BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-07
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: Information belongs to someone else

Complaint:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20
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: Information belongs to someone else

Complaint:
This account is not mine. I have called them numerous times to demand validation of the said account and get it closed because I do not want to mess up my credit, but they give me the runaround every time and have never received any validation. I have disputed this but had no resolutions. I was defrauded and scammed. The account was not to be opened and not to be reported. I have requested numerous times for the account to be closed. They specifically failed to validate a debt as I requested, which is a Fair Credit Billing Act violation. I am seeking a reasonable resolution to this situation. Their lack of response for mutual negotiation or the validation of this account, has not been completed. This account is to be updated as disputed or to be deleted from the credit reporting agencies due to the damage to my character during this account dispute. The company has willfully neglected my requests and have caused continual damage to my finances. They violated the Fair Credit Billing Act, and Fair Credit Reporting Act for the purpose of causing harm. The mental and physical health is under attack by the XXXX of this companies ' actions. They harass me and my family by threatening statements and constant calls. This is a scam & I was defrauded, I demand this to be thoroughly investigated promptly. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act. This inaccurate account is being reported in my credit records and is hurting my financial stability.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-01
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
I have noticed many inquires on my report that i have not given authorization for and have no knowledge of these companies. I have called to request them to be removed because i have no knowledge of them and they have refused to remove them. They are on all 3 credit reports as well

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 2022-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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, XXXX XXXX, am submitting this complaint without any assistance from any third party. Attached below is my FTC Identity Theft Report and my full complaint. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft : XXXXDOFED accounts opened XXXX/XXXX/2016

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 2022-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
I contacted XXXX Disputes on XXXX XXXX. 
I contacted XXXX XXXX XXXX I contacted XXXX XXXX XXXX The following are *UNAUTHORIZED INQUIRIES This is inaccurate information on my credit report XXXX XXXX XXXX  INQUIRY DATE : XXXX XXXX XXXX XXXX XXXX XXXX INQUIRY DATE : XXXX XXXX XXXX XXXX XXXX XXXX INQUIRY DATE : XXXX XXXX XXXX INQUIRY DATE : XXXX XXXX XXXX INQUIRY DATE : XXXX XXXX XXXX XXXX INQUIRY DATE : XXXX XXXX XXXX XXXX  INQUIRY DATE : 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 non-monetary relief
Consumer complaint received 2018-01-13
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
There are many mistakes appear in my report without my understanding.

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 2018-01-13
Company: Accelerated Financial Solutions, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XXXX XXXX, XXXX, I received an alert through my XXXX credit monitoring app that Accelerated Financial Solutions had placed a new account on my credit report. This account says it was opened on XXXX XXXX, XXXX with XXXX, which is not true. This is an account that has been previously disputed by me, and it does not belong to me. It was removed from my credit report approximately a year ago but has now reappeared.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-01
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
XXXXXXXX XXXX client XXXX XXXX is an identity theft victim ; his information was used twice to apply for a Kohl's/ Cap One account. The first time XX/XX/XXXX and the second time XX/XX/XXXX. A formal dispute was mailed to Kohl's/ Cap One fraud department XX/XX/XXXX concerning these fraudulent inquiries however as of this date Kohl 's has not responded as is their responsibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-01
Company: JPMORGAN CHASE & CO.
State: MD
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My HELOC with CHASE allowed me to change to a fixed rate versus a variable rate I called CHASE in 2015 and they refused to allow me to change to a fixed rate although my contract clearly allowed me to do it Also CHASE refused to allow me to use my HELOC saying that my house was worth 1/2 of the value when the HELOC was established The facts are : 1 ) my  HELOC allowed me to change to a fixed rate ; 2 ) my house is worth twice what it was when the HELOC was established I have tried to work with CHASE, as they have requested based on the complaints I have filed with the Officer of the Comptroller of the Currency However, when I call them it says '' please hang up '' or it sends me to voice mail and no one calls me back I need your help, as I am convinced they are committing fraud by forcing me to pay them more each As the variable interest rate has gone up over +1 % since 2015 This could be as big as the fraud committed by XXXX XXXX in forcing customers to buy and pay for things they never requested Please help us as we are retired and live on our social security and dividends from savings and I also teach at class in economics at the local college The constant rise in our HELOC, when our contract allows for a move to a fixed rate, payment is unfair and CHASE is taking advantage of us Without your help the fraud will continue and our payments will continue to increase XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-01
Company: ENCORE CAPITAL GROUP 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:
I received a letter from a debt collector whom i do n't have a contract with or never had any dealings with, I tried to call and clear up the matter on XX/XX/XXXX and was hung up on several times. On XX/XX/XXXX this was place on my credit report. This is not my debt and this should be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hi, my XXXX XXXX XXXX. I am Reaching out today to have the following negative items removed from my credit report. The items I need removed are listed in the report attached. I have notified the companies that I did not make the charge. I ask that these items are deleted from my report in order to correct my credit file. These fraudulent changes are showing negative results on my credit report. I reported the theft of my indentity to the identity theft affidavit. Please remove these items as soon as possible.

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 2021-10-25
Company: PORTFOLIO RECOVERY ASSOCIATES 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:
There is a collections amount of {$2300.00} from XXXX XXXX  that does not belong to me. The account number as shown is XXXX. In a previous complaint the account owner indicated they would mark this account as DISPUTED, however this is an error and the account should be REMOVED.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-01
Company: AES/PHEAA
State: MS
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
XXXX XXXX XXXX turned over a loan for collection to the XXXX  XXXX XXXX  XXXX on XX/XX/XXXX that they claim I owe from XX/XX/XXXXin the amount of $XXXX. They have only contacted my mother, the cosigner, via mail for the first time on the first week of XX/XX/XXXX regarding this loan and I have yet to receive any information at all. My mother is still currently making payments on a loan for the exact same amount, also originally owned by XXXX XXXX XXXX, that was turned over for collection to XXXX XXXX XXXX in XX/XX/XXXX. I was made aware of this issue when I checked my credit report and found this loan for $XXXX posted to my report that was opened XX/XX/XXXX. My mother has contacted American Education Services , who I have multiple student loans with ranging in years from XX/XX/XXXX-XX/XX/XXXX when I attended college, She asked them for a promissory note for this loan along with any other information verifying the validity and they keep informing her that they are working on it. She has also contacted XXXX XXXX XXXX via a phone number on the letter and requested the same information to which they responded she will receive it in the mail within thirty days. The letter also stated that she had thirty days to dispute the validity of the claim before they pursued other actions to collect this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-11
Company: First Technology Federal Credit Union
State: OR
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I am trying to remove myself from a joint savings account that I am on with my ex-husband. I am being told that I do not have authority to do so without his signature. He will NOT cooperate. I do not need the account closed I just need to be removed before he stacks up fees that I will be liable for because he will not pay fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25
Company: EQUIFAX, 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 recently looked at my credit report and found errors/things that don't belong to me on it. I disputed the errors, but they did not remove them from my credit report. 

XXXX XXXX XXXX for {$5400.00} does NOT belong to me and I want it removed from my credit report. 

XXXX XXXX XXXX XXXX for {$48.00} does NOT belong to me and I want it removed from my credit report. 

How is it that credit reporting agencies can put whatever they want on my credit report?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27
Company: I.C. System, Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Around XXXX of 2019 I had a collection placed on my account from a company called XXXX. XXXX reported that they were collecting for XXXX XXXX XXXX. Well after speaking to XXXX corporate office ( XXXX XXXX is no longer open and was bought out by XXXX ) the account was deemed fraudulent and was removed. I've never had XXXX XXXX nor did I authorize anyone to open an account in my name. The account was removed from my credit reports XXXX XXXX. Now a company called IC Systems is reporting the same debt on my credit files. I wasn't even notified before they placed the debt on my credit reports. I spoke to a representative who informed me they have a PO Box on file. I informed her I don't have a PO Box . IC Systems is also reporting the account opened with them XXXX of 2019. That is not even possible because the account with XXXX wasn't removed from my credit reports until XXXX of 2019.

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 2017-11-01
Company: ENOVA INTERNATIONAL, INC.
State: MS
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I am on XXXX and the interest on the loan and the payments are too high. I am in hardship and I need a reasonable payment plan I tried talkin to someone but the payment plan included past due payments. The past due payment on top of the regular payment was too much. Its too expensive to have butI needed it at the time.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-01
Company: Renton Collections Inc.
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I got a phone call from this place and told them I would make a payment on the XXXX of XXXX. The lady who called me said that " I BETTER ANSWER MY PHONE WHEN SHE CALLS BACK FOR PAYMENT ''. I found this very threatening and made me feel uncomfortable. 
This phone call was on XXXX/XXXX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09
Company: EQUIFAX, INC.
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have provided XXXX 's with all required documents, ( FTC Identity Theft Report, Police Report, and Proof of Identity ), the company continues to report this information to Credit Reporting Agencies. This has impacted my ability to receive appropriate credit ratings and has tarnished my reputation as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24
Company: Penn Credit Corporation
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2020 To Whom It May Concern : I am asking for this account ( XXXX XXXX XXXX ) Acct No : XXXX in the amount of {$460.00} to be removed from my report. When I moved from my home at XXXX XXXX XXXX XXXX XXXX, WV, I left my security deposit in my son and had the services transferred into his name. I have since paid the past due amount of {$460.00} on XX/XX/2020 ; However, I do not feel that because my son defaulted on his payments the said company had the right to come after me for the delinquent charge. 
I ask you please to help me correct this as promptly as possible. I have attached the receipt ( paid in full ) and if you could please contact me via email at or by phone for confirmation. I would greatly appreciate it. 
Thank You for your time and attendance in handling this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXX - Alleged Account does not belong to me # XXXX XXXX XXXX XXXX XXXX - Alleged Account does not belong to me # XXXX XXXX XXXX XXXX XXXX - Alleged Account does not belong to me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-09
Company: EQUIFAX, INC.
State: VA
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 distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. I dont believe that these account and inquiries are correct, but they are being reported to my credit, and I am trying to make sure everything on my credit is correct. I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11
Company: Remitly, Inc.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
XXXX XXXX XXXX  I transferred {$1000.00} from my XXXX checking account using Remitly application to my mothers XXXX XXXX bank account. They send an email confirming the money will be transferred on Friday XX/XX/XXXXXXXX XXXX 
XX/XX/XXXXXXXX XXXX  my mother confirmed that money was not transferred and I called Remitly. According to them the money was deposited in bank called XXXX XXXX with my mothers same first and last name and the same account number. They said when the confirmation came it said XXXX and not XXXX bank so they will not do anything on their side. I further verified from my side the money went to XXXX XXXX XXXX in XXXX with the same first and last name and same account number and according Remitly the bank will not return the money so they cant do anything. It dint even go the XXXX bank as they claimed and it went to different bank and what in the odds some one with my mothers first and last name and exact account number existed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-13
Company: CAVALRY INVESTMENTS, LLC
State: AL
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:
This complaint is to remove multiple inquiries that I did not approve or initiate. 

XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX AND XXXX/XXXX/XXXX

Company response to consumer: Closed with explanation