BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-28
Company: EQUIFAX, INC.
State: TN
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 a victim of identity theft. I reviewed my credit report and found the following accounts that I did not open reported on my credit file. I did not open any of the accounts collections agencies are collecting for. 

XXXX  - Balance {$97.00} XXXX  XXXX / XXXX XXXX - Balance {$2200.00} XXXX XXXX XXXX - Balance {$860.00} XXXX XXXX - Balance {$2300.00} XXXX XXXX - Balance {$2600.00} XXXX XXXX  - Balance {$1700.00} XXXX XXXX - Balance {$820.00} XXXX XXXX XXXX - Balance {$790.00} XXXX - Balance {$1200.00} The following addresses on my credit file are not my addresses : XXXX XXXX XXXX XXXX XXXX, TN XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Today I login to myequifax.com and attempted to get my credit score. I was not able to view my credit score even thought Equifax website said I can view my credit score for free. Last month Equifax advised they were sending my credit score through the mail. It never came probably because they can not pull it. I am considering taking legal action against Equifax they have denied me my right to make a living.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17
Company: TrueAccord Corp.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
This company continues to email my mother who is not on the account. Within the email it includes my name amount owed and other details regarding my business with them. I have requested for them to stop yet they continue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: Experian Information Solutions Inc.
State: IL
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 asked for this to be removed off my credit reports and nothing has been done. It says that I lived at XXXX XXXX XXXX XXXX. XXXX IL and XXXX XXXX XXXX XXXX. XXXX XXXX XXXX IL XXXX XXXX and XXXX XXXX XXXX XXXX XXXX IL XXXX I never have and the City of XXXX is doing this to me I've tried to get to the Mayor XXXX XXXX because of the scandal that the City is doing to me and placing this on my credit report. I've never worked at XXXX, I've never had XXXX nor XXXX nor XXXX XXXX they also had me paying for parking tickets that were not mine.

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 2018-09-18
Company: WELLS FARGO & COMPANY
State: MN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I have been contacting Wells Fargo Office of the President for the last 3-4 months trying to get a letter from them. The dates are : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( 3 times because they kept transferring my call to someone else and/or hanging up ), XX/XX/XXXX and today XX/XX/XXXX ( 2 times ... counting the time the branch manager at Wells Fargo called requesting a payoff amount for the vehicle that was charged off ). Me and my husband is in the process of purchasing a home and our closing date was set for this week but unfortunately, we have to extend it because Wells Fargo Dealership Services and the Wells Fargo Office of the President group won't accept a payoff nor will they update my credit report to reflect being a closed account with a charge off. 

On the credit report it is incorrectly reporting to all bureaus ; mainly XXXX because my lenders are a branch of them. It states that the account is charged off but it also is posting as an active account showing that I am late each month. Also, the branch manager at the Wells Fargo located on the XXXX of   XXXX stated that the payoff amount quoted is {$0.00} because the account is past the statue of limitation but their intention is to keep a balance showing on my credit report of {$5900.00} to keep us for qualifying for the home loan. 

As I continued talking to the customer service representative ( s ) for Wells Fargo Office of President, I asked if they could remove the disputes from my credit report and give me a letter to present to my mortgage lender noting that they are working on removing and clearing them off. This account as wells fargo mentioned is past the statue of limitations too. It should have been removed a long time ago! 

In addition to how Wells Fargo is reporting on my credit report, they were sued by the courts and had proposed to remediate auto loan customers of Wells Fargo Dealers Services who may have been financially harmed due to issues related to auto Collateral Protection Insurance ( CPI ) policies. I attached that letter for your review. I was one of the customers impacted by the incident. On the second page of the attached document and the last paragraph on that page it notes that Wells Fargo will work with the credit bureaus to correct customers ' credit records.

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
Consumer complaint received 2021-10-18
Company: EQUIFAX, 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:
I WAS CHECKING MY CREDOT REPORT AND i REALISE THAT MY CREDIT SCORE IS LOW. I DONT KNOW WHY YOU PUT THIS INFORMATION ON MY ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, 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:
XXXX XXXX called us about a credit card account inquiry last week. They didn't open it because it didn't seem right and they couldn't verify the information. We told them we didn't apply for a XXXX XXXX so they said they would remove the inquiry. They gave us a reference number XXXX. 

We called to ask when they would have it removed and they told us probably within 90 days. They sent us a letter with a reference number on it. Telling us to place a fraud alert on our report. Which we dont want to do because we are going to get a Business Loan and Mortgage right now. 

We have been bounced back from XXXX to Each Credit Bureau saying to call the other one etc. We just want this off her credit report asap.

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 2021-01-30
Company: JPMORGAN CHASE & CO.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I called customer service to dispute charges and get a new card shipped to me and fix all the fraudulent charges that werent mine on the card and this guy was asking why did I want to dispute them and he asked for my social security number and birthdate and then he hung up the phone and the next day my account was closed and no card was shipped out and no reason was explain and I never owed chase and I paid my bills on time and everything so Im not sure why this happened to me other then the guy doing illegal things to my account in my opinion

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I have sent disputes to 3 credit bureaus against some inaccurate items on my credit report and i haven't received a response

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 2020-11-22
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Equifax reached out to the US Dept of edXXXX, which has been reported on my credit report since XXXX. Equifax recently provided them with my email address of which I am being harassed. As of today, my FICO score was dropped XXXX  points due to payments on this account not being made. US Dept of Ed, stopped these payments themselves due to the Pandemic, stated in an email sent to me on Saturday, XX/XX/XXXX. 
If the US of ED, stopped taking payments because of the pandemic, why on earth did they report this account 120 days late. 
Also, on XX/XX/XXXX and XX/XX/XXXX, activity by XXXX  XXXX was reported to Equifax, for charges that were pending on my account from a purchase made at XXXX late the evening before. When I called Equifax on XX/XX/XXXX, the representatives stated that XXXX XXXX provided them this information. Under FCRA, card usage done by debtor can't be reported until the billing cycle, mines is the XXXX of each month, yet Equifax had access to my shopping in XXXX, transaction still pending, to which my credit score was reduced XXXX points on XX/XX/XXXX, the following day after the purchase was made. Also, I made payments to this account to decrease the balance, before my billing due date, this information was not reported or updated, nor did it increase my credit score back to the previous score after losing XXXX points. It is also fair to note that XXXX XXXX would not allow me to make a payment, because my transaction was still pending and my balance was still low, too low for them to allow me to make a payment. How did Equifax get a hold to this information? 
Last but not least, XXXX is reporting inaccurate information, has failed to update, information, that the account was sold to a collection agency, when and the amount it was sold for, in addition to providing the name of the new account holder, and keeps reporting this information as verified. on XX/XX/XXXX, I sent a certified letter, asking XXXX to validate this account. It is now XX/XX/XXXX and XXXX XXXX has failed to validate any updated information. XXXX sold this account which means they no longer own the debt, but they are refusing to update my credit report or respond to me directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24
Company: Forster & Garbus LLP
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Foster & Garbus has repeatedly tried to sue me for old debts that I can prove that I paid. In XXXX they sued me and I won the case. This second attempt to sue me was not done properly. First they called me at least 5 to 7 times a day. In XX/XX/XXXX I contacted their office to ascertain why they were calling this number again and they claimed it was still in their system. It was during that conversation they claimed they would send out documents stating that I owed money. I never received anything in the mail or in person. On XX/XX/XXXX I contacted their office after receiving a Judgement letter from the State of New York. Ms. XXXX stated that I was served, and papers were given to a family member. This is not true. I was never served and I live alone. I feel as though this law firm is harassing me for old debts that has been charged off and every method was done to pay it off. I have been in tough with the original owners of the debt. The account was closed and reported to the IRS of which I paid taxes. What they are doing is not legal and now I have a judgement against me, and I must defend my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-06
Company: Prosper Marketplace, Inc.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation.

2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information.

3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile. 
I respectfully request each investigation to be reported to XXXX, XXXX and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. 
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 2020-05-26
Company: Social Finance, Inc.
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
On XX/XX/XXXX, I went to XXXX to get pre-qualified for a loan. I pre-qualified for an offer from Sofi. I then proceeded through the application on Sofi with the same information and was initially denied. I tried again with the exact same information and got a quote that was 200 basis points higher than the XXXX  offer. I reached out to Sofi and was told to proceed with my application and that they would attach the XXXX  offer to it. Therefore, I proceeded with the application and had my credit pulled. After that, I was told that Sofi would not actually price match the XXXX  offer. Again, I provided XXXX and Sofi the exact same information. Sofi told me that they might be able to reduce the rate, and came back with a 0.125 % reduction. Despite the fact that XXXX was a pre-qualified offer and I provided the same information to Sofi, my rate ended up being higher and I was misled into submitting my application by being told the XXXX offer would be attached. Sofi also emailed me back using the wrong name, which was concerning, but I assume an accidental oversight on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-10
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I have reached out and disputed with XXXX, XXXX, and experian about these accounts on my credit report with XXXX these accounts should be removed. XXXX XXXX is showing a balance of XXXX opened date X/2012 this information is not accurate and should be removed. There are open collections that were removed and recently added and that is against the law, was not notified. Those accounts are with XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX. I do not have any signed contracts with these companies. Therefore, unless you can provide me documentation from these companies with my signature they need to be removed as they once were before. XXXX XXXX is a closed account as well that was deleted about 1.5 yrs ago and has resurfaced. I have filed a police report on the inquiries that I did not authorize. I have tried to contact bureau but they keep telling me contact company. The company tells me to contact the bureau. I have not applied for or authorized use of my report in the last 2.5 years. Inquiries listed below. XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, REGIONAL 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 Some of these companies have more than 1 inquiry. Someone had accessed my file why would I apply 5 times with same company in less than 6 months? I have disputed this several times with no results from them. Please help, I didnt file a bankruptcy to have the same things on credit or to be a victim of identity theft and be held responsible. My next step will be filing a lawsuit. Thank you.

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 2021-01-30
Company: CREDIT ACCEPTANCE CORPORATION
State: TX
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:
The collection lady removed my cell phone number and mentioned unlimited collecting calls, so scared this compamy will reposses the vehicle. 
XXXX the supervisor mentioned it would not happen, please help

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 2020-01-21
Company: EQUIFAX, INC.
State: WY
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 ; XXXX  and XXXX  are reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX partial account number XXXX and that I am ( 60 ) days late on the XXXX XXXX partial account number XXXX. ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account that has a {$0.00} balance. This false reporting of lates is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-22
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
USAA RESOLVES FRAUD BY CONFIRMING IT DID NOT EXSIST.!!! See attatched USAA letters VERIFY USAA CREDIT CARD FRAUD CHARGES ***** If you still believe these charges to be fraudulent NO FURTHER ACTION IS NEED and We Will Continue to pursue this claim as fraud on your behalf**** of XX/XX/XXXX, {$49.00} XX/XX/XXXX, {$10.00} XXXX XXXX XXXX XXXX XX/XX/XXXX, {$12.00} XXXX & XX/XX/XXXX {$12.00} ( **USAA HAS NEVER PROVIDED CREDITS I ASKED FOR A REVIEW AND USAA SAYS DID NOT HAPPEN*** ). see attatched XX/XX/XXXX REVIEW OF YOUR FRAUD CLAIM IS COMPLETE *** No FRAUDLENT Activity Found After Review of Your Claim. ***??? How can there be No Fraudulent Activity when LETTERS XXXX XXXX ARE OF FRAUD TRANSACTIONS NEVER RESOLVED BY USAA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation