state my rights to dispute or that I had 30 days to dispute, as state I did not received notification by mail. In the invoice there was a list of charge There was a list of charges with no explanation which months rent and expenses are collected/owed. The line items with amounts that are not factual and the write off Charges do not have description just numbers/amounts with negative or positive signs. The line items must have a description to determine the validity of the amounts, there are number but the same amount has a different number ( {$2200.00}, has XXXX, XXXX, XXXX ) which listed in one area as based rent ; this item must always have the same number code assigned even if different month. Utilities cost more for 20 days than entire month. Rent amount is {$1800.00} which included trash pick up, water, insurance. 
Sewer is billed from an outside company at rate of approximately {$50.00}. 
Water cost more for 20 days than for 30 days This debt is fraudulent, the apartment complex received payment as stated in the judgment issued XX/XX/XXXX and it was for five days of rent. No court filing were made after XX/XX/XXXX. 
GENESIS CREDIT MANAGEMENT LLC, has this amount as owing rent and is listed when my name is search on the internet, which lead to myself and my son not being able to rent an apartment with this collection on my credit report. Genesis Credit did not file any legal complaint against me or my son which violates FRCA.

Company response to consumer: Closed with explanation