BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-15
Company: EQUIFAX, 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:
your investigation turns out THE worse. XXXX sold the account in XX/XX/XXXXwhy am I being reported late in XX/XX/XXXX THAT HAVE NO RIGHT TO REPORT PASS XX/XX/XXXX WHEN THEY SOLD THE ACCOUNT that's inaccurate reporting you had three time to fix now time to delete trade line payment status with all accounts are SOLD /CHARGE OFF NOT IN COLLECTIONS

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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, account name XXXX account number XXXX. 

XXXX account number XXXX. 

XXXX XXXX XXXX XXXX XXXX 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 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 2018-05-15
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
We purchased a rug at XXXX XXXX, XXXX XXXX, Florida on XX/XX/XXXX. We were encouraged to make a credit card application to receive an additional discount. After doing so, the rug was not further discounted and we requested that the credit card application be rescinded ( we paid with an existing credit card ). We were told they couldn't do that and we were given a phone number to call at Synchrony Bank, the credit card issuer, to discuss the matter. We called and explained why we did not want the credit card. The representative of the bank concurred and said that they would confirm in a correspondence. All of the above actions took place within a two hour period. We received the correspondence dated XX/XX/XXXX indicating that the credit request was denied. Our regular financial institution has indicated that we have an XXXX out of a potential 850 FICOS rating. We are proud of that and don't want the misrepresentation by XXXX XXXX and inaccurate rationale by Synchrony Bank to have a negative impact. It is our experience that having a credit report corrected is difficult and time consuming. XXXX XXXX says they can do anything and Synchrony Bank make it difficult to communicate with them. Please help..

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 2023-07-31
Company: Experian Information Solutions Inc.
State: CT
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 really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-05-15
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This complaint submission is in regards to a false credit report by ( Midland Credit Management XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, XXXX XXXX ). I have made attempts to rectify this matter with them directly as they have now been unresponsive. I spoke with a representative who was both uncooperative and uninformative. The representative was extremely aggressive and stated they will not cooperate in a Debt Validation. The representative continued to deny my request on information regarding the account. I then made another attempt and I was finally provided with the mailing address so I could forward them a Debt Of Validation letter. This Debt Of Validation letter which was sent twice in XXXX of 2023 and XX/XX/2023, was confirmed through CERTIFIED MAIL that the Supervisor had received the files by signature confirmation. At this point it is now XX/XX/2023, and after 30 days of notifying them, neither my Attorney nor I have received any response, or correspondents. I specifically asked for proof of the alleged debt and anything in signature or JUDGEMENT BY LAW stating I was obligated to pay them or falsely report a debt to the three major Credit Bureaus. They failed to return the requested information on the Debt of Validation Letter. I have never made any agreement with them nor the original creditor to pay anything, nor was I properly notified of this false reported debt. I am requesting Midland Credit Management ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) to immediately remove me from their systems and update all 3 major Credit Bureaus specifically ( XXXX, XXXX, & XXXX ) on this action. They have failed to follow the guidelines which were all provided to them in the Debt Of Validation letter that supports the Fair Debt Collections Practice Act. In result, Midland Credit Management are violating my rights and are also causing financial hardship with this debt being reported. This false report by Midland Credit Management has prevented me from gaining access to any lenders due to XXXX XXXX on file. At this point they have failed to provide any competent evidence or any legal obligation and ( Midland Credit Management XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, XXXX XXXX ) is currently in violation of the Fair Debt Collections Practice Act, 15 USC 1692g. If this report is not updated immediately to the 3 major Credit Bureaus, I will be taking legal actions and will immediately file a Civil Suit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18
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: Account status incorrect

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX - NUMBER 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.

( 30 ) DAYS LATE PAYMENT REPORTED TO ALL 3 CREDIT REPORTING AGENCIES

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 2019-02-27
Company: Experian Information Solutions Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
IN XX/XX/2018 I SWITCHED FROM THE WIRELESS CARRIER XXXX XXXX TO XXXX. XXXX PAID MY REMAINING DUES FOR MY PHONES ANMD LAST BILL. XXXX ISSUED A CARD WITH REMAINING PAYMENT OF {$1300.00} AND I PAID THE REST OUT OF POCKET. XXXX XXXX SAID THE ACCOUNT WAS PAID YET IT NOW SHOWS THAT IT IS IN COLLECTIONS. I HAVE DISPUTED WITH XXXX  AND THEY INFORMED ME THAT THE ACCOUNT WAS INDEED PAID AND THE COLLECTION WILL BE REMOVED.

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 2022-04-19
Company: JPMORGAN CHASE & CO.
State: ID
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2022 a scammer disguised as an interested buyer on XXXX marketplace became interested in the product and he said he can only use XXXX to transfer money to buy the product. He pretended to send the money, sent a fake screenshot of the transfer, and then sent a series of fraudulent emails replicating a real bank XXXX email. The first email stated : " We have a problem crediting your funds {$300.00} because the account status is not a business user which makes your account have limits. This amount seems to be above your limits so you have to take this urgent step to expand your limit To fully expand your account into a business account, contact the buyer of your item to send in an additional payment of {$300.00} into your XXXX account to expand your limit. Soon as this is done, we will credit your account with the total sum of {$600.00} and free {$50.00} bonus from XXXX user administration. '' The second email stated : " We congratulate you for successfully upgrading your account to a Business User which gives you Unlimited Access to receive any amount of money from now on. For your account to be credited fully with the sum of {$650.00} USD. You are required to contact the sender to refund back the sum of {$300.00} USD so as to secure the additional payment sent to expand your account. Below Is The Instructions : Contact the sender for information to refund back the {$300.00} USD Take a picture of the {$300.00} USD payment and reply to this email. Instant {$650.00} USD into your XXXX account. " Additional emails were sent by the fraudulent bank emails to send additional money. At this point, I finally realized this was a scam but still ended up losing {$300.00} via XXXX XXXX in the Chase App.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18
Company: BMW Financial Services NA, LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I try several times ask for more time to pay my past due balance but unfortunately BMW financial never give me a chance, then I Voluntarily return the car to the dealership

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I have a Home Depot ( Citibank ) credit card. Someone committed fraud against my account multiple times. I think it started in XXXX or XX/XX/2019, but I don't have all the information I requested. I was provided this information over the phone. XX/XX/19 the following charges : {$51.00}, {$480.00}, {$43.00}, {$250.00}, {$240.00}, {$3700.00}. I was told my total was {$1100.00}. They say my new total is {$790.00}. None of these purchases are mine. I did not authorize anyone else to make these changes. They could not itemize the charges. I only know they said that someone ordered a washing machine online. They delivered the appliance, but could not supply the address nor provide a copy of the signature of a woman who supposedly accepted the washing machine. It was not me. They said that I ordered tools, but I did not do this either. I have called Home Depot the following dates : XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX ( 3 times ), XXXX ( 3 times ). I have spoken to at least ten times. Each time I have insisted everything was fraud. I'm being harassed.

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 2023-07-31
Company: Experian Information Solutions Inc.
State: SC
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:
This is my six endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, SC XXXX XX/XX/2021 XXXX XXXX  Balance : XXXX XXXX XXXX XXXX XXXXXXXX Balance : 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 2019-07-22
Company: Experian Information Solutions Inc.
State: PA
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 an inquiry on my credit file that I did NOT authorize. I tried disputing the inquiry with Experian multiple times and they refuse to conduct the investigation against my rights. I did not give any employed by this company to many an inquiry and view my credit report. This is a violation of FCRA 1681b ( c ) and is a serious breach of my privacy rights! 


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
Consumer complaint received 2020-11-25
Company: ENOVA INTERNATIONAL, INC.
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint:
I received 3 emails from NetCredit claiming that I opened and signed for an account which I did not.This is clearly not just marketing since they claimed I signed for this account in their second email, yet their third email says something about my loan offer is ready ... If this is marketing, it is predatory or at least misleading. If it is fraud it is even worse ... There is a New Inquiry reported on my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: EQUIFAX, INC.
State: WA
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:
Equifax have broken the law by not responding to me. Equifax received my letter I have provided proof of tracking. They verified my account against law of usc 15 1609 FDCPA. Be advised this is 3rd and final written attempt warning that I intend to filed litigation in accordance with FCRA TO ENFORCE my rights, seek relief and recover all monetary damage that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. Despite 2 written requests, the unverified items listed below still remaining on my credit report in complete violation of federal law. Equifax is required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In result of your first investigation, and subsequent reinvestigation, you mentioned in writing that you verified that these items are being reported correctly? I would like to know who verified these accounts? Equifax did not provide me a copy of any original documentation with ( consumer contract with my signature signed on it ) as required under 609 ( a ) ( 1 ) ( a ) and section 611 ( a ) ( 1 ) ( a ). You have failed to provide the method of verification as required under section 612 ( a ) ( 7 ). Be advised that under 611 ( 5 ) ( a ) of the FCRA you are required to promptly delete all information which can not be verified. The following accounts should be paid on time and open not closed XXXX XXXX, current account should be reporting paid on time XXXX XXXX XXXX, Delete XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: Experian Information Solutions 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 am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX  XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2023-07-31
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identity theft please remove this fraud inquiry 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 non-monetary relief
Consumer complaint received 2022-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 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

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 2023-07-31
Company: Experian Information Solutions 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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with EXPERIAN, XXXX, AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX Balance : XXXX ; XXXX XXXX Balance : XXXX  ; XXXX XXXX XXXX Balance : XXXX XXXX XXXXXXXX XXXX XXXX Balance XXXX XXXX XXXX XXXXXXXX XXXX Balance : XXXX XXXX XXXX XXXXXXXX Balance XXXX XXXX ; XXXX XXXXXXXX Balance XXXX XXXX ; XXXX XXXXXXXX XXXX Balance 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
Consumer complaint received 2022-06-18
Company: WELLS FARGO & COMPANY
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX I contacted Wellsfargo card services in attempt to settle and resolve a previous closed account that had been charged off with a owed balance still remaining. On XX/XX/XXXX I spoke with someone and negotiated a settlement in the amount of {$370.00} and agreed to pay this amount in full on that same day. I used my bank debit card to pay the amount off IN FULL in the amount of {$370.00}. In return I asked they send me a receipt showing the balance had been paid and so they did also I was advised they would report to the credit bureau that the account had been settled and paid and it would be removed from my credit report. On XX/XX/XXXX I received a confirmation settlement letter from them stating the account had been paid off. I reached out that day and asked they again remove it from my credit report and I was advised it would be done. Fast forward to XX/XX/XXXX it is still on my credit as a negative impact and I again called and asked for them to remove it, I was assured it would be done. Its been over a month and my credit report is still showing a negative impact because of this credit card and its also not showing paid off when I have a receipt from Wellsfargo dated XX/XX/XXXX and also a settlement confirmation letter dated for XX/XX/XXXX saying its been settled and paid and I also have bank statements showing where I made the payment and it cleared my account. The confirmation number for the transaction is XXXX and the authorization # is XXXX. This is hindering me from purchasing my home even though I PAID THE DEBT OFF. This is unfair and not right. I need this removed off my credit asap. I have all the proper documentation from Wellsfargo sent to me showing its been settled and paid.

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