BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-05
Company: EQUIFAX, 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:
Today, I am sending my CFPB complaint to you to notify you that the XXXX credit bureaus neglect to correct the inaccurate account on my credit file. This account has several error. The payment history and date last activity are inaccurate as the references to late payment. I was never late in paying. Under the Fair Credit Reporting Act, Im going to have to request proof of last payment and payment history.The bureaus are reporting false information and I believe the company is violating Sections 605b of the FCRA. Kindly help me correct this account : XXXX XXXX BANK XXXX XXXX : {$300.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-02
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: Account information incorrect

Complaint:
I'm reaching out regarding the measures that are calculated to factor consumer credit reports and scores. I don't understand how I can use my credit card today within 72 hours charges appear on my credit reports. In the same instance if I make a payment or pay down my credit card balances significantly, it's not reported until after 4 or 5 days past the billing cycle.

How is it possible to have a system that is so flawed that it penalizes every consumer that utilizes their credit limits instantly. If the same consumer pays down their balance the information isn't reported until almost a month later! 

What is the system designed to penalize Americans rather than strengthen the economy by reporting true and accurate information. It makes no sense to have as many different scoring modules when attempted to utilize your credit worthiness. Shame on these companies that you operate credit worthiness in this manner while in the same breath you sell information to companies without permission. This greed in America is ridiculous and as a consumer I am sick and tired of it!!!

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 2023-01-17
Company: DriveTime
State: DE
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 XXXX XXXX XXXX account number # XXXX, XXXX XXXX XXXX  account number # XXXX, XXXX XXXX account number # XXXX & DRIVETIME/XXXX account number 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I'm reaching out regarding the measures that are calculated to factor consumer credit reports and scores. I don't understand how I can use my credit card today within 72 hours charges appear on my credit reports. In the same instance if I make a payment or pay down my credit card balances significantly, it's not reported until after 4 or 5 days past the billing cycle. 

How is it possible to have a system that is so flawed that it penalizes every consumer that utilizes their credit limits instantly. If the same consumer pays down their balance the information isn't reported until almost a month later! 

What is the system designed to penalize Americans rather than strengthen the economy by reporting true and accurate information. It makes no sense to have as many different scoring modules when attempted to utilize your credit worthiness. Shame on these companies that you operate credit worthiness in this manner while in the same breath you sell information to companies without permission. This greed in America is ridiculous and as a consumer I am sick and tired of it!!!

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: DC
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 purchased a home in XXXX of XXXX in XXXX XXXX Md thru XXXX Mortgage for $ XXXX when I looked at my credit report on all XXXX bureaus I noticed it was no longer reporting which is a violation of my rights. The mortgage was sold to XXXX XXXX in XXXX of XXXX which they never reported to the bureau ither I would like these XXXX mortgage showing on my credit profile asap. 

XXXX Mortgage act ending with XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Md 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 2023-05-02
Company: Harris & Harris, Ltd.
State: PA
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 received a letter from a law office stating that I owed an amount for a medical service done on XX/XX/2022 which I had not received. I do not reside in the location where this service is said to have been provided. The amount I am being charged is {$2900.00} for medical services provided by XXXX XXXX XXXX XXXX in XXXX XXXX XXXXXXXX, and is being collected on by Harris & Harris Ltd. based out of XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX IL XXXX. 

For context, is the second time that a company tries to collect money from me. I already tried to file a police report for a ticket that was issued to my name on a car that did not belong to me, as some one used my information and got a vehicle registered under my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am of victim identity theft and have contacted XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX and Experian 3 times since XX/XX/2023. I have provided them with a copy of my police report, FTC report, ID, SSN and bills serval times. And they refuse to remove these fraudulent accounts and addresses. They have also reinserted fraudulent information back on my report without notification and some items they have refused to remove them from my credit report. The accounts are as follows : Fraud AccountsXXXX XXXX XXXX # XXXX Bal. {$4100.00} Opened on XXXX, XXXX  XXXX XXXX # XXXX Opened on XXXX, XXXX XXXX XXXX XXXX Bal. {$1200.00} Opened on XXXX. Fraud Address- XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX I am requesting that these fraudulent accounts be immediatly removed from my credit file. I did not open these accounts and they do not belong to me

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 2023-06-15
Company: EQUIFAX, 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:
AS OF XX/XX/XXXX the credit bureas and self income Claimed they did an investigation But that can be possible when I never have written permission!!!!!! 

XXXX XXXX 1 LATE PAYMENT Balance details Paid off - Balance - Balance updated - Original balance {$520.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Secured Loan Payment summary XXXX XXXX XXXX XXXX - XXXX - XXXX XXXX  XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX XXXX - XXXX - PAYMENT HISTORY LEGEND Status Paid, Closed. 
Status updated XX/XX/XXXX Original balance $ 520 Monthly payment - Last payment date XX/XX/XXXX Additional info Responsibility Individual Terms 24 Months Company sold - Original creditor - Comments- Your statement **CONSUMER STATEMENT** ITEM IN DISPUTE BY CONSUMER Contact info Address XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX Phone number ( XXXX ) XXXX RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible! 
These accounts should not be furnished on my consumer report as they are in VIOLATION! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit report act XXXX account # XXXX, has violated my rights. 
15 U.S.C1681 section 602 A. States I have the right to privacy.

14 U.S.C 1681 section 604 A. it also states a consumer reporting agency can not furnish a account without my written instructions.

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 2023-02-23
Company: EQUIFAX, INC.
State: OH
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:
Equifax is using my information without my consent and is violation the FCRA. 


The FCRA states any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. 

I never gave Equifax written instructions to furnish a consumer report on me the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05
Company: World Acceptance Corporation
State: LA
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:
the loan is from WOLRLD FINANCE CO, I have no knowing of getting this loan I believe my identity was seized and used to obtain this loan

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: Affirm Holdings, 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: Account status incorrect

Complaint:
On XX/XX/2023, I made a settlement payment to XXXX XXXX on behalf of Affirm , Inc for {$120.00}. The balance was settled and I was told that the information would be updated on my credit report. I filed a dispute and Affirm certified to XXXX that the account was valid. My confirmation # for the payment made to XXXX XXXX is XXXX. I pulled my credit report on XX/XX/2023 and XX/XX/2023, it showed that my account had not been updated. I filed another dispute because the balance of the balance with XXXX and submitted my documentation of payment and information from Affirm showing that the account had been paid. I then contact XXXX in regards to this matter and they verified that they had received the payment and that the account had been resolved however they would not send over information to the credit bureaus until XXXX to 60 days from proof of payment. I stated to the representative that a request from the credit bureaus had come over for verification of the account and the balance. He stated that they would not update the account even though the show that the account has been settled and paid. They would continue to report the account as being delinquent until XXXX to 60 days which incorrect reporting. I'm in the process of purchasing a house and this is a hinderance for me to move forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I am the XXXX XXXX XXXX XXXXXXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I need my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and I need my credit report clean and all the negative stuff removed that's not mine that I submitted so many documents time and time over again dispute at the dispute I mailed some supporting documents the tracking number is as follow XXXX the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is over my XXXX XXXX XXXX XXXX XXXX my bank is XXXX XXXX XXXX XXXX XXXX Wells Fargo Bank I would like to show them for XXXX XXXX for cutting off my credit card without my permission I had a secured credit card my credit score increased and it was time to increase the limit and they closed the account I feel it was XXXX XXXX  they also sold my mother 's mortgage loan without her permission which was fraud I sent all the supporting documents I would like for all of this to be investigated from the fraud department in any other department that would be able to help us with this matter we are trying to expand our business and help house the homeless in the issues we experience with Wells Fargo is holding us back XXXX XXXX and XXXX failed to comply with the federal laws of removing the inaccurate information on my and my mother 's credit report we have sent many letters and it has costed us a lot of money and we would like to pursue legal actions to get money for the money we wasted on trying to get our credit report right I also made police reports for reports all of the stuff they instructed me to do and they have failed to get us up-to-date credit reports with the right reporting information and it is holding us back from getting our business to the next level get in the home equity loan to buy a building to house the homeless veterans

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 2023-04-05
Company: Spring Oaks Capital, LLC
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:
On XX/XX/XXXX I received a letter from Springs Oaks Capital LLC debt collector Reference XXXX, claiming that as of XX/XX/XXXX I owed {$1300.00}. I reached out to the company and explained that I was not the owner of the debt. Spring Oaks advised me to file a police report. In the meantime, I received several calls from Spring Oaks and I continued to explain that I was not the owner. I reported the matter to the XXXX XXXX Police in XXXX XXXX but I was not given a formal report, I was advised to check my credit report so I reached out to XXXX and they confirmed the above. 
I continued to reach out to the debt collectors and they directed me to XXXX. 
On XX/XX/XXXX, I went back to the XXXX XXXX Police department and I refiled the identity Theft Incidence, I received a copy of the incidence report affidavit Report Number XXXX / Filing date XX/XX/XXXX. I also filed the Identity Theft Victim 's Complaint and as directed uploaded it to XXXX XX/XX/XXXX. However, I continued to receive calls from Spring Oaks, an agent advised me to send it to their company XX/XX/XXXX and I did. The matter was not resolved so I reached out to XXXX XXXX XXXX, XXXX on XXXX XXXX. 
Furthermore, The origin of the debt is in XXXX XXXX and I have never resided in any other state besides XXXX. 
I firmly disagree with Spring Oaks that I am the owner of the debt because without any doubt I am a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: I.C. System, Inc.
State: OH
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:
After removing a false collections claim from I.C Systems from XXXX and XXXX, XXXX has now started showing a collections debt on my report. My parents received a letter at their house in XXXX ( I live in XXXX  ) that I had a debt to XXXX and if it wasn't paid by XXXX XX/XX/2022 it was going to collections. 

I called XXXX and paid immediately. On XX/XX/2022. A whole month before IC Systems deadline. I have sent XXXX on XXXX separate occasions proof of payment and that the collections claim is false, but they come back with it being verified each time. IC Systems is falsely reporting this debt and it is negatively effecting my life. 

I called XXXX after the first time this hit my credit report, and they claimed they had not yet sent the letter that the debt had been paid to I.C Systems, but would. However it would take 60 days for it to reach IC systems, this was on XX/XX/2022, it is now XX/XX/2022. 

I will note that the nature of the debt was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, you will see on the statement credit of XXXXXXXX XXXX XXXXXXXX informed me if the missing XXXX XXXX were returned they would refund the XXXX I paid to them, which they did. 

Like with XXXX, I will be willing to involve a lawyer if necessary. This is a bogus debt collection.

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 2022-12-15
Company: TransferWise Ltd
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Hello, I would like to submit an official complaint against XXXX XXXX XXXX . 



I have been a victim of fraudulent activity as Wise did not put in the right controls to verify fraudulent activities to prevent fraudulent transactions from occurring. I request that Wise reimburse my money ASAP as this is unacceptable as financial institution that should be doing proper know your customer checks. 



I made a purchase for a handbag for USD {$4700.00} on XXXX XX/XX/2022 and paid this amount to a fake account that was set up on Wise. I was provided these details by the sellers wife who told me this was her husband. The Wise account details the seller gave me is as follows : XXXX XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX : XXXX I then proceeded to make a transfer to this account as the above details were verified and approved by Wise as a legitimate account so I did not see any issues with the transaction. It is XXXX  policy that a form of identity MUST be attached to the persons account for security and verification purposes and knowing this information, it gave me confidence that I was moving forward with a legitimate transaction to a legitimate source. 

On XXXX XXXX I discovered that this was a fake account created by a fake person that I had sent money to. This was verified by the real wife who advised me that her husband IS NOT called XXXX XXXX and that her REAL HUSBANDS name is XXXX XXXX who DOES NOT have a Wise account. I raised a case via their website with Wise on XXXX XX/XX/2022 and also called to raise a case on XXXX XXXX but have not received any updates on my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: Experian Information Solutions Inc.
State: PA
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2023-12-10
Company: CITIBANK, N.A.
State: MD
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I have a Best Buy credit card through Citi and experience XXXX fraudulent charges on my account at XXXX. XXXX XXXX XXXX unauthorized charges on XX/XX/2023 for {$290.00}, XX/XX/2023 for {$290.00} and XX/XX/2023 for {$290.00}. I filed a fraud dispute on XX/XX/2023 with Citi. I was credited for all three fraud charges and was told there would be an investigation. XXXX months goes by and I receive a letter telling me I would not be liable for the {$290.00} charge but would be responsible for the other XXXX fraudulent charges. Received a copy of the report from XXXX which showed the IP addresses, and shipping addresses were no where near me. They were on the other side of country. No idea who the people were. Somehow XXXX and Citi determined XXXX was responsible.

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