BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-08
Company: Mercedes Benz Financial Services
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:
To : Whom It May Concern : This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. 
By obtaining my consumer report on ( XXXX ) and also XXXX knowingly without any permissible purpose you are in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( S.D. XXXX. 2003 ) I have not initiated any transaction with { Insert COMPANY NAME }. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for review or collection Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 
Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX XXXX Inquired onXX/XX/2022 2022

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: Reel Time Capital LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
A person going by the name of XXXX XXXX called repeatedly on Friday XX/XX/23. She also called relatives of mine and left voice mails. The voice mails indicated she worked for a process services company and was trying to locate me by name. A claim number and phone number were left. After being contacted by one of my relatives concerning the call. I contacted the number left in voice mail, XXXX. Not sure who I spoke with, it was a women. She was claiming to be with XXXX XXXX XXXX and worked for the county. She stated they were trying to locate me to provide paper work and could not locate me. I provided the claim number and she informed it was for a debt owed to XXXX XXXX, a online payday loan company. I could not find any evidence of XXXX XXXX XXXX existing. My county uses XXXX XXXX XXXX to deliver lawsuits. This person I spoke with was using legal language that made it seem I had committed a crime of fraud and wanted details on why could not pay the debt. She insisted she did not represent the debt owner and was only trying to locate me for process services. I looked my XXXX XXXX account and found they had sold my debt to a XXXX XXXX XXXX. I was able to find a website for them. There are numerous complaints against them for using dirty illegal collection tactics. I sent a cease and desist letter via their online email address and will follow up with mailing a copy as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: EQUIFAX, INC.
State: OK
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:
XXXX XXXX and credit agencies unknowingly and were not authorized to trade my information to make a misrepresentation of me and hinder my credit report. 

A charge off is considered a certificate of indebtedness and can NOT be reported as income.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: Credit Karma, LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
Credit karma said i was approved for a credit card and when I applied i got denied and i seeing that there is a law suit for that reason for credit karma

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
When I reviewed my credit report, I discovered the erroneous items. The XXXX credit bureaus must verify these items in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( 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 updated from erroneous reporting in my file. 

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 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 2020-03-12
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 just recently looked over my credit report and I detected some accounts that do not belong to me but are being reported on my credit file. I have no knowledge of any of these derogatory accounts. I also have no understanding of how someone or who would have access to my credit. Now because of this, there is no possibility of me obtaining any new credit. Please perform a re-investigation into this problem and have those derogatory accounts deleted from my credit file.

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 2023-01-19
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
My credit score is wrong I should scores already because I don't see nothing on my reports.

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 2022-02-13
Company: EQUIFAX, 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:
EQUIFAX has not properly investigated my consumer reports. pursuit 15 USC 1681 ( e ) investigative consumer report. They have caused me great harm as they have infringed upon my consumers right to Privacy. pursuit 15 U.S. Code 1681 ( a ) ( 4 )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: Experian Information Solutions Inc.
State: AR
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:
I am writing to express my deep frustration and dissatisfaction with the ongoing difficulties I have experienced while attempting to remove fraudulent items from my credit report. Despite multiple attempts to address this issue, I have not been able to successfully rectify the situation, and it is having a significant impact on my financial well-being and personal security. 

Here is a summary of my unsuccessful attempts and the fraudulent items in question : I became aware of unauthorized and fraudulent entries on my credit report, which includes inaccurate account information, and charge off accounts. 
Upon discovering these fraudulent items, I promptly initiated a dispute with your organization by following the dispute resolution process provided on your website. I submitted all the required documentation to support my claims and requested the removal of these items from my credit report. 

To my dismay, my initial dispute was not resolved in my favor, and the fraudulent items remain on my credit report. I have since made several follow-up attempts to dispute and rectify this situation by providing additional evidence, contacting your customer support, and seeking assistance from the relevant authorities. 

Regrettably, I have not received any meaningful resolution or assistance from your organization, despite my continuous efforts to correct this situation. This prolonged inaction is causing me significant financial and emotional distress. 

The presence of these fraudulent items on my credit report is damaging my financial reputation and hindering my ability to secure loans, credit, and housing. I have taken all necessary steps to report the fraudulent activities and provide evidence, yet these items persist in my credit file. 

I demand that you take immediate action to remove these fraudulent items from my credit report, conduct a thorough investigation into their origin, and update my credit history accordingly. I also request that you provide written confirmation once the fraudulent items have been successfully removed from my file. 

Failure to address this matter promptly not only jeopardizes my financial stability but also undermines the trust I have in your organization 's ability to manage and protect my sensitive financial information. I am asking for your immediate assistance to remove the fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX  XXXX XXXX Balance Owed : XXXX ; XXXX  XXXX XXXX Balance Owed : {$4400.00}.

Company response to consumer: In progress
Consumer complaint received 2023-01-19
Company: Debt Co LLC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was never notified of my balance owed to the apartment complex ( XXXX XXXX XXXX Apartments ) I moved away from. In the statement they provided the debt collector, false information was included. 
XXXX alleged that I did not provide proper notice nor a forwarding address, which is false. Pictures attached of my conversation with the XXXX at XXXX providing notice of my move in XXXX, 2022 as well as my forwarding address are attached. 

At no time did XXXX send me a statement showing I owed them a debt. My account was sent to collections without even knowing I owed a debt to begin with. 

Additionally, the holdover fee mentioned in the paperwork was unable to be paid as the XXXX XXXX did not update XXXX to reflect this amount was due. I attempted to pay this, the system would not let me as it was more than the amount I owed in the system. I asked for help on how to pay and never received a response. Those pictures are attached. 

I disputed the debt with the debt collector ; however, they did not followed up with the status in a timely manner and it has negatively impacted my credit report. I should not even owe this debt to begin with, given I never received a statement that I owed anything prior to being sent to collections and XXXX had my address.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: EQUIFAX, 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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: Credit Bureau Services Inc.
State: WY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The debt was sent to collections in XXXX of 2018. I never was notified by any financial institution or medical office or anybody of them sending that debt to collections. I was then harassed by CBS Debt of XXXX Ne repeatedly. I have multiple times now disputed this debt with no avail. I have requested documentation that proves the debt is mine but neither XXXX or CBS Debt has furnished any proof. I have researched the collection company and it seems that them collecting false debts is a regular thing. I attempted to contact them thru their website but I cant even access their site as it is flagged for being unsafe and filled with phishing malware. I have also researched the original account thats listed as XXXX XXXX XXXX and I can not find any information on them either. The only things that come up are in Tennessee and Texas and I havent ever lived in either of those states.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: CITIZENS FINANCIAL GROUP, INC.
State: IL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My wife and I have 2 savings accounts that were with XXXX. XXXX transferred our accounts over to Citizens Bank. 

We recently tried transferring {$25000.00} out of our savings account at Citizens Bank to our checking account at XXXX Bank and we were informed by Citizens Bank that we couldn't withdraw funds even though we had a nearly {$60000.00} balance. All of the funds are seasoned... They are payroll deposits that have built up over time- so there were no recent large deposits with holds, etc. 

When we tried transferring the funds using their online banking feature, we were informed that the cap was {$10000.00} per month. When we called in ( after being transferred over and over again and waiting over a half hour on hold ) we were told that the maximum we could transfer was {$15000.00}. I asked for a supervisor and they told me it would be another 20 minutes on hold. 

I then asked them to close my accounts and they told me that I needed to have a {$0.00} balance in order to close our accounts. I can't have a {$0.00} balance if I can't withdraw or transfer my funds. 

All my wife and I want is our money out of this horrible Bank ( that we didn't even choose to do business with in the first place ) and to close our accounts there.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: Great American Finance Co
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 11th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any items in my credit record that came about due to an alleged fraud or extortion. XXXXXXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-08
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 fraud alerts or security freezes

Complaint:
I hired a company to work on my credit in XX/XX/XXXX. I initially put a fraud alert on my profile because I did not want anyone to continue to use my personal information like before. ( My wifes purse was stolen and it had my personal information in it. ) I recently ordered my credit report and noticed that once again someone is applying for things using my information. How is this possible when I have a fraud alert and it specifically says to call my number in order to have my consent before running my information? I feel like this is a violation and the credit bureaus arent doing anything to protect my information. What is the purpose of a fraud alert if my information can still be used 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 explanation
Consumer complaint received 2023-09-08
Company: Capio Partners, LLC
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I keep getting phone calls from this company. Firstly I thought it was strange as they had called me from 4 different phone numbers all starting with the area code 925 which is a XXXX XXXX Ca area code. I have a 925 phone number as that is where I lived almost 16 years ago but never changed it as my kids know that number. I finally called back one of the numbers and asked who they were. The lady just kept repeating they were an LLC company. I asked her why there were calling and she said in order to speak to you, I need to confirm your date of birth and proceeded to name off my date of birth. I asked her to confirm for me if they were actually in XXXX XXXX, CA, or if they were somewhere else. She said no we are in TX. I said I am pretty sure spoofing a phone number to another state to match someone's listed area code to try to trick them into answering a call is against the FTC rules. You have to call from your company 's phone number that lists who you are. I am not going to give you any personal info until you tell me who you are and why you are calling and can explain why you are spoofing phone numbers in other states. She said. " Well, then I am going to have to end the call '' and hung up on me. I did a search of them on XXXX and there are dozens of people all saying the same thing. This company has called them from their home state while they are in TX. They have put fraudulent dings on people 's credit reports for medical bills they don't owe, in the wrong amounts, the wrong names, etc. I believe this is a company that is preying on people is deceitful in its practices and is breaking the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-19
Company: Experian Information Solutions Inc.
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:
I had names that were not mine, addresses that are not deliverable to me by XXXX Mail and phone numbers listed on my credit report that I previously disputed. XX/XX/2022 I also noticed a new inquiry on my XXXX, XXXX, Experian credit report for a RV company XXXX XXXX. I have no place, no need or room for a RV!!!! I tried to call the number listed and it does not work. Hoping they had cameras. I recently purchased XXXX lock feature to ensure this stops. I have fraud alerts and locked all my credit reports to prevent whomever from doing this again.

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