BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-02
Company: Experian Information Solutions 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 went to get financing for a car loan. I was excited to go to the dealership until the car salesman came back into the room and informed me that he wasn't going to be able to get me financing for any vehicles. This caught me by surprise because I have always understood the importance of having and maintaining good credit history. So I always did my best to make sure I kept all of my affairs in order. So of course I was full of many different emotions when the salesman informed me that I wouldn't qualify for any financing. These negative items being reported on my credit report are not my accounts. I demand them be removed. This is defamation of character. This is also a FDCPA violation 15 USC 1692d. Reporting inaccurate items on someone credit report negatively affects a consumer 's reputation. FCRA 15 USC 1681 states that a consumers credit report is the consumer 's reputation. If these items are not removed immediately I will seek litigation. I also provided evidence to support that I was a victim of the XX/XX/XXXXdata breach. 
Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the XX/XX/XXXX data breach/ identity theft all is being investigated by the FTC according to the FCRA 605B this information must be blocked immediately until the investigation is over. 
Also my signature on the document is me giving authorization ; so please do not respond saying you need authorization.

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 2023-08-23
Company: Berlin-Wheeler, Inc. (Kansas)
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I am deeply frustrated with Berlin Wheeler, the collections agency, for their unwarranted actions. Despite my efforts to provide them with the bankruptcy case number that proves the debt from XXXX XXXX was discharged in 2020, they not only rudely rejected this evidence but also threatened to report the account to my credit report. This situation is both distressing and unjust, as their actions show a lack of respect for proper procedures and a disregard for accurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
Company: Arco Collection Services LLC
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Hello, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX ; XXXX, TN XXXX ; XXXX personal loan # XXXX has been placed in collections with malicious intent. The loan was reported to the credit bureau as 30 days late XXXX & XX/XX/2020. The loan was place into collections with Arco Collections ; XXXX XXXX XXXX, XXXX XXXX ; XXXX, TN XXXX ; XXXX after according to XXXX XXXX being late 30 days. 
The monthly payment on the loan was 280.00. The loan was being paid.

Company response to consumer: Untimely response
Consumer complaint received 2023-08-23
Company: Cleara, LLC
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
There is an illegal transaction and information reported on both my credit report and background report stating I owe the sum of {$2400.00} for a property I have never lived in. This is incorrect. This is being reported from a company named CLEARA INC..I need this removed from my background report IMMEDIATELY with confirmation of removal. Thanks in advance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: LEXISNEXIS
State: KS
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.

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 non-monetary relief
Consumer complaint received 2023-04-08
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:
equifax has been reporting my information incorrectly for over a year and they refuse to correct it. They report my social security number to be my business EIN ending in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: The Receivable Management Services LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2023, I sent a debt verification letter to Receivable Management Services LLC disputing a debt. I specifically asked for the company to validate the debt. However, the company has failed to respond for more than 60 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 2023-08-24
Company: ACIMA CREDIT, LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have no knowledge of this account or what it is for. I personally have never signed up with Acima to receive their services.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
A fraudulent credit card was opened in my name in XXXX. I had no knowledge of this account until I seen XXXX XXXX XXXX on my credit report. I called XXXX and sent them Identity theft reports about capital one credit card being fraudulent. Ive been fighting this fraud amongst other from being in the XXXX  XXXX XXXX in XXXX my life has been a ton of fraud accounts including this one. I have completed a Federal Trade Comission report as well! Ive resolved this with XXXX and they also sent XX/XX/XXXX to Capital One documentation of there findings of facts and this account being fraudulent! I have filed dispute after dispute with capital one and they keep telling me there is no fraud on the account! The account ending in XXXX is hindering my ability to get other accounts and I pay my bills on time and have good credit. Capital One keeps telling me this account is not fraudulent when all my documents and police reports saying it is identity theft! Please help me resolve this haunting account. The account is stuck to my social security number and I need it to please be deleted so Im not looked at negatively anymore with the company and other lenders.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
My husband and I have a mortgage through XXXX XXXX XXXX XXXX . In XXXX I called and tried to get help with out loan due to inflation costs we started to struggle with payment. After months of moving me from one plan to another they sent us a letter stating we were approved for the Covid-19 Recovery Standalone Partial Claim ( the " Plan '' ). 
In this letter one of the bullet points states, ' We will waive any late charges, fees, or penalties assessed to your on or after XX/XX/2020. 

I have called the numerous times and have filed disputes with Transunion, XXXX, and XXXX and resulting in them not taking off the payments. We have 5 late payments showing on our report and we are unable to get another loan to move to a different house with a smaller mortgage. I also expressed our home 's ac went out. We have been living in 90 degree temperatures because of our credit. They are continuing to refuse to remove the late payments. 
Thank you so much for your help on this matter. 


*They are also not explaining to consumers what types of things are covered for Covid-19 payment relief. Meaning I had to ask after months if inflation was part of this plan. I believe the company is doing this to many other people and are going to cause them to loose their homes.

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 2021-04-02
Company: Collection Resources, Inc.
State: NM
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
A collection account appeared on my credit report by " collection resources Inc '' and significantly impacted my credit score while in the process of obtaining a mortgage. I called the company and it became clear that they never had my full address or phone number and I never received a collection notice. I paid the account in full and would like this account to be removed from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09
Company: CORELOGIC INC
State: OH
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 been trying to start a new company for my LLC and I recently found several addresses on my file that do not belong to me! My name is XXXX XXXX my DOB is XX/XX/XXXX my Social Security is XXXX.My current and only address is XXXX XXXX XXXX XXXX OH XXXX. I have nothing to do with the addresses listed below please delete them asap they are fraudulent and inaccurate : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX OH, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH, OH XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX  , OH XXXX XXXX XXXX XXXX  XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX  , OH 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 2023-09-05
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This inquiry in not mine, I don't have any relation with these Creditors, and Please remove it from my credit report ASAP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 want to say i have live in the XXXX XXXX for over 12 years from government help to being upgraded to a market rate. They have had change in managers and director the last two years i was there due to money stealing and bad conduct. But on XX/XX/XXXX thou XX/XX/2019. i reach out to transunion/XXXX/XXXX plus XXXX XXXX. 2 creditor have removed and transuion is refusing. I spoke with Ms XXXX told her why i was disputing debt and sent my proof. I also went to XXXX XXXX spoke with agent who stated she was able to confirm debt due to nothing in system for damages and rent was owe from previous year for two months. I stated if i owe balance which is back rent and no pymt plan was set up and if so why would renew lease and i would be able to stay months after to a current year. I also seen reapir man that showed me apartment and nothing has changed or damaged and i sent thise pictuse to XXXX XXXXt ms . XXXX. Second my son was pick up on mistaken identity and lock up. Just finish school and worked at XXXX XXXX was gone for two weeks. They put camera to monitor area and would give police taoe to show my son just walking into complex at time of crime and nowhere by crime. Someone was XXXX  outside my door. also they gave letter stating how they was gone rebuild patking area and we would have to relocate.. So i moved my family. I have been gone over 2 years why wouldnt if owe i should have been notified sooner. But in order for me to move in home im in i had a walk through so they can see how you live. If that didnt pass and damage of property i would be in home im in 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 2023-09-05
Company: EQUIFAX, INC.
State: IL
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:
I am filing this complaint on my own behalf to address an issue concerning unauthorized inquiries on my credit record. This information does not belong to me. I need this fraudulent information removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: HW Holding, 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: Account information incorrect

Complaint:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mol 281 SW 715,719, I presun that no proof of the alleged debt, nor therefore any XXXX such debt, in fact therefore exists

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: Debt Recovery Solutions, LLC
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 received an alert that DRS ( Debt Recovery Solution ) had posted a derogatory mark on my credit for collections on a loan for {$3700.00}. I reviewed the account information and I have never heard of DRS or the initial company, XXXX XXXX XXXX The account is in my maiden name which changed in 2019 and my previous employer had a data breach that released my social security number and I believe this account was fraudulently opened in my name. I tried to dispute this report with XXXX and XXXX. XXXX approved the dispute but XXXX did not.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Hello. Before starting, I would like to thank you for helping me. I opened business account with Bank Of America. The name of the business is XXXX XXXX. However, after 3 days it was opened, the bank closed the account. They never answered me back so I could know why they closed it. However, the issue is that they required me to deposit XXXX $ when opening the card, and I did so. After they closed down the account, I called them several times to understand how could I get my money back from the account. Neither time they knew what was going to happen. Let me also mention that the company is based in WA but the mailing adress is in CA address. I even received my debit cards to my CA address, but I could not withdraw any money from it because the account was already closed when I received the card. Today I went to BOFA branch asking them to give my money back, however, they stated that I had to call BOFA for that and provided the number XXXX. I called them, spoke for 1 hour, asked them where is the money, they told me that they mailed it to WA address. I told them that they were not supposed to do so because my mailing address was in CA and I need that money ASAP. They told me that they can not do anything about it and that I have to wait 120 days for them to reissue the check. They told me they are not going to void it. It is only their fault. Why would they send my debit card to the correct address, but send the check to a different one? I begged them to reissue it as I need that money desperatelly, they said nothing could be done. I even made a complaint against them and the complaint # is 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 2023-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2023-06-13
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 disputed this XXXX XXXX and it has not been corrected. The account is still reporting wrong on my credit report but it is already closed. The account has been closed. However, the account payment status is 30 days late. The account payment status CAN NOT be 30 days late on an account that has been closed for 2020. The account status is wrong and should be closed. Now, I want you to correct this misinformation on my file XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02
Company: WELLS FARGO & COMPANY
State: TN
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 started a claim with my bank on the XXXX of XXXX about unauthorized transactions for the total amount of XXXX $ from XXXX XXXX. My bank informed me that it was indeed unauthorized and they would return the funds to me. Upon reading my claim I saw the bank had a charge on it that I told them to not include in my claim over the phone, some how it still made it to my claim. That was for my rent I paid to my landlord. So in order to stop my landlord from being back charged I again attempted to remove the XXXX $ transaction from the claim. I am aware it takes 48 hrs to update. I call every day and get lied to and told my claim is done and funds are on the way. But they never came. Call back in after 48hrs, talk to a rep who tells me due to a computer error all 30 unauthorized transactions would be closed instead of the single 1 I chose ... ..any way they say it's OK we will send the credit today and expedite it. Credit still has not hit my account and that was 3 days ago! Today is XXXX Please help me! I feel like My bank ( wells fargo ) is trying to get away with not giving me that XXXX $ back!

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 2019-06-19
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:
Equifax is reporting I owe {$450.00} to VA XXXX XXXX. ( Veteran Affairs ). I disputed this account as paid by me and closed in 2016. Equifax is still reporting I owe {$450.00} so they did not remove the collection account. I personally called VA XXXX XXXX and they concurred all accounts are paid in full and closed. So I disputed it again with a Equifax and again they determined I still owe VA XXXX  {$450.00}. This account is paid in full and the derogatory remark that it is an open collection account is severely impacting my credit rating, job status and loan applications.

Company response to consumer: Closed with explanation