BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-18
Company: WELLS FARGO & COMPANY
State: CA
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:
XX/XX/XXXX I was looking for a new apartment to rent but when the property management run my credit report, they saw a lot of negative accounts with charged off debts under my name. I was shocked and horrified when I heard about it because since I came here in the US I never had or opened a credit card. So I asked for a copy of my credit report and they got it from XXXX. Then there I learned that I was a victim of identity theft. So I reported it immediately to XXXX and place a freeze or fraud alert in my credit report. I also did file a police report, file an affidavit to FTC, and called all the banks/creditors in my credit report to dispute all those fraud accounts. There was 10 fraud accounts on it, thankfully, 7 were already disputed and removed in my credit report but unfortunately, 3 were still there ( 1 account from Wells Fargo amounting to {$14000.00} opened on XX/XX/XXXX and 2 accounts from XXXX amounting to {$8.00} and {$15.00} opened on XX/XX/XXXX ). I reached out to Wells Fargo several times since last year, and even if I already submitted all my supporting documents and told them that I am a victim of identity theft, they keep on denying my claim. They keep on sending me letters stating that my claim was denied because the account was accurate and so I am responsible for that but they did not even send me any proof or ask for supporting documents. That is why I am filing this complaint for Wells Fargo and XXXX because I dont think they are really investigating my case thoroughly and they dont even care for a victim of fraud and theft like me. As a result, I am having a hard time now to get an apartment for myself because of the bad credit that I have and its even harder for me to start on building my credit because of this horrible situation that I experienced.

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 2023-05-23
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and 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 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 2021-02-24
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
The loan has been in forebearance for a year and with the presidents order of extending the 12 months and he extended it for another three months., I applied for this and Bayview/Community Loan servicing is refusing to process the request. THey told me that the presidents order means nothing to them. I applied for the extra three months making it 15 months in the middle of XXXX and they have done nothing. I do not want to lose the extra three months please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: AFNI INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I INCLUDED MY PERSONAL IDENTIFICATION WHICH IS MY LICENSE AND MY SOCIAL SECURITY CARD TO THIS COMPLAINT. 
THE FOLLOWING ACCOUNTS ARE FRAUDULENT XXXX ACCT # XXXX XXXX XXXX ACCT # XXXX XXXX XXXX ACCT XXXX XXXX XXXXXXXX XXXX ACCT # XXXX PLEASE SEE ATTACH ALL NECESSARY DOCUMENTATIONS.

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 2021-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I became a victim of identity theft XXXX of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.

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 2023-06-26
Company: Stellantis Financial Services US Corp.
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 is missing that should be on the report

Complaint:
The auto loan was opened on XX/XX/, but the payment history for XXXX, XXXX, XXXX, and XXXX of XXXX is missing from my credit reports, which yields an incomplete description of the payment history. Please update the payment history for this account or remove the account from my credit report for being incomplete.

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 2023-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT Below are the names of people and/or organizations who have obtained a copy of your Credit Report. Inquiries such as these can remain on your credit file for up to two years. 
Creditor Name Type of Business Date of inquiry Credit Bureau 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 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

PS!

THIS FRAUD ACCOUNT BEING ON MY CONSUMERS REPORT IS HOLDING ME BACK FROM EVOLVING AS A CITIZEN IAM NOT ABLE TO OBTAIN A HOME OR APARTMENT A GOOD PAYING JOB OR EVEN A LOAN OR CREDIT CARD! I DEMAND AS A FEDERALLY PROTECTED CONSUMER THAT THE CREDIT BUREAUS AND ALL COMPANIES INVOLVED REMOVE FRAUDULENT ACCOUNT OFF MY CREDIT REPORT AND CONSUMERS REPORT NOW PERMANENTLY!

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 2023-06-26
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I had someone open an apartment under my identity in another state that I do reside, now they want XXXX XXXX from what I was told seemed like no one even moved into the unit. XX/XX/22

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I asked the credit bureaus to do verification in everything in my credit report and they did, stating that everything was accurate. 

I did a research myself and found improper inaccuracies on my credit report even after they did a careful research.

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 2021-12-29
Company: OneMain Finance Corporation
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have recorded calls with this company promising to remove the inquiry. One Main Financial is brandishing a fraudulent inquiry on my credit report. I have tried contacting them before about this issue to no avail. Since recognizing the inquiry I have place a freeze/fraud alert on my consumer credit reports. But the company One Main Financial still hasn't rectify the issue. If issue isn't rectified, I will be proceeding with legal actions. Because I didn't authorize that inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
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:
XXXX XXXX XXXX XX/XX/2019 add a hard inquiry on my credit reports. 

But company did not provide the following proof : Permissible Purpose My written authorization XXXX that I personally initiated these inquiry. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section XXXX ( c ) : Transactions Not Initiated by Consumer.

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 2023-09-28
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting 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 am writing to dispute the accuracy of certain accounts listed in my consumer report, which I obtained from your agency. These accounts should not be furnished on my consumer report as they are in violation under 15 U.S.C. 1681b - Permissible Purpose of Consumer Reports.

I would like to draw your attention to 15 U.S.C. 1681b ( a ), which states that " any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) in accordance with the written instruction of the consumer to whom it relates. '' To the best of my knowledge, I have not provided any written consent or authorization for these accounts to be reported in my consumer report. This violates my rights as a consumer, as I have not granted permission for the inclusion of this information. 
I strongly assert that no consent implies identity theft or fraudulent activity. As a consumer, I am demanding the immediate deletion of the following accounts from my consumer report : Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX, XXXX Account Number : XXXX ( Unauthorized Inquires ) XXXX  XXXX XXXX  open date XX/XX/XXXX XXXX open date XX/XX/XXXX XXXX  XXXX open date XX/XX/XXXX XXXX XXXX open date XX/XX/XXXX I would like to remind you of my rights under 15 U.S.C. 1681c-2, which states that " a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. '' I have taken immediate action to address this issue by filing a report with the Federal Trade Commission ( FTC ) and have been assigned a reference number for the case. 
My FTC reference number 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 2021-12-29
Company: ProCollect, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I rented a room in the XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX, OH XXXX ) from XX/XX/XXXX - XX/XX/XXXX. I was a XXXX XXXX at XXXX XXXX XXXX University at the time and graduated in XX/XX/XXXX. I paid roughly $ XXXXmonth in rent until the end of my lease which expired in XX/XX/XXXX. I received my security deposit back in full ( one month 's rent - US {$800.00} ) upon my move-out in XX/XX/XXXX. I completed the move-out process organized by XXXXXXXX XXXX  which included signatures on a " move-out '' sheet that was submitted prior to me receiving my security deposit back in XX/XX/XXXX. 

Several months after completing the move-out process, vacating the unit and receiving my security deposit back, I received an email from XXXX XXXX XXXX stating that I owed an additional charge ( {$520.00} ) for cleaning services. I was shocked to see this as I had already completed the move-out process which involved calculating any additional charges ( which would have been taken out of my security deposit ). I still believe I am not under any obligation to pay this charge. XXXX XXXX XXXX sent this additional charge to a collection agency in XX/XX/XXXX. 

I now have a collection account on my credit report for this additional charge I have no obligation to pay. I have been in contact with both the collection agency ( XXXX ), XXXX XXXX and a credit reporting agency countless times over the past several months to try to find a resolution to the issue. XXXX XXXX communicated that the charge was sent to XXXX by the previous property manager who is now not employed by the company and that it should not have been sent. Though, when I have asked ( numerous times ) for them to provide the documentation of the signed move-out sheet and the account history of which would clearly show the returned security deposit, they have not responded or stated " they will get back to me ''. 

My payment history should be documented in my online resident portal, which only XXXX XXXX has access to, as I am no longer an active resident at their property. I am still attempting to obtain this proof so that my dispute can be properly processed by both the credit agency and 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 2021-12-07
Company: EQUIFAX, INC.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2022-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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: Problem with personal statement of dispute

Complaint:
I consumer XXXX XXXX, have been discriminated against pursuant to the Equal Credit Opportunity Act which is Regulation B by XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX have communicated with TRANSUNION my personal nonpublic information without my consent. XXXX XXXX XXXX XXXX has denied myself the applicant an extension of credit that I applied for claiming that I had a low credit score and delinquencies that caused my denial of my credit. There is no law that requires a score or that any score exist in reference to denying me credit. This have caused the applicant grave discouragement applying for credit in believing that I need a high score to receive my credit. This is a violation of Regulation B. XXXX XXXX XXXX XXXX also has not given the initial terms of the application to the applicant in order for the applicant to send a counter off. XXXX XXXX XXXX XXXX must let me review my private information before they commit adverse action against the applicant to make sure all my information being used is fair and accurate. This is a violation of the Fair Credit Reporting Act as well. My information must not be communicated unless given consent by the consumer before reporting such information. I have been injured by 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 2023-01-06
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:
The credit bureau stated that my accounts were investigated properly but how is that true but how is that correct when the open date is inaccurate, the date last active is inaccurate and the date last reported is inaccurate. I also am not liable for any debt and do not have contracts with collection agencies that are included in my accounts. Accounts include : XXXX XXXX Secured loan with account # XXXX XXXX Lease with account # XXXXXXXX XXXXXXXX XXXX loan with account # XXXX XXXX XXXX XXXX with account # XXXX XXXX XXXX  with account # XXXX XXXX XXXX  with account # XXXX XXXX, XXXX with account # XXXX XXXX XXXXXXXX with account # XXXXXXXX XXXX XXXX XXXX with account # XXXX XXXX XXXX XXXX XXXX  with account # XXXX The grounds for removal from my credit report involves the following rights that were violated : 15 U.S.C 1681 section 602 A. States that I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : Of which it states that a person shall not furnish information relating to a consumer to any consumer reporting agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: SLM CORPORATION
State: DE
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have a loan with Sallie Mae. Ive made my payments through my bill pay in my bank account. My first payment I made on the first. By thr XXXX I was getting all kinds of emails, calls, etc about it being late. By the XXXX, I figured the check was lost, so I had my bank reissue another one. It didnt get cashed until the XXXX. They also found the first check. The next month, I paid it on the XXXX. I figured it gave plenty of time for the payment to get there by the first. By the XXXX they still didnt log it as received. I called to see what was going on and to say that my payments arent late. They said I need to mail them earlier and that its my responsibility. Theres no way that those payments arent getting there in XXXX let alone the XXXX days it took them to get around to cashing it. They are mishandling them and then charging me late fees. This isnt right. Something needs to be done. They were awful to me on the phone. Basically said that I cant do anything about it. I mean am I really expected to make a payment for the XXXX of XXXX by the XXXX of XXXX to ensure it gets there? For real?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation