BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-30
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I called to settle a debit with Chevron credit card co and a man answered wanting all my personal information upfront before he could assist me. After I gave him my social security number he then told me he was a different credit card company however, needed my address as well. I recited the phone number listed to call XXXX he acted confused about my call, but continued to press for more information about me knowing he was not a representative for the company. When he asked for me to repeat my full social security number again l hung up the phone.

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 2021-09-30
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Recently I replied for a auto loan and I was denied. This made me take a look at my credit report and I must say after reviewing it I am disgusted! I work my butt off every day I have always been good with my money and never have I ever opened any accounts and not paid them off on time. The items that I highlighted in these letters are not my accounts and I demand that you remove these items immediately or I will seek litigation ASAP Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax data breach/ identity theft all is being investigated by the FTC according to the FCRA 605B this information must be blocked immediately until the investigation is over. 

Also Attached is a copy of FCRA and FDCPA book full of violations that are highlighted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
Since XX/XX/2022 I have sent multiple letters to Credit Reporting Agency regarding : XXXX ( XXXX ) ACCT # XXXX their negligent handling of my credit information. Despite numerous attempts to rectify inaccuracies on my credit report, the Credit Reporting Agency has failed to address the issues promptly and efficiently.

The Credit Reporting Agency has incorrectly listed several delinquent accounts on my credit report that do not belong to me, tarnishing my creditworthiness and hindering my financial opportunities. Despite providing ample evidence proving the errors, the credit reporting agency has not taken appropriate action to correct these inaccuracies within the mandated time frame.

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 2021-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Recently I replied for a auto loan and I was denied. This made me take a look at my credit report and I must say after reviewing it I am disgusted! I work my butt off every day I have always been good with my money and never have I ever opened any accounts and not paid them off on time. The items that I highlighted in these letters are not my accounts and I demand that you remove these items immediately or I will seek litigation ASAP Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX data breach/ identity theft all is being investigated by the FTC according to the FCRA 605B this information must be blocked immediately until the investigation is over. 

Also Attached is a copy of FCRA and FDCPA book full of violations that are highlighted.

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 2021-05-04
Company: LoanCare, LLC
State: LA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Our home was destroyed by not one but two hurricanes in XXXX of 2020. We have provided all information loancare has asked for from us and our insurance company. We have done all inspections and they do not agree with our inspector and refuse to serve us remaining funds. We have had an open request for 67 days now and still no answer from them.

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 2020-12-14
Company: FIRST HERITAGE CREDIT LLC
State: LA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I have a personal loan with First Heritage and I am behind on payments because of financial problems. I have spoken with the company that I will make a payment on XX/XX/XXXX-20. THE PROBLEM IS I TOLD THE COMPANY I CAN NOT RECEIVE CALLS AT MY JOB BECAUSE MY JOB DO NOT ALLOW PERSONAL CALLS AND THEY ARE STILL CALLING ME AT MY JOB AFTER I HAVE REQUESTED 4 TIMES FOR THEM NOT TO. WILL YOU PLEASE CONTACT THEM AT XXXX AT TELL THEM IT IS THE LAW THEY CAN NOT CONTINUE TO CALL ME AT MY JOB IF I TOLD THEM NOT TO OVER AND OVER AGAIN. THE ADDRESS IS FIRST HERITAGE XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, LA XXXX. THANKS, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-30
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus on XX/XX/XXXX, to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/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 2021-09-30
Company: EQUIFAX, 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 was checking my credit report and I saw that my credit score is very low. I have no idea about these accounts I believe someone used my personal information. Im shocked because you put this negative information on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
Company: CAINE & WEINER COMPANY, INC.
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The collection office in their reply admitted they do NOT own the debt they are attempting to collect and therefore are continuing to illegally report information on a consumer credit reporting agency. The company also admitted they did not properly send a debt verification letter prior to reporting the account to the consumer reporting agency. The company also claims that the " client '' they are attempting to collect a past due balance for was for a time period that insurance was provided by a company other than their " client ''. This issue has remained unresolved and as a result, a copy of this complaint and all documentation supporting the facts will be forwarded to the State Attorney General 's Office, the debt collectors " client '' and the Federal Trade Commission. A copy of the USPS Informed Delivery Emails that correspond with the time period indicated by the debt collection company 's prior email will also be provided showing the Debt Collection Company willfully failed to notify me to allow a validation of debt as required by law and therefore violated the FCRA in the process.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: TRUIST FINANCIAL CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
On XX/XX/27 Regional Acceptance used my social security number for an extension of credit, because my social security number was used I received no benefit this is proof of fraudulent activity. Fraudulent activity is unauthorized use of a credit card on behalf of Regional Acceptance I the consumer and natural person, was denied credit by Regional Acceptance. 
Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k. XXXX XXXX XXXXXXXX XXXX XXXX are subject to criminally liability for violating 15 U.S.C 1691 as I have proof what I was discriminated against by XXXX XXXX  XXXX XXXX XXXX due to the response I received. XXXX XXXX XXXXXXXX XXXX XXXX is in violation of 15 U.S. Code 1642. U.S.C 1681m and 12 cfr 1002 because I, the consumer, made an application in good faith, but credit was not issued.

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 2023-05-24
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 value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

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 2020-02-25
Company: WELLS FARGO & COMPANY
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I made a wire transfer from my account with Wells Fargo to a XXXX car dealership in XXXX on XX/XX/2020. The transfer was supposed to be complete by XX/XX/2020. It is now XX/XX/2020 and the transfer has yet to be completed. An internal investigation with Wells Fargo has been started ( case # XXXX ) but have not heard anything from my bank.

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 2020-02-25
Company: Comerica
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
XXXX XXXX, of XXXX Michigan XXXX of ( XXXX ) XXXX file # XXXX sent letter dated XX/XX/2020 requesting return of {$23000.00} of unauthorized with drawl from ex-XXXX  XXXX and they failed to return the money. They created more damages by prematurely closing the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4900.00}, {$1400.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4900.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1400.00} -This is not my account.

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 2021-07-07
Company: BARCLAYS BANK DELAWARE
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 am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

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 2018-05-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I was sued by XXXX XXXX XXXX XXXX. on behalf of XXXX XXXX XXXX for a credit debt I do not owe. I received a judgment against XXXX XXXX XXXX from the XXXX District Court. XXXX XXXX XXXX is still reporting the incorrect information on my credit report. I disputed the incorrect information with the credit report, but it was not removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-11
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. U.S. DEPARTMENT OF EDUCATION # XXXX, U.S. DEPARTMENT OF EDUCATION # XXXX, XXXX XXXX XXXX # XXXX XXXX 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. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 tried to resolve this early in 2022, and assumed the loan was real since I have two masters degrees from different universities. 
The Washington State Attorney General 's Office tried to resolve it, but XXXX refused to answer their calls and requests for information. 
When I just did my annual credit reports, I found the information is still on my TransUnion and XXXX and my complaints of it being false information last year have been deleted. 
Having just finished a XXXX XXXX  in XXXX XXXX with student loans, I called to get into the XXXX program, which is required if you have delinquent payments or charge offs/defaults. I was told I have none and needed to call the XXXX XXXX XXXX XXXX. 
I called the XXXX XXXX XXXX XXXX, and was told I've never had a XXXX XXXX loan and that XXXX is precluded from buying a XXXX XXXX loan, servicing a XXXX XXXX loan or anything else to do with XXXX XXXX. 
I was advised to file a complaint with my state Attorney General again, and to file a complaint here, also. 
It's straight up fraud. I don't have and never have had a XXXX XXXX loan and XXXX has never been my servicer. All my student loans have been serviced by XXXX XXXX, and recently got taken over by XXXX. 
I have applied for and completed the process for all my loans to be consolidated into the SAVE program. I could not do this if I had any loans deliquient, in default, or claim charged off. 
Yet XXXX is trying to collect {$1700.00} from me, through fraudulent reporting to credit bureaus. 
I have proof all my loans have been consolidated into SAVE.

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 2019-01-02
Company: MJ Altman Companies, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In response to CFPB:XXXX This dispute is not about my XXXX.Validation of people using my information is not a proper investigation, do not just put into XXXX. I have put you on notice then I reserve the right to file a suit against you for FDCPA violations in my courts venue. You will have to travel to defend yourself in that scenario. Please also be advised that this request is an official validation of debt request and not a verification of address request. Proper proof of said debt is required. Please understand as well that under the FCRA any furnisher of information must put the account rating on hold while the debt is being investigated. Continuing to report this disputed debt to my credit reports is a FCRA violation also open to damages collected from you. when making a dispute no number needs to be provided. you have an address to respond to or a cfpb portal response. whatever previous address you have for me was a fraudulent address, if you can kindly provide that address, i can do a proper investigation of my own.

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 2021-10-01
Company: LEXISNEXIS
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The Credit Reporting agencies claim they investigated the listed bankruptcy and verified it. I contacted the US XXXX DISTRICT OF GEORGIA BANKRUPTCY COURT about this issue as well. In which I received a letter stating that no such verification has been provided nor would they ever give out such information. Congress says in order for them to have conducted an investigation they have to have Spoken to neighbors, friends, or associates, etc, and if they spoke with them the information Provided can not be factual. 

I DEMAND THE LISTED BANKRUPTCY BE REMOVED FROM ALL CREDIT REPORTING AGENCIES!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01
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:
Hello I am reporting Equifax credit reporting bureaus i have already submitted a compliant about these crooks, here is the problem this company have my score down nearly a 100 points vs the other 2 agency something is really wrong, i don't trust their reporting and this is my 3rd attempt too bring this matter too light

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04
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:
PLEASE REMOVE!!!

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 2022-12-30
Company: Experian Information Solutions Inc.
State: CT
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 and experian is reporting serval duplicate inquires that I didnt do and would not remove them especially XXXX and XXXX XXXX had a freeze on my accounts and yet not being notified if Im authorizing a creditor to obtain information I want all my inquires removed especially all the doubles triple inquires I have

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