BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-26
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: Personal information incorrect

Complaint:
Hello- I recently submitting identical documentation lists ( social security cards, birth certificates, drivers license, marriage certificate ) to all three credit bureaus ( Equifax XXXX XXXX XXXX and XXXX ) to initiate security freezes for my two minor sons. All the documentation that I submitted was accurate, including the spelling of names. Even with a cover letter and list of accurate documentation, the responses I received from two of the three bureaus contained errors or issues. 

From XXXX, the XXXX XXXX XXXX was correctly created for both minor accounts, but the response letter for one son has our last name misspelled ( XXXX ) instead of the correct spelling ( XXXX ). Therefore, I assume that the very first record in my minor son 's credit report has his last name misspelled. I attempted to call XXXX to correct the issue, but doing a phone transfer I was disconnected. I did not try again. 

For XXXX, everything appears to have been completed accurately for both sons with complete names. 

For Equifax, the security freeze was correctly created for one son, but the response letter for my other son states that " we were unable to locate a credit file for you for one of the following reasons : - You have not applied for credit recently- You have not actively used credit in the past ten years, or - You have not lived in the United States or have not been issued a U.S. Social Security Number ''. 

And, the Equifax response letter addressed to me did not capitalize my first or last name. 

It is very disturbing that these three credit bureaus are in charge of managing all of our personal data, yet they can not manage to accurately create a credit freeze on a minor account. The lack of attention to detail is terrible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: EQUIFAX, INC.
State: KY
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:
I XXXX XXXX, consumer and natural person who is a victim of identity theft. XXXX, XXXX, and Equifax had used and furnished my consumer report without my authorization consent or written instruction. My information was shared to nonpublic personal information without my consent and also used that information to furnish. Congress makes it clear that the consumer has a right to privacy by failing to meet the needs of congress by ensuring that they exercise their responsibility with respect to the confidentiality of my personal information. The Fair Credit Reporting Act was intended to insure that consumer reporting agencies exercise their responsibility with fairness and respect to the consumer right to privacy Under the Gramm Leach Bliley Act of 1999. I enclosed all documentation social ID and statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: EQUIFAX, INC.
State: GA
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:
This is 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-16
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 sent a letter on XX/XX/XXXX to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX Balance : {$1900.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1300.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2000.00} ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX 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 non-monetary relief
Consumer complaint received 2021-09-27
Company: WELLS FARGO & COMPANY
State: NJ
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am a natural person and the original creditor. On XX/XX/XXXX myself and a co applicant extended our credit to WELLS FARGO DEALER SERVICES to obtain a vehicle for personal use. The Co-applicant and myself used our accepted credit card in this consumer credit transaction where our credit cards gave a security interest in the vehicle which secured all payments. This debt is alleged. I refuse this debt. It has come to our attention that the retail installment sales contract is not backed by the truth in lending act. On XX/XX/XXXX, WELLS FARGO DEALER SERVICES included our {$500.00} down payment in our finance charge, when pursuant to 15 USC 1605, the finance charge should not include charges of a type payable in a comparable cash transaction. Also, myself and the co-applicant are listed as borrowers. The truth in lending act does not define what a borrower is and pursuant to 15 USC 1602 the term creditor means any person who regularly extends, renews, or continues credit ; any person who regularly arranges for the extension, renewal, or continuation of credit ; or any assignee of an original creditor who participates in the decision to extend, renew, or continue credit. We are the original creditors because we initiated the transaction extending out credit. The retail installment sales contract also states that we agree to purchase the vehicle on credit. But our cash payments are included in the finance charge. Take further notice that on XX/XX/XXXX our right to rescind ( 15 USC 1635 ) was not explained to us clearly and conspicuously, nor were we given the proper forms to exercise this right. Several of our consumer rights were violated due to fraud and negligence by WELLS FARGO DEALER SERVICES. We have send a cease and desist warning notice to WELLS FARGO DEALER SERVICES through certified post office mail and they received the letter on XX/XX/XXXX. There has been no response from WELLS FARGO DEALER SERVICES acknowledging our notice.

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 2023-01-26
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: AZ
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: Problem with personal statement of dispute

Complaint:
Apartment complex XXXX at XXXX XXXX in XXXX XXXX XXXX XXXX, XXXX, AZ XXXX, where I happened to reside temporarily. I summited an application to become roommates with the person already living there XXXX XXXX back in XX/XX/XXXX. Application was then approved. Fast forward to a few month 's later XX/XX/XXXX. I managed to get an apartment for myself in which I was needing rental history. Which then I went over to the leasing office at XXXX where I happen to find out there was never a new lease made with my name on it showing proof of me being a resident there. That brought upon many issues as the apartment complex I was wanting to move into needed that history before approving my application. The manager of the leasing office at XXXX was made aware by another employee that my name or information was not a part of the current lease they had in hand. Therefore, the manager had to email the new complex and let them know of the office error for them to approve me as it had nothing to do with me not completing what was needing on my end. The new apartment complex at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX, then approved me. Later on XX/XX/XXXX I receive an alert that an account on my credit has been open owing {$260.00} from Genesis Credit Management that XXXX is now billing me for rugs I am not responsible for as I had no bedroom in that apartment. Now I have this debt lingering on my credit effecting my score and my future home purchasing. SOMEONE PLEASE HELP ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: ONLINE Information Services, Inc.
State: KS
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
i logged in to my XXXX XXXX and it said i had a collection message and its from XXXX XXXX XXXX XXXX XXXX XXXX but i dont even live in oklahoma and i didnt set up an account with them so i dont know how i have unpayed bill

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-20
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I need this to be removed as it affects me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-11
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:
XXXX XXXXXXXX XXXX XXXX Not my account Victim of Fraud Identity theft Have contacted company

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 2023-01-03
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2021-03-16
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
FOR THE RECORD THISBIS NOT A COMPLAINT THIS A CLAIM BY A LIVING MAN NON ARTIFICIAL PERSON XX/XX/19 We have orginal in good faith sent a affdavit of truth in reference to this fraudulent loan number # [ XXXX ] attach to our private property which has been rebutted under penalty and perjury without any response point for point. We have been very patient with these perpetrators and still no remedy. This will be the Cfpb Actual notice of crimes currently ongoing. These individuals unlawfully actions are directly responsible for the distress financially emotionally and mentally over the past 24 months and counting. While during a pandemic these individuals sent people to our private property against our consent on two occasions .Attach is prima facie evidence and the CFPB must uphold the law or be expose to charges as well .We the people are free and owe no obglations to this artificial enity. As public servants who are only here to sereve us your MASTER We demand for this cliam to be addressed Immediately. First and foremost this fraudulent debt that doesn't exist must be erase in compliance with the bill of rights but more specifically title 15 is self explanatory and must be compeststaed as well for damages. Thank you in advance for your service which you have a duty to provide. 

AGENT TO PRINCIPAL IS PRINCIPAL TO AGENT IGNORANCE OF THE LAW IS NO EXCUSE NOR DEFENSE

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: TRANSWORLD SYSTEMS INC
State: FL
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:
On XX/XX/XXXX, I became aware of an issue related to my account with XXXX XXXX XXXX. Specifically, they have reported negative information on my credit report without providing the mandatory written notice, as required by the Fair Credit Reporting Act ( FCRA ), section 15 U.S.C. 1681s-2 7 ( A ) ( i ). 

The account in question with XXXX XXXX XXXX was opened on XX/XX/XXXX, and it has a reported balance of {$4600.00}. Despite my efforts to rectify this situation, including sending a certified letter on XX/XX/XXXX, requesting that XXXX XXXX XXXX update the late payments on my credit report to " XXXX : PAID AS AGREED NEVER LATE '' and delete any other negative information, I have not received a response from the company. This lack of response and failure to correct the inaccuracies have adversely impacted my credit score and financial standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
XXXX XXXX and XXXX XXXX owned house jointly XXXX somehow removed XXXX XXXX 's name from note kept on property wells fargo never disclosed this to us and now XXXX XXXX has died wfb refuses to admit bate and switch predatory note not backed private investment firm they have lied to us and refuse to correct this nightmare

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 2021-03-16
Company: AT&T
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from XXXX about a A T & T bill that is not mine. I have never had an account with A T & T now or at any time. 
I have written to them saying the debt is not mine. I have also gone online and found that this collection agency in Florida has many consumer complaints for the exact same thing. They try to collect a debt for A T & T for a debt not owed. 

They asked that I pay half of the debt XXXX. Reference number XXXX

Company response to consumer: Untimely response
Consumer complaint received 2018-12-10
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I have called XXXX XXXX several times and have spoken to different representatives that have informed me t that I qualify for the " temporary expanded Public Service Loan Forgiveness Program (  tepslf ). '' I know this to be true because I completed 7 years in the program and was placed in the wrong repayment plan for over 3 years so I am a perfect candidate. The problem is that the XXXX XXXX   representatives claim not to have access to TEPSLF and neither do individuals who have applied to the program. There is no phone # only an email address that does not respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: Nelnet, 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:
I have provided proof of identification theft on my credit report and consumer report and they still report student loans on my account they need to be permately deleted off all agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: CITIBANK, N.A.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
There are three hard inquires on my credit report of account that I have not requested to open. The requests are in my name, one has my home address and not my cell phone number and the second is on my home address or my cell phone number. I have a fraud alert on my credit file. 

XXXX. XXXXXXXX XXXX XXXXXXXX request on XX/XX/2023 XXXX. XXXX XXXX request on XX/XX/2023 XXXX. Citibank NA, XXXX request on XX/XX/2023 The amounts are unknown, as well as if there request has been accepted. I have called all three banks. All asked for my date of birth and SSN. There are no cards connected to this information. 

I received a credit report from all three credit bureaus. I have removed an unknown number and currently in the process of disputing/removing unknown names from my XXXX credit report. Lastly, I am in the process of reporting 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 non-monetary relief
Consumer complaint received 2023-06-13
Company: Experian Information Solutions Inc.
State: NJ
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: Problem with personal statement of dispute

Complaint:
I am almost XXXX yrs old and want to live in a senior community for a reasonable price. I recently had the opportunity to purchase a co-operative CASH because of a personal injury settlement. 

I found a co-op for {$70000.00} on XX/XX/XXXX. In order to qualify I was told I need income and credit score requirements, as well as background and criminal checks. I was not worried about income, but credit score was borderline ( around 665 ). 

After almost a month, on XX/XX/XXXX, I received an email denying my application. 

I received a letter from XXXX XXXX XXXX yesterday, XX/XX/XXXX, called " Adverse Action Notice '' denying my application, showing a credit score of XXXX ON XX/XX/XXXX, which claims they obtained my credit score from the consumer reporting agency EXPERIAN. I assume this is the company that XXXX XXXX XXXX XXXX uses to either accept or reject applicants. I PAID THEM A {$100.00} DEPOSIT. My {$100.00} deposit check is dated XX/XX/XXXX and was held until XX/XX/XXXX when all my information was received. HOW COULD THEY HAVE PULLED MY XXXX XXXX FROM EXPERIAN ON XX/XX/XXXX, WHEN I HAD NOT EVEN APPLIED AT THAT TIME? AND MY SCORE WAS THE SAME SINCE XX/XX/XXXX ACCORDING TO MY ACCOUNT ( XXXX ). 

This is impossible! I go on my Experian account online from time to time to check my report and score, and my score is currently XXXX. It was XXXX since XX/XX/XXXX on my Experian account. 

I think I may have been discriminated against, or at the very least, treated unfairly. My husband 's score was higher than mine, and yes, he does not have a high score. His is 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 2023-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 tried to apply for credit showing my personal information can't be verified due incorrect information an companies can't verify my address on my report incorrect TransUnion need to update correct address an the banks can't verify my identity

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