BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-26
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have been writing letters and disputing an issue on my credit report since XX/XX/XXXX My student loan was being serviced by XXXX soon after moving to NYC I place the loan in forbearance. Within the forbearance time, I received an email encouraging me to lower my student loan payment by allowing this organization to take over the loan, which I did. A year or two after this time frame I notice a 60 day late on my XXXX  student loan this is around XX/XX/XXXX I made several calls explaining that not only had the loan been bought out but that it was in forbearance. My pleas were ignored and so I began to challenge it with all 3 of the credit bureau. About every 3-4 years I get a period where I have the time to once again attempt to fight this issue. I have used several credit repair companies with no results. When the issue is disputed XXXX moved the date of the claimed offense. I spoke with an attorney today from XXXX XXXX and found out XXXX has now moved the claimed offense to XX/XX/XXXX. I have not had an account with them since the transfer which was done in XX/XX/XXXX. I am also told by the lawyer that XXXX is not obligated to send me nor the credit repair agencies ANY documentation of proof, but rather just tell the credit bureau that they are right. I question not only the legality but the fairness. It appears that I have no defense in addressing this issue. PLEASE HELP ME XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 explanation
Consumer complaint received 2023-04-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
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:
XXXX XXXX XXXX HARD INQUIRY on my credit report for XXXX on XX/XX/2022. The inquiry was not made by me. I tried to call XXXX XXXX XXXX  several times to resolve the issue. XXXX asked me to get a letter from XXXX XXXX XXXX regarding the inquiry. Apparently, XXXX XXXX XXXX has resolved the problem at their end with no letter to me to present to XXXX. Called XXXX again and explained the whole situation and they tell me they can not delete as well until I report the issue with FTC. This inquiry is causing a decrease in my credit report which I did not make.

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 2023-06-25
Company: National Credit Adjusters, LLC
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:
In accordance with Fair Credit Reporting Act this company has violated my fedeally protected consumers right to privacy and confidentiality under 15 USC 1681. I have told XXXX, XXXX, and XXXX to reinvestigate this account. They have stated everything was complete and accurate. But how can this be posible if the open date and the date of lastactivity is incorrect and some other things as well are incorrect. According to 15 USC 1681i ( 5 ) these accounts are supposed to be modified if they are being reported incorrectly.

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 : States a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C. 1681 section s-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. 

This company has violated my right according to consumers laws that i have stated the original creditor or lending company has closed this account, so now this new company National Credit Adju has added a new inaccurate debt to my credit report. This account is showing two times on my report. 
Please investigate this error. This is causing me to have issues getting employment. 

This company is also not in compliance with XXXX XXXX credit reporting. I have evidence to prove my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: EQUIFAX, INC.
State: LA
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:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. I found that under section 605b ( a ) XXXX, XXXX, and TransUnion 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 and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX Date Opened : XX/XX/2015 Balance : {$20000.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.

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 2023-04-08
Company: Bread Financial Holdings, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I paid off the collection because I did not know I could dispute it. They stated That if I paid in full, they would ask credit bureaus to remove the debt from my credit report within 30 days. I paid in full in XX/XX/2021. However, it has been over a year, and nothing has changed on my report. While I understand that they are required to ask for removal after 7 years, there is nothing special about this timeline. That is the amount of time it takes to naturally fall off of a credit report. I only paid in full to prevent the statue of limitations timeframe from restarting and to have the debt associated with me removed from my credit report despite one of the accounts being XXXX XXXX XXXX. I asked them to provide me a copy of the report they sent to the credit bureaus but they stated that they were unable to speak to that or provide me with a date in which the letter was sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: JPMORGAN CHASE & CO.
State: MS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I traded in some points to receive 2 XXXX gift cards on XX/XX/XXXX. These gift cards were to be sent via email. My confirmation number from Chase was XXXX. It said that a confirmation email would be sent and the cards could take 48 hours or longer to receive. I never received either. I did check my junk folder and there was nothing in it either from Chase. 

I called to inquire and was told that they would put in a case to research and I would hear back from them. I have not heard a word from Chase. All I want is my XXXX XXXX gift cards. Their customer service representative was not very understanding at all. She said she could not tell me when the research would be completed and to go check my junk/spam mail folder again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
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:
On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XX/XX/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 2023-09-03
Company: Atlanticus Services Corporation
State: NC
Product: Credit card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
I created a payment plan with XXXX for an online purchase ( a XXXX retail credit card through Fortiva was opened ) Id elected to have text notifications about my bill/account status and for the entire year of payment communicated with fortiva via text. 

I was notified by my credit monitoring application, soon after paying the final requested payment to fortiva, that a new account had opened. 

I contacted the company and spoke with management who stated that because I was eligible a separate account was opened for {$1000.00} with fortiva directly. They did NOT contact me via text/phone and I did NOT consent to them using my ssn to open ANYTHING!! I have given the company multiple days to correct this until today I asked via chat to have the account closed!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06
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: Their investigation did not fix an error on your report

Complaint:
I have sent multiple letters to Transunion asking them how they verify an alleged bankruptcy case thats showing on my credit report. They always respond with they verified through courthouse which I called them and wrote to courthouse they said they never report to a any bankruptcy courthouse. So Transunion is lying and stating incorrect information on 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 2018-05-08
Company: WELLS FARGO & COMPANY
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Dear Friends, I sold a home in XXXX, PA on XX/XX/2012. The property address was XXXX XXXX XXXX XXXX. My mortgage was through Wells Fargo and the Realty Company in XXXX was XXXX XXXX XXXX. My agent was XXXX XXXX. I sold the house for {$270000.00}. When we closed on the property on XX/XX/XXXX, Wells Fargo charged me the entire month of XXXX for insurance. When I raised XXXX about it, they said that the policy was to close at the end of the previous month ( that would have been XXXX ) to avoid that fee.We were not apprised of that and my agent knew nothing about it.I told them, had I known, I would have closed sooner. I then had my attorney XXXX XXXX XXXX contact them and we got no response to that inquiry. 
Wells Fargo is a corrupt company as evidenced by all the complaints and fines they have been required to pay in the last several years. I lost close to {$1000.00} on that property closing which I could have used for my expenses.. I was XXXX years old at the time, single and dependent on myself and working only part time. 
Please help me regain my lost money because it's only fair that Wells Fargo reimburse me at least the cost of insurance if not more for attorney fees. 
Thanks you very nuch and I wait with anticipation for good news!! 
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 2022-12-14
Company: Quality Recovery Services, 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 reached out to the XXXX by mailing a letter XXXX  XX/XX/XXXX asking them for verification on Account XXXX I requested them to please investigate and delete from my credit report because I knew it wasn't accurate. It lacked any information about who was the debt collector reporting this inaccurate information that also violated my rights. They responded that they " verified the information ''. After they sent this I asked them to send me a breakdown of what they are alleging that I owe, the breakdown of fees, or bills and who the information came from. They DIDN'T RESPOND. I waited until to this matter was followed up with another letter from me on until XX/XX/XXXX to send a reminder letter and said they needed me to verify my identity. Which I did. On XX/XX/XXXX XXXX finally responded with who was reporting this inaccurate information and they told me Quality Recovery Systems. Being that XXXX  received my dispute back in XXXX via XXXX they were well aware of my dispute and decided to disregard my dispute AND ignore all my request for validation. They are claiming that this is a medical bill. I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of XXXX  ) to protect my privacy and medical records from third parties. I do not recall giving permission to ANYONE, for them to release my medical information to a third party. I understand that the HIPAA does allow for limited information about me but any details may only be revealed with the patients authorization, therefore my request is twofold and as follows : Validation of Debt and HIPAA authorization - Please provide a breakdown of fees including any and all collection costs and medical charges- Please provide a copy of my signature with the provider of service to release my medical information to you Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant will be a violation of the FDCPA because you will be deceiving me after my written request. I am requesting full documentation of what you received from the provider of service in connection with this alleged debt. IT HAS NOW BEEN OVER 90 DAYS SINCE THEY HAVE RECEIVED MY ORIGINAL LETTER. Being that they haven't responded means that they couldn't verify the information and therefore not only violated FDCPA but also HIPAA. This account, account numbeXXXX XXXX XXXXneeds to be removed from my credit report immediately being that it is inaccurate and violates the regulations of the FDCPA and HIPAA.

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 monetary relief
Consumer complaint received 2022-12-14
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:
I was a victim of identity theft and I request again to block or remove the information in my credit file resulted from an alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any account. Also, the information you provided on some items is UNKNOWN to me a and REMOVED from other bureaus and I have doubts in their accuracy. Here are the list of fraudulent account : XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX : {$0.00}.

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 2021-12-28
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
First, Received calls from debt collector for the amount of : {$2000.00} from a XXXX  account in my name. So, I know I have not used XXXX in like many years and then I was under the name XXXX XXXX. So my Credit report shows on XX/XX/2020 a transaction with XXXX XXXX XXXX On the other part report date XX/XX/2020 an address associated my current name XXXX XXXX as : XXXX XXXX XXXX XXXX, XXXX, GA. I have never been to Georgia let alone live there let alone during the hight of the pandemic! I was home here in XXXX XXXX PA. I tried to get the address off of my credit report. I tried calling XXXX to figure out how to get into my old account and they said I have no account? Even in that old account I would have been XXXX XXXX with a very old Credit card I no longer have. I am debt free. My credit report is very clean and I have a very high credit score. Please help me get rid of these people. How in the world did they associate a XXXX XXXX from XXXX, Ga with me here in PA. I only ever lived here and even ran a business etc. Thank you for your help!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-14
Company: HYUNDAI CAPITAL AMERICA
State: AE
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
Wife and I are XXXX XXXX military and both received orders from Texas to XXXX. We have two vehicles financed through Kia Financed. We requested permission to ship vehicles to XXXX XXXX XXXX for the duration of our assignment  ( 3 years ).  Immediately we ran into issues with customer service giving us bad information. We were told to send approximetly 10 documents to include their Vehicle Transport Checklist with our miltiary orders, insurance, etc ... However, they lost the documents on three occassions, and gave us incorrect fax numbers for submission of three occassions. We were able to get one vehicle shipped through pure luck. However, the other vehicle is in XXXX at a storage facility as we can't legally ship untily they give the approval. I called them again a few days ago and the customer services rep was unable to give me any information on the where the approval letter is or what we need to do for approval. At the end of the day we have one vehicle sitting in XXXX, and we're renting a vehicle in XXXX to get to and from work while serving an assignment in XXXX. Kia is horrible at getting us answers. The office responisble in processing the application has no ability to receive calls form the customer, and more concerning, is the customer service rep we do call at KIA, is unable to cal them or message them as well.

Company response to consumer: Closed with explanation