BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-28
Company: Alliance One, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
To Whom It May Concern, Currently I have an account that appears in collections on my file from a collection agency by the name of Alliance One Receivable Management , Inc the account # XXXX. Please be advise that I am disputing this collection due to the fact Alliance One Receivable Management, Inc XXXX XXXX XXXX XXXX, WA XXXX does not have a valid license in Florida to collect debts. This information is stating that their company does not have a registered license to collect debts in the state of FLORIDA according to Florida Office of Financial Regulation XXXX XXXX XXXX XXXX XXXX, FL XXXX. I am requesting that you investigate this matter and delete this account from my credit files immediately or provide me with physical proof that Alliance One Receivable Management , Inc are licensed to collect debts in the state of Florida. Your immediate response will be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: Experian Information Solutions Inc.
State: OH
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:
I have contacted EXPERIAN many times to correct my personal information. 
They have received copies of my government issued driver 's license and court documents SHOWING my name is XXXX XXXX XXXX For some reason - EXPERIAN has NOT updated that information so while I am paying for my {$40.00} a month package to monitor my credit because they have FAILED to do their job- the services like IDENTITY theft I am paying for and XXXX  are not able to be used because among other things EXPERIAN has not rectified the information that is ALREADY on previous filings with CFPB PENDING and complaints I filed with them and did nothing. Currently I am on the phone with a XXXX telling me that the reason the FEAUTURES I pay for are not able to be used because my name is wrong on the system. The XXXX like all FOREIGN BASED XXXX  put you on hold and hang up when it's close to closing time ( like they did again just now ) Experian 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 an 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 non-monetary relief
Consumer complaint received 2023-12-15
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'm sending this complaint to request credit inquiries that were unauthorized to be removed from my credit report. I received a copy of my credit report and became aware of inquiries that I did not authorize. They are as follows. 
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 2020-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
XXXX XXXX XXXX ( XXXX ) did not have permissible purpose to access my credit report. Thus they could not certify permissible purpose to the CRA 's and XXXX XXXX Section 604 defines permissible purpose - " In accordance with the written instructions of the consumer to who it relates ''. 
XXXX, Transunion, XXXX, XXXX XXXX  and XXXX, circumvented and violated the law by not having written instructions from the consumer to allow accessing credit.

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 2022-11-17
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
- Our tax payments were stolen from the post office on XX/XX/2022 ( we filed a case with the XXXX ) - On XX/XX/2022 we noticed a check clearly made out to the United States Treasury on the front for {$6800.00} was cashed immediately with a signature on the back ( not the government computer generated numbers- we confirmed that the US Treasury did not receive our funds )- We went to XXXX immediately on XX/XX/2022 and as instructed filled out a XXXX page affidavit which they faxed to customer service from that branch - We also closed the account because of the fraud and opened a new account at the same time in which the funds were immediately transferred - On XX/XX/2022 we received a mailed letter from XXXX stating that a claim has been initiated and they were in contact with the bank that cashed the check Wells Fargo. XXXX Case # XXXX XXXX - We have called XXXX multiple times and gone to the XXXX branch twice between XX/XX/2022 and XX/XX/2022 about the status of the claim and just get a call center saying they are 'waiting to hear from Wells Fargo ' XXXX 

- On XX/XX/2022 we received a letter from XXXX telling us that Wells Fargo is responsible for repayment. If after 90 days XXXX does not hear from Wells Fargo, XXXX will close our claim and our funds will not be recovered. - - It should be clear to both XXXX and the Wells Fargo that we have been wronged and that one of the two banks is responsible for returning my {$6800.00} as the Payee of United States Treasury is certainly not a handwritten signature. 

- Wells Fargo has not responded to our bank XXXX. How can it be legal for Wells Fargo to just not answer in order for XXXX to just give up and we are out of funds because Wells Fargo made a mistake and is blowing it off.

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 2023-04-04
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:
In XXXX of XXXX a direct dispute was made to Experian regarding a discrepancy whereas XXXX is reflected on my credit report. I do not have nor have ever had a credit card account with this bank. The account belongs to a relative not me who added me as an authorized user however the credit bureau posted this account without proper data and the bank was never authorized nor issued my social security number and accessed my information without permission which is nefarious. I have a statement from XXXX dated XX/XX/2023 acknowledging proper request to remove my name and they concluded that it was removed. However, upon disputing with Experian credit bureau they denied removal of the account which is a discrepancy and egregiously unprofessional after all the formal steps have been taken and proven. I find Experian to have exhibited negligence in handling this predicament. 

Ive contacted XXXX and XXXX regarding this same incoherent reporting of this XXXX account and it was rectified.

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 2022-11-17
Company: EQUIFAX, INC.
State: SC
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:
The following companies did not reinvestigate the alleged accounts. XXXX  XXXX XXXX. Please send me the original contract with my wet signature, payment history associated with this account, proof of ownership stating that you are in position to collect the debt, XXXX XXXX XXXX XXXX XXXX Please send me the original contract with my wet signature, payment history associated with this account, proof of ownership stating that you are in position to collect the alleged debt since you sold it. XXXX XXXX XXXX XXXXXXXX. Please send me the original contract with my wet signature, payment history associated with this account, the correct balance, proof of ownership stating that you are in position to collect the debt, you have the right of assignment, prove to me that the creditor did not directly partner with you. I demand verification of the original creditors information including their name, telephone number and address. XXXX XXXX XXXX, charged off this account as a profit loss to the IRS. The account is still reporting transactions and experiences, which is a violation of my consumer rights under section 15 USC 1681. Since this account has been written off as a profit loss, I am requesting a form 1099c form- cancellation of debt, since the amount is over {$600.00}. The balance was {$4100.00}. The balance has increased to {$4200.00}. The original charge off is {$4000.00} and the high balance is {$3900.00}. XXXX XXXX XXXX. Please send me the original contract with my wet signature, payment history associated with this account, proof of ownership stating that you are in position to collect the debt, and that you wrote this account off as a loss profit to the IRS. if the balance was written off as {$260.00}, why is the amount due is {$450.00}? XXXX has not updated me with any correspondence. Please send all correspondence to the address that is being provided in this complaint/dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 went to rent a car at XXXX today XX/XX/19 and when they checked my credit since it's a requirement to rent a car there, they told me that I would be unable to rent a car because there are accounts and inquiries reflecting badly on my credit report. None of those accounts/inquiries belong to me nor did I allow anyone to open them in my name using my personal information. I did not benefit anything from these accounts such as money, services, goods or any other benefit and I have never made any purchases or payments towards any of these accounts. I do not have any sort of relationship or contract with any of these companies and I never gave them permission to run or view my credit/personal information. I have already gone to file a police report regarding this very serious matter.

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 2022-01-10
Company: Real Time Group, Inc.
State: AZ
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
Name : XXXX XXXX XXXX XXXX Account : XXXX Address : XXXX XXXX XXXX XXXX XXXX, Az XXXX Am submitting a loss mitigation to recover the payment made to this company. This account was paid on XXXX XXXX, XXXX in full amount. They started off with a mortgage company that went out of business then another mortgage company took it over and then it ended up going to XXXX when I called XXXX which is now XXXX mortgage to find out what the total payoff was they did not have records of no account and were going to do a research. Now XXXX mortgage sent me a letter with the account number and information stating it was XXXX and went to real-time resolution which was paid back in XX/XX/XXXX. So we were not aware of this and house still had a lien on it. So as we were trying to sell our house on XX/XX/XXXX we called Real time resolution to find out more information and to see if they would settle half way on payment or how could we get the title lien release as we were in a crisis to sell our house. And no compromising or luck. Instead we were charged {$42000.00} and XXXX in interest so we paid a total of {$120000.00} in order to have our house sold and release the title. So we submitted a complaint to XXXX XXXX XXXX  and they responded back saying for us to get a hold of real time solution and speak to the main manager and submit a loss mitigation. we have not had any luck with a manager or a higher management. we do not understand why we are getting charged for a second loan as We were advised by XXXX, which is now XXXX Mortgage that the loan has been paid back on XX/XX/XXXX, XXXXwe are ready to get an attorney to settle this in court with real time resolution or XXXX XXXX as XXXX mortgage no longer exists.we need some resolutions soon This was not a fair act or service. Please respond and see all paperwork attached. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX Cell ( XXXX ) XXXX Home New mailing address XXXX XXXX XXXX XXXX XXXX, AZ XXXX Sold property address XXXX XXXX XXXX XXXX XXXX, AZ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: Experian Information Solutions Inc.
State: NJ
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 act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681section 602 A states I have the right to privacy 15 USC 1681 604 A Section 2 it also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 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 then records of conviction of crimes antedates the report by more ten years 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a 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 non-monetary relief
Consumer complaint received 2023-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was received an emailed about my information being in the XXXX data hack so I pulled my credit reports and found there were multiple accounts that are inaccurate and should not be on my credit report. I understand mistakes happen but this needs to be fixed expeditiously because these accounts are damaging to my credit report and I dont have the luxury to just wait around and let the problem fix itself by your agency. Under 15 U.S. Code 1681e ( b ) ACCURACY OF REPORT : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I know that under 15 U.S. Code 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have attached a copy of my ID for identity verification and a bill for address verification.

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 2023-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am very disturbed to find public records on my credit report without any apparent reason, and I can not tolerate this. I request you to eliminate these records and update my credit report accordingly.

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 2017-12-17
Company: Nelnet, Inc.
State: SC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I attended XXXX XXXX in XXXX ... .basically over the years my account was sold to several companies ... and the interest rates are high on the account ... .I 'm currently unemployed and struggling ... ..I ca n't afford what they are asking me to pay each month.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21
Company: Affirm Holdings, Inc
State: FL
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
To Whom This May Concern ; The organization known as Affirm uses very unethical and manipulative tactics while they employ very unprofessional individuals as it pertains to their installment loan tactics. This includes their " supervisor '' being verbally abusive, unprofessional, and using threatening language while stating very untrue facts. Allow me to explain : I had called this organization during the week ending XX/XX/XXXX inquring as to why my XXXX XXXX loan had been charged off. After asking for the call to be escalated due to a very rude CSR, I got this Supervisor on the phone whom utilized very condescending and unprofessional verbiage while stating untrue facts stating there were emails sent warning me of an impending charge off ( NEWS FLASH! NEVER WAS SENT ) When i stated that i had previously called and let them know i was struggling, this organization stated not their problem and nothing could be done to help. 

As such, I have emailed the organization thru their website a formal Dispute of Validity as it pertains to their claims as I am permitted to do under FLA Statute 559.72, which deals with 1st party debt collectors such as Affirm. The supervisor thought i was joke and all but came out and said even after i stated i could retain a XXXX bar certified debt collection atty to see what civil remedies I have available due to the blatant harassament of this supervisor.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
EQUIFAX IS WRONGFULLY REPORTING A NOT VALID COLLECTION ON THE REPORT. I DISPUTED WITH ALL BUREAUS XXXX AND XXXX DID REMOVE BUT EQUIFAX KEEPS MAILING " ACCOUNT WAS VALIDATED AND ACCURATE '' STATEMENTS WHICH ARE FALSE - SEE ATTACHED EVIDENCE. XXXX XXXX NEVER CONTACTED OR NOTIFIED OF THIS COLLECITON. COULD NOT VALIDATE, AND XXXX THE ORIGINAL CREDITOR SUPPOSEDLY, THEY COULD NOT EVEN FIND THIS ACCOUNT. I HAVE ALWAYS BEEN IN GOOD STANDING WITH XXXX THERE IS NO PAST DUE DEBT, THIS COLLECTION IS IRRONEOUS AND SHOULD NOT BE ON THE REPORT. 
EQUIFAX IS IGNORING MY REQUEST, XXXX STATED THEY ARE NOT REPORTING BUT EQUIFAX STATED THEY VALIDATED ... HOW CAN THEY VALIDATE AN ACCOUNT THAT DOES NOT EXIST ....

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: Westlake Services, LLC
State: NC
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:
After reviewing my credit profile on XX/XX/2023 | identified a discrepancy with account listed under WESTLAKE FINANCE and validation was requested as this was an account that I did not recognize. I reviewed my credit report again on XXXXand the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a XXXX validation letter was sent out on this day. After reviewing credit report again on XX/XX/2023 there have been no updates and account is still reflecting on the report. I do not believe the account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct. 

I wrote to XXXX, XXXX, and XXXX requesting an investigation of the following accurate accounts reporting on my credit report 30 days ago The credit bureaus claimed that they have completed a reasonable investigation with the furnisher of the account and venfied 100 % that the accounts listed below are accurate. However, the accounts are continuing to report errors on my credit profile, which is causing damage to my credit score.

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