BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-26
Company: Windham Professionals, Inc.
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
A business debt was owed to XXXX and was credited off of the account effective XX/XX/XXXX for service that was disconnected. Due to the service being reactivated in XX/XX/XXXX, XXXX said after 60 days they would credit the account with the full deactivation fee to bring it to a XXXX  balance. 
- I received a call from XXXX XXXX XXXX on XX/XX/XXXX and discussed that service had been reactivated and that the account would be credited. They said they still showed the balance as open and would not be able to close it until XXXX closed the balance. I called XXXX to ask them to close the dispute because the service was back on and a credit was scheduled to be applied. They said they couldn't, but I shouldn't receive any additional calls. 
-I received a call from XXXX XXXX XXXX on XX/XX/XXXX and once again told them that the debt was disputed. I called XXXX customer service again to discuss the situation and how this should be resolved and to please stop the calls. They saw it on their end and said that it should be taken care of now. 
-I received a call from XXXX XXXX XXXX on XX/XX/XXXX and once again told them that the debt was disputed. I called XXXX customer service again to discuss the situation and they showed no debt on their end. 
-I received a call from Windham Professionals on XX/XX/XXXX and the debt collector hung up the call after I began to tell him that the debt was already resolved. 
-A letter was sent from Windham Professionals on XX/XX/XXXX threatening collection activities for the debt to XXXX . 
-I called XXXX XXXX customer service line on XX/XX/XXXX and asked for copies of the company 's bills to send to Windham Professionals , including - A letter was sent to Windham Professionals on XX/XX/XXXX notifying them that the debt was satisfied, the debt was disputed, to stop communication with us, and record the dispute. 
-A debt collector from Windham Professionals called on XX/XX/XXXX and claimed no knowledge of the aforementioned letter. I told him he was harassing me at this point and had been notified already of the situation. He was suddenly able to find a bill showing the credit. He did not say that it would be satisfied, merely that XXXX told him to call.

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 2023-05-16
Company: Experian Information Solutions Inc.
State: MO
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 fourth attempts 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, delete the noteworthy of any information in my credit record that came about due to an alleged fraud. XXXX XXXX Balance Owed : {$130.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$3000.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX Balance Owed : {$130.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$3000.00} ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX : {$130.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX  XXXX Balance Owed : {$3000.00} ; XXXX XXXX Balance Owed : {$210.00} ; XXXX XXXX Balance Owed : {$1400.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$1700.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; 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 2023-05-12
Company: WELLS FARGO & COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On XX/XX/XXXX an application for Wells Fargo was denied and I never filled it out

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 2021-05-25
Company: Experian Information Solutions Inc.
State: PA
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:
Hello, I am requesting the following information get deleted off my credit report.The items I need deleted are listed on the word document attached. 

I am a victim of identity theft and did not open said accounts listed on the word document provided. I ask that all items XXXX fraudulent accounts and inquiries ) be deleted off my credit report. 

I already reported the theft of my identity to the Federal Trade Commission. 

I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

Please note that I am submitting this request on behalf of myself. No third party is involved Thanks in advance for your time.

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 2023-07-28
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my OTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 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 relating to any transaction by the consumer. 

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 DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX 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 explanation
Consumer complaint received 2023-07-25
Company: EQUIFAX, INC.
State: MI
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 is refusing to delete entries from XXXX XXXX after XXXX XXXX failed to provide a promissory note between them and myself for the dates they have listed on my credit report. I never signed a promissory note with XXXX XXXX bank in XXXX or any other time they claimed that I took a loan out with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
Company: SANTANDER HOLDINGS USA, INC.
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I brought a lemon 2011 XXXX XXXX was in the shop for a half a year on return of the car the car has not worked correctly it is now going into shop for repairs it was over price which the blue book value the car for XXXX which XXXX charge me XXXX ; XXXX took them court the judge agree it was a lemon but could not award me a buy back because it was small claims court I won XXXX I get my bill XXXX months ago they claim now there a payment missing I sent copy of judgment paper work receipt but Santander bank acting like they don't have a clue what to do

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Problem with customer service

Complaint:
XX/XX/2018 I am not a customer and attempted to take a check that is one of their customers to cash it. I was told I had to pay an {$8.00} charge. I paid cash to the writer of the check for a service that was not rendered, I was refunded. Why am I now having to pay {$8.00} to get the money back I paid. I didn't charge anyone {$8.00} when I handed them my CASH. They proceeded to discriminate against me bc I am an XXXX XXXX Trump supporter  and told me they would not waive the charge even though they were debating it. Then they called the police without asking us to leave and said we were trespassing. Why are they allowed to abuse public services like this, they were not threatened, they did not ask us to leave, it is an abuse of civil services. I am a tax paying citizen. The bank is not entitled fees to MY cash when I am not paying for their services. I did not choose Bank of America and I would NEVER PAY TO USE THEIR SERVICES. They discriminated against me bc I am XXXX XXXX and did not provide me the same service they would any other individual.

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 2019-03-26
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
In XX/XX/XXXX Equifax had a data breach and my personal private information was compromised. 
On XXXX I asked an Equifax representative how I could lock my credit report. I was told that I had to buy an Equifax product and then pay to add on the credit lock feature. I purchased the Credit Watch Gold and the Equifax Credit Report Control products per the rep. 
I later signed up to receive the 1 year free credit monitoring that Equifax offered before XX/XX/XXXX. 
I never received the free monitoring I signed up for. I thought my account was being credited and that the 1yr free credit monitoring applied to my account. 
I recently discovered billing records that show Equifax continued to charge me for monitoring during the breach. From XXXX until XXXX Equifax charged me {$170.00} for services during the data breach. 
My information was compromised, I did not receive the service they publicly said they would provide to consumers and Equifax told me I had to pay for credit monitoring and the lock feature even though they knew my information had been compromised in their system.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have disputed these erroneous account multiple times because I do not recognize this debt. The company did not preform a proper investigation therefore the account wasn't removed. The company insists that the account is mine although it is not. If there is an account with them in my name it is a result of theft. I have filed an identify theft report. There are two accounts with XXXX XXXX. XXXX XXXX  XXXX Account number XXXX and XXXXXXXX XXXX XXXX XXXX Account number XXXX. In addition, the company keeps changing the charge off date. The charge off is over 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 2018-09-04
Company: Global Trust Management LLC
State: FL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
To whom it may concern concern at CFPB, this letter is being sent in response to An Unverfied Anauthorize Collection Account that was placed on my Credit File with XXXX, XXXX and XXXX The 3 Credit Bureaus Repositories More importantly due to the Company XXXX XXXX XXXX, I never received Validation of this action place on my credit file no one Notified me via registered mail of this Unverfied Collection in my credit file Report XXXX XXXX, and XXXX.the alleged month and year XX/XX/2016 of amount $ XXXXplease be advised this Account was never Verified And because of the Derogatory activity It has done great damage to my credit score since this company never attended to contact be directly by USPS Mail.as to the authenticity of this Unverfied debt a notice was sent pursuant to the Fair Credit Collection Act ,15USC 1692g Sec.809 ( b ) that there claim was is Disputed, and validation was requested on my end since I was never informed of this unfortunate unverfied Derogatory marks I initiated a Request for Legal proof a request for proper documents and Signiture or contract, this is a Violation of the FCRAct Violation of Fair Debt Collection Practice Act Defamation of Character, I sent this request to XXXX XXXX XXXX XXXX  this account was Charged off in my credit report this invalidated Charge off has Drastically impacted my good credit and has severly tarnish my good credit history.a Defamation act a will full act by a company that refurses to validate this unverfied Account XXXX XXXX XXXX. use Predetory Collection tactics by continued phone messages that I recorded for my records as Documents For future Litigation If they continue there phone calls, to myself and my family I am a XXXX XXXX Veteran totally XXXX when a collection company calls and treatening messages of filing with authority and having my XXXX Wages Garnish this is against the Law in Violation of the Fair Credit Reporting Act : published and Unauthorized Collection In my Personal Credit File with out giving me a chance to challenge this erroneous Act. I do not take this lighty and I also believe my rights were violated the this unjustly act therefore I again Sent XXXX XXXX XXXX who I believe was Charged off and sold to a third party Collections agency Called Global Trust Management LLC. please note : I want this coming to stop with there Collection activity for 2 years this company Never attempted to Contact me only unlicensed phone calls if they continue I will seek Advice of an attorney. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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 Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX/XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX/XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 explanation
Consumer complaint received 2021-12-07
Company: EQUIFAX, INC.
State: IL
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:
Hello so on XX/XX/2021 I mailed a letter regarding inaccurate and unverified things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the stress you caused me. My information was also affected by the Equifax AND THE XXXXE data breach and may have gotten into the wrong hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I had a student loan that my grandfather co-signed. My XXXX and XXXX  both managed the loans. I have since completely paid of the XXXX. My grandfather passed away and when he did the account status was changed to deceased. When I purchased a home, my credit report reflected deceased on my social security number only for Equifax- XXXX  and XXXX were fine. I went through the remediation process and had confiirmation that it was corrected and I no longer reflected as deceased in XXXX. However, when i went to purchase a car and have my credit run in XX/XX/XXXX, Equifax again reflected I was deceased. I called again and had it remediated again in XX/XX/XXXX. However, it appears while applying for a credit card in XX/XX/XXXX, that my Equifax again reflectes decreased for my social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 submitted a letter to the 3 Credit Bureaus on XX/XX/2022, 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 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 2021-12-31
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:
I have been a victim of identity theft for about 5 years now, my information was leaked during the Equifax breach. I have disputed the items that are fraudulent on my credit report 3 times with all 3 bureaus and they all do the same thing. They open a dispute and close it within a DAY! Sometimes its closed within the hour! They DO NOT INVESTIGATE! Investigations take time and require a human being look over the evidence, which has never happened in my case. I have sent in the identity theft reports, police reports, and recently their were 2 individuals arrested with my stolen information and items. I sent them this evidence as well and it has gone unrecognized. Its beyond frustrating! The items that need deleted from my report that have DESTROYED MY GOOD CREDIT, are XXXX, XXXXXXXX XXXX XXXX and XXXX. I will upload all the evidence on this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: Comerica
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I have a master card direct express card and I get my XXXX on it on the first of every month this month on the first they allowed five people who I didn't know with the letters of in front of there names take more than a hounded dollars each out of my account and when I called to get it taken care of the man told me that he would put a hold for 7 days on the money and I had to call this number XXXX and ask that these people XXXX evens, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX would please give me back my money I never altherosized them to take it in the first place and need a cancellation # and ask for how long it will take. That was on the XXXX of XXXX at XXXX I then call the number for the rest of the night and next morning getting nothing but a busy signal only to find out that the card had given them my money anyway so I called back and had to deactivate my card get a new one and do a despute on these charges that I never altherosized that I made clean to the first person I talked to. I just want my money back I don't understand why I am being scammed by someone and why people are not listening to me about it.

Company response to consumer: Closed with explanation