BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-10
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX XXXXXXXX has illegally sent me to Fair Collections & Outsourcing of New England, Inc XXXX to collect {$4800.00} for a debt that belongs to my ex-wife XXXX XXXX. XXXX moved there XXXX. I moved in with her XX/XX/XXXX and was added to the lease. We divorced XX/XX/XXXX where as I removed myself from the lease via email as well as by a XXXX  agreement in XX/XX/XXXX at the instruction of the Leasing Business Manager XXXX. I returned to XXXX California. XXXX actually remarried and moved out this XX/XX/XXXX and filed bankruptcy. XXXX XXXX XXXX XXXX XXXX can't collect from her due to the bankruptcy so they are trying to defraud me and illegally send me to collections for a debt that does not belong to me because I relinquished responsibility responsibility when I removed myself from her lease.

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 2022-07-06
Company: WAKEFIELD & ASSOCIATES, INC.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Wakefield and Associates is reporting a medical debt from XXXX for a person who is formerly my step-child. 

I was divorced on XX/XX/XXXX and I have no obligations for the debt of a step-child from a former marriage. 

I contacted Wakefield and they could not provide an estimate of how long it would take before they made a decision if this would be removed from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: CREDIT ACCEPTANCE CORPORATION
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
In XXXX I had got a loan from credit acceptance for a XXXX  XXXX XXXX  with XXXX miles. When i singed the contract and looked over it said it will XXXX. They never put the interest rate up there and how much it will really be. Then later on in the mail i got the real price which is XXXX. If i would of known it would be that much for a used vehicle I would of never got the loan.

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 2023-06-13
Company: EQUIFAX, INC.
State: SC
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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: WELLS FARGO & COMPANY
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
My name is XXXX XXXX formerly XXXX XXXX. I have not been able to access my statements or pay my bill online since XX/XX/2023. Wells Fargo officially took over the XXXX XXXX accounts on XX/XX/2023, but has been in transition since XX/XX/2023. Each month since XXXX, I have been denied access. I have to call and offer my bank account info to customer service. Each month I ask them to help me gain access. I have spoken with Tech support & customer service. I finally spoke with someone who could tell me it was due to my name changing in my divorce. I previously had an account but closed it so my ex couldn't access my funds. The account is still active to the point of recognizing me as a former customer. The Tech agent instructed me to go to the bank branch where I opened the account and show them my Driver 's License to resolve the issue. I went to the branch in XXXX and spoke with an account manager and explained my issue. She opened my account but would not make the adjustment stating that I must first show the document of my name change and my divorce decree. She printed the current statement for me. While there, I complained that I did not receive my statements and when I last called I was over my limit without being notified. She said I could change my preferences when I got online but she would not let that happen. So it seems that anyone can access my account but me. My address, phone number, email address, and, SS # have not changed. Only my last name. My credit card has my current name as does my license. I showed legal documents to get those changed. That should be sufficient. I have returned twice with the documents she requested but there was nobody there that could help me. I told them that my job responsibilities do not coincide with banking hours and they are making this much harder than it should be. They responded by saying they are like doctors and I would make allowances for my doctor so accommodating their hours is my responsibility. I offered to leave the documents they needed but they refused, stating that I had to be present. My license is a legal document that should be sufficient along with the CC, both in my correct name. This is nothing less than bullying.

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 2023-05-10
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX, # XXXX Account name : XXXX  XXXX # 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: PNC Bank N.A.
State: OK
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I got money stolen from me and seems like no one is helping on getting it back. I am also doing a police report. This happened back in XXXX and i am still fighting it. I got an email to transferred my 20 percent down to who i thought was the title company and it end up being a fraud and i lost all that money and seems no one is helping us. XXXX XXXX title was the title company and they didn't help me- even though the email was using their logo and things. I am afraid this is happening to other people and they are not helping. I tired getting the money stopped from my old bank, XXXX and they were no help. I canceled the bank... I am hoping the police can help but also wanted to try you guys. this was XXXX, XXXX Seems like the title company, bank and no one cares or what to help me get this money back. Its sad that people get away with that much money and no one is helping on getting it back. I almost lost a house and i have kids and just ddoesnt seem like no one wants to help/ thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09
Company: Experian Information Solutions Inc.
State: AR
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 decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of thing that I have never opened in my life. The thing listed on my applications are not mine please remove these unknown items from my 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 explanation
Consumer complaint received 2021-08-23
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:
I am a victim of Identity Theft. I've already contacted and sent letters to credit bureaus last XXXX it almost 30 days now but no response yet. I need help with this Issued. My credit score gets worse because of transactions without my permission.

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 2023-08-09
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
15 U.S. Code 1681 i ( A ) - Procedure in case of disputed accuracy which states that you have a job to investigate accurately, you didn't comply with FCRA which is the law, this is the last alternative to before I sue you in federal court. Also please be advised I gave enough time I will not wait 30 days and will pursue legal action if not taken care off with in 10 days Only people that can verify a debt is neighbors or family so please tell me how 15 u.s. 1681 section 602 a right to privacy I am demanding that you remove the fallowing information of my report immediately : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-31
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I got a Home Depot credit card last year. I saw some purchases I did not make. I contacted the Home Depot security office twice and they denied my claim. I faxed/ mailed them several times my ID and police report however they keep telling me that they have not received any documents. I have proof of the faxes and letters I send. They keep making excuses such as that I didnt include my account number or fraud claim number ( when I did ) or they keep giving me different fax numbers. I asked for an explanation and if the purchases were made in store or online. At first, Home Depot said the purchases were made in store then I asked for them to check the security cameras. Then they changed their story and told me that the purchases were made online. Its been several months and I hadnt had a fair resolution. They just call me day and night to remind me to pay the bill sometimes their associates are extremely rude. Even if I block the number they call me from different ones. When I try calling customer services they just transfer my call to different random people for two hours straight to finally hang up on me. This situation is been so stressful for me. Ive done everything they asked me for. However now my credit went down significantly and I was trying to built my credit to buy a house soon.

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 2023-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-31
Company: EQUIFAX, INC.
State: NJ
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 constantly check my credit report and noticed that the errors and false misleading information for individual accounts didn't quite meet the credit reporting standards of being 100 % correct. This has damaged me and held me back for some time. I'm demanding CFPB to enforce the correction and or deletion of these items failure to do so I will file litigation against your company for furnishing a false account on my report. This is exactly why these companies are being sued lack of protection to the consumer credit profile. 

XXXX XXXX XXXX XXXX XXXX  Showing XXXX Different Account numbers along with a lot of other reporting inconsistencies clearly violates Federal and state fair credit reporting statutes promote the accuracy and privacy of information kept and distributed by the nations consumer reporting companies by defining how information must be recorded, verified and XXXX15 U.S.C. 1681-1681x As well as 15 USC 1681 ( a ) Accuracy and fairness of credit reporting The XXXX makes the following findings : ( XXXX ) The XXXX XXXX XXXXs dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the XXXX XXXX and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the XXXX XXXX 

( XXXX ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 

( XXXX ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 

please see attached proof

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01
Company: Phoenix Financial Services LLC
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The company, Phoenix Financial Services LLC, sent me a letter regarding an account they were collecting from. They provided no evidence to substantiate the debt, and merely asked that I pay it. When I contacted them about it, the phone line led to an automated voice line asking me to pay. I dismissed them as a con artist, I did so because everything about them seems shady and overall below board. They called me repeatedly from spoofed numbers from then on out. Which I never answered because scam phone numbers are blocked my cell provider automatically. When I was called back regarding the debt one day when a call that wasn't blocked came through, I mentioned that the account may be fraudulent, the operator immediately hung up on me. Weeks later, after not validating the debt to me at all, the company opened up collections derogatory mark on all three of my credit reports. This is something they've been asked by courts to not do in the past by the way. When I contacted the company to cease and desist, they were very difficult to work with and kept asking me for PII, they were rude, once again provided no information to validate the debt, or any information about their business. When I asked them for the information regarding their registered legal agent, they simply declined to provide it. Overall, they have no basis to collect a debt from me and may have broken several laws in the process so far. I also think it's worth noting, they are especially difficult to work with when they are informed that they are being recorded via phone call.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I have tried to obtain my free annual credit report from the company. After completing all the steps that were required in order to obtain the report. it stated they were unable to provide me with one and that I would need to call each bureau. I have called each credit reporting bureau and requested the credit report. Each bureau stated they would be mailing out the credit report. After waiting over 30 days I have yet to receive the credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report.XXXX2. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 3. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 4. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 5. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 6. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 7. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 


By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-31
Company: BARCLAYS BANK DELAWARE
State: IL
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:
On XX/XX/2022 a Credit card was open without my consent through Barclays. I had one account already open with Barclays. The credit card was an airline credit card open through Frontier airline credit card. The Credit Card was open under my maiden name. The card credit limit was XXXX. I believe this was an unsolicited card open to improve there sales for opening new accounts. I spoke with someone and he think it was open automatically because I surfed the website. The credit card was never used. I asked to please provide me with the credit card application, asked for address where credit card was sent etc. They refused to give me any information after I properly identified myself. I believe they are doing the same thing XXXX XXXX was found guilty of opening fake accounts.

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 2020-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 FILE A FTC REPORT AND REQUESTED THAT THEY BLOCK THESE ITEM AND DELETE THEM THEY TOOK OVER 45 DAYS WHICH IT SHOULD BE 4 BUSSINESS DAY ONCE THEY RECIEVE THE ITEM AND THEN MAKE THERE DECISION I ALSO SENT LETTER TO THE CREDITORS AND THEY ALSO SENT ME NOTHING 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