BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-20
Company: EQUIFAX, 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:
My wife XXXX XXXX has been dealing with XXXX for years with them reporting this loan on her reports illegally. She finally got them to delete the items from her credit for the 3rd and what better be final time. Now they are on my report and they aren't even mine. We filed BK and she included these as a creditor to be discharged. SEE ATTACHED DOCS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-15
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:
This is one of my numerous 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 information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX and XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please delete these accounts immediately.

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 2023-05-27
Company: I.C. System, Inc.
State: OK
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:
This company continues to harm the consumer by knowingly reporting fraudulent information to XXXX, when there in fact HAS NEVER BEEN A CONSENSUAL CONTRACT BETWEEN CONSUMER AND THIS COMPANY. I am requesting debt VALIDATION as this company has violated the consumer in numerous ways, and XXXX accepts these fraudulent reports as accurate despite the multiple disputes.

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 2022-12-22
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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report, in violation of federal law. These items must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these items, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 
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 2020-11-11
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: Was not notified of investigation status or results

Complaint:
On XX/XX/20 I sent out 609 letters to all 3 credit bureaus XXXX, XXXX, and Equifax. The letters detailed my disputes of the accounts that the bureaus are reporting inaccurate information on my credit profile. Its been over 60 days and I have not received any information on the results of the investigation from the bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Multiple letters were sent to this consumer who can not provide original, valid documentation regarding this debt. 

Letters were sent in XXXX and XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Multiple letters were sent to this consumer who can not provide original, valid documentation regarding this debt. 

Letters were sent in XXXX and XX/XX/2018.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-22
Company: Experian Information Solutions 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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report, in violation of federal law. These items must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these items, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 
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 explanation
Consumer complaint received 2018-06-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Capital one. Has not fixed the issue .. 2 cards open in my name without my knowledge by someone I know. I went to purchased house saw the cards on my credit report. I paid them down. Now the cards are maxed out. Over {$4500.00} on the cards. I dont even have the cards in my possession. I dont shop at XXXX XXXX, XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
Company: Experian Information Solutions 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:
in accordance with the Fair Credit Reporting act Experian reporting agency, 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 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 2018-06-20
Company: United Student Aid (USA) Funds
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
UNITED STUDENT AID ( USA ) FUNDS- was paid in full XX/XX/2016. The balance shows XXXX  which is correct but I am requesting the status be changed from Accounts With a Negative Pay Status-Derogatory to paid in full positive status.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: Americas Car-Mart, Inc.
State: AR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Notice to repossess

Complaint:
In XXXX of XXXX I began the purchase of a XXXX XXXX XXXX from XXXX in XXXX XXXX, AR. My payments were {$650.00} a month. In XXXX of XXXX the car broke down in XXXX, AR while I was away on a business trip. I contacted XXXX  to figure out what to do with the car. I was still covered under warranty and the part that needed replacement was under warranty so I was advised by carmart to have a towing company move my car to XXXX in XXXX so that I could be worked on. The car was transported to XXXX by XXXX XXXX. I had my car keys with me so I took them to carmart so that they could send my keys by mail to XXXX so that they could do the repair. After a week went by I contacted XXXX  to get an update on the keys and car. No one would give me any information and just kept telling me that someone would call me back. No one ever called me back. I called everyday for XXXX weeks to get any information from them but was never successful. I called the XXXX  in XXXX to see if they had any information and they told me that they had sent my keys to the carmart in Texas. I called that carmart and they said they would send my keys to the XXXX location. After a few more days went by I called the XXXX in XXXX to see if anything had been done yet. The worker at XXXX told me that XXXX had already had that car towed back to their lot almost XXXX weeks before I called. I tried to get information from the XXXX  in XXXX and hot springs in which neither would give me any information about that was going on. I was current on my payments so they had no reason to repossess my car. This was an illegal repossession and if I do not get a response from this complaint I will be taking them to court.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown 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 taken advantage of and being ignored of my disputes. According to the FCDPA 15us 1692g the bureaus have to report 100 percent accuracy this is a violation i am demanding proof on how these accounts were validated.

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 2019-06-26
Company: REGIONS FINANCIAL CORPORATION
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I'mpresentlywithRegionBankXXXXXXXXXXXXXXXXXXXXMoXXXX.MyaccountisXXXXrouting#XXXXsocialXXXXI'vebeengettingchargedraftchargesat{$36.00}.peritemplus{$25.00}toreturn.Thisoccurtwotimeperweeksthenitsreoccurthefollowingweeks,checkshasbeengettingranthroughmyaccounts3to5times.Thatcreateanhardshipforme.Pendingdepositbeinmyaccountsaidwillchargefeesreturningcheckswhilefundwillavailable.AnagentofsaidquotaRegionmakemoneyoffoffeesThisisanreprehensiblepractice

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 2022-12-22
Company: Experian Information Solutions Inc.
State: NC
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:
The items listed below are reporting on my personal credit file and were found in my reports with XXXX credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the items removed from 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 : {$0.00} ; XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX {$38000.00} XXXX XXXX XXXX OF XXXX XXXX Balance : {$33000.00} ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 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 2021-10-19
Company: WELLS FARGO & COMPANY
State: MN
Product: Credit card or prepaid 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:
Today XX/XX/XXXX  I received a text message stating : Your Order at XXXX  Processed. Product : XXXX OrderID : XXXX Amount:XXXX USD If you haven't Place this order Immediately Call our SupportXXXX I called this number and the girl said it was a charge in XXXX for my credit card ending in XXXX. Well that XXXX  of mine was compromised so I took her there would not be any charges as it does not exist. She wanted me to change my XXXXXXXX XXXX password. 
I hung up and called XXXX XXXX and they agreed it was a fraud. Hopefully you can do something about this.

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 2020-08-25
Company: EQUIFAX, INC.
State: NV
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 realized I have many accounts, phone numbers, names, addresses, and socials on my credit report that do not belong to me in XX/XX/2020. I filed a police report and disputed it all with all three credit bureaus. They have not reached out to me about the investigation or when the accounts will be removed,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/XXXX I requested a XXXX balance transfer with Capital One. The agreement included a 3 % Transaction fee and 12 months at zero percent interest. As of XX/XX/XXXX Capital One began charging interest at 19.99 %. I noticed this on my XXXX Statement and contacted them on Friday XX/XX/XXXX. My call was escalated to a supervisor who then opened a case and gave me a case #. Today, I was contacted by a rep who stated that the agreement somehow dates back to when the card was originally issued and therefore the zero percent interest ended on XX/XX/XXXX. I have been told that they are keeping the XXXX transaction fee and the XXXX rate. Requests for a supervisor over that rep were rebuffed. They have also refused to provide a copy of the balance transfer agreement. I further tried calling customer service and speaking with a supervisor there who also stated nothing further could be done and who also could not provide a copy of the agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
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'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXXXXXX XXXX, LA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XX/XX/XXXX ; XXXX XXXX Bankruptcy Reference # XXXX DateFiled/Reported : XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/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 2020-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 realized I have many accounts, phone numbers, names, addresses, and socials on my credit report that do not belong to me in XX/XX/2020. I filed a police report and disputed it all with all three credit bureaus. They have not reached out to me about the investigation or when the accounts will be removed,

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 2022-12-22
Company: Mr. Cooper Group Inc.
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Last year around XX/XX/2021 I started a forebearance plan with XXXX, my mortgage company. I had it extended and was on the plan for 12 months. I received letters explaining my options on paying back what was owed. Either lump sum, extra payments toward the amount or add it to the end of my loan. Around the time it ended a different company took over my mortgage, a company called XXXX Mr. Cooper XXXX I started receiving statements with a the balance of my total payments that didn't get paid during the forebearance plan. I was told that this company that took over my loan doesn't offer the forebearance plan and that I don't have those options to pay back the amount owed. So basically I'm behind about {$10000.00} and I'm not sure what I can do to resolve this.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
Company: Experian Information Solutions Inc.
State: NV
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:
Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I have enclosed the following documents ; ( Copy of my Driver License for proof of identity & a copy of my identity theft report ) In my identity theft report I have identified the fraudulent account and fraudulent inquiry, along with my statement ).

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 2022-07-21
Company: JPMORGAN CHASE & CO.
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
My car was repossesed on the night of Monday the XXXX without any notice. I did not receive any notice, trackable or otherwise, regarding this impending repossession. Had I, I would have taken every action to prevent it. 

I am hoping to get the vehicle back and I am willing to work with JP Morgan to get my account up to date and can make another down payment by XX/XX/XXXX. The amount they are asking for is however impossible. 

I called JP Morgan on the XXXX and they told me that I would have to pay the full amount ( around {$21000.00} ) left on the loan. 

Per Massachusetts Law, I believe I am also allowed up to 20 days to pay the loan. They did not give me this. I was informed of the amount due on the XXXX of XXXX and asked to pay by XX/XX/XXXX. I have included an audio of them informing me of these terms. 

I have spoken with a lawyer and he strongly believes they are placing these impossible conditions due to the vehicle shortage currently occurring. He advised me to reach out here. 

I am hoping for assistance advocating for myself in this situation and mediating with JP Morgan. Any assistance is truly appreciated- thank you.

Company response to consumer: Closed with explanation