BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-29
Company: Fidelity National Financial, Inc
State: MO
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:
On XX/XX/XXXX FNF Servicing pulled my credit. I did not authorize this. They are part of XXXX which holds my ex husband 's mortgage which was included in a Bankruptcy in XXXX. They purchased the mortgage from XXXX XXXX. The mortgage was never foreclosed on because we had continued to pay. The mortgage was purchased by 4 different companies since XXXX. When XXXX purchased this, they started reporting on my credit report which is illegal because the debt was already discharged. Then in XXXX, they pulled my credit without my approval. I contacted them to correct both the credit reporting of payments and the pulling of my credit. They removed the payment reporting but not the hard inquiry off my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The account XXXX/XXXX is not my account. The account does not belong to me. This means that I was not the person which had this account with XXXX/XXXX. XXXX XXXX XXXX has reported this account to my credit report but this account was not opened by me. I did not give authorization for anyone else to open this account. Therefore the XXXX/XXXX account must be deleted from my credit report.

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 2021-02-22
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Have not received enough information to verify the following debt. I was never contacted or received any letters by the original creditor listed that a closing balance existed. I have paid all balances with the original creditor per notice.HELVEY AND ASSOCIATES have placed a collection on my profile for the amount of XXXXI have attempted to resolve this issue multiple times with this company. This inaccurate reporting has interfered with my ability to get approved for certain financial products such as car loans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03
Company: Selip & Stylianou, LLP
State: NJ
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:
Sent mutliple letters and faxes to company as means for debt verification and have not been given a response back from them.     Company however is attempting to sue 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 explanation
Consumer complaint received 2021-02-22
Company: Holloway Credit Solutions
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Holloway Credit is reporting an account on my credit report. I had not previously received anything from them. I mailed a letter requesting verification and validation of the account. The company then mailed me a bill with a statement stating that I have 30 days from the date of the letter, which is dated XX/XX/2021 to dispute the validity of the debt. However, the account was reported on my credit report before this notice was sent to me. The most recent reported date on my credit report was XX/XX/2021. I sent the letter requesting validation to the company on XX/XX/2021. Only at this time did the company send me the notice that was supposed to be sent to me before they reported this account on my credit report. I have attached the bill with the statement from the company with the date XX/XX/2021 circled. I also attached a document showing where this account was last reported on my XXXX  credit report on XX/XX/2021. I know that this is a violation as the company is required by law to send this notice of the right to dispute and ask for validation before reporting anything on my credit report. 

Also, as I was submitting this dispute, I saw an option that states the company 's letter did not state that this is an attempt to collect a debt. The letter from the company does not have this statement on it either. So, this is another violation. I could only select one option on this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-24
Company: EQUIFAX, INC.
State: NE
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:
They are reporting a collection account in the amount of {$220.00} with XXXX XXXX. I have advised them that this is not my account several times. I have disputed this collection account several times with the credit bureau. They are still reporting this inaccurate information on my credit report. The other credit bureaus have updated my credit report and are no longer reporting this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-30
Company: NCMI Corporation
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
when I called to pay the amount of XXXX due today XXXX18 as documented they refuse and said the payment was now XXXX dollars more. they refused to take my payment so I contacted to the hospital where the bill was from XXXX who did take the original amount of XXXX paid in full to them not the collection agency who refused to take the amount that the sent out to a letter to me on. I do have documentation o this and recorded phone calls to back my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-30
Company: WELLS FARGO & COMPANY
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
About 30 years ago I opened an account with overdraft protection with Wells Fargo Bank. 
Last year there was a overdraft on a check. The Bank never told me they were opening a credit card account for that overdraft. that was charging the maximum amount on the overdraft, interest and fees. A statement came in the mail about two weeks ago ( the only one sent ) saying we owe almost 2400.00 dollars to the Wells Fargo credit account which I didn't know about. The bank was doing automatic transfers out of our account to the credit card until now. I talked to a XXXX XXXX in Customer Service about this and he asked didn't Wells Fargo Bank tell you that they were opening and account in your name? XXXX was not aware of this account until now. XXXX XXXX told my husband and me that someone will call us tomorrow from Wells Fargo credit card. I talked to XXXX XXXX XXXX @ XXXX She Opened up a claim on XX/XX/2018 The claim was about this account my wife was not aware of. XXXX XXXX XXXX said she would get back to my wife and with the decision tomorrow. That XXXX XXXX XXXX would call by noon. But I was anxious after XXXX XXXX came and went. I called and a XXXX XXXX answered the phone saying XXXX XXXX was out for the day. XXXX XXXX said call on Monday.

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 2017-08-03
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
I went into a XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX the other day. While I was there my girlfriend was trying on rings, the manager pulled me to the side and told me he could do a quick check to see what kind of financing I would qualify for when the time comes. He clearly advised me this was not an application for credit, but a means of seeing how much credit I could be preapproved for. I even double checked and was clearly assured by XXXX XXXX and XXXX that this was not an application for any type of credit and would not cause a hard pull on my credit report. It turns out they were both knowingly lying and filling out a credit card application on my behalf, XXXX XXXX even exaggerated my income and put down {$3000.00} per month after I stated {$2500.00}. This is an unfair and deceptive practice, at no point did I have the opportunity to see the terms of the product I was applying for as I was repetitively assured that I was not applying for anything. This experience exhibits the exact practices that UDAAP and Regulation Z aim to eliminate.

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 2018-03-30
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was formerly a XXXX  customer and decided to switch to XXXX in XX/XX/XXXXor XX/XX/XXXX. Then I contacted XXXX  via cellphone stating that I canceled my insurance and showed proof via email that I was a XXXX customer ( the representative told me that if I didn't show proof that I switched then I would be charged which I promptly did. The representative then said that I didn't have to pay any amount because I called in to cancel and that I was already insured. ) Now I was getting strange phone calls and emails stating that indeed I owed them money for cancelling or I didn't show any proof of insurance. I now have no vehicle because it was totaled in an accident and we are currently involved in a lawsuit because I have XXXX and the other person involved has XXXX   insurance.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12
Company: DISCOVER BANK
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
I contacted Disciver to get replacement cards. Discover notified me of the cards being produced and in transit. The cards arrived. I had to call to activate the cards. Upon calling today, XXXX XX/XX/2018 at XXXX, after a lengthy hold, they informed me they closed my account " due to inactivity. '' I GOT REPLACEMENT CARDS TO USE THE CARD, THEY SENT ME THE CARDS, THEN SAID IT WAS INACTIVE WHICH WAS THE VERY REASON, ON MY OWN, I WANTED THE NEW CARDS. I believe there just has to be something more here like age discrimination or job discrimination. I have an XXXX FICO 8 credit score -- KNOW VIA THEIR OWN WEBSITE!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
please correct the ftc violations and FCRA vioaltions correct the late payment with XXXX XXXX and fixed the collection FTC vioaltion not mine remove all the names

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 2018-03-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
Closure Date : XX/XX//2016 Charge off Amount : {$1000.00} I contacted them to understand the charges but they refused to disclose the information and said it was sent to collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25
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: Information belongs to someone else

Complaint:
I received a copy of my credit report and I am disputing some items that need to be deleted. The reason why these items should be deleted is due to I have not authorized the following accounts below. The Fair Credit Reporting Act Section 609 [ 15 USC 168Ig ] bureau should send me all application being denied according to the provision Section 612 ( b ) [ 15 USCj ( b ) ] meaning there should be no charge for this information. Accounts : 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 2020-12-01
Company: Experian Information Solutions Inc.
State: IN
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 SEVERAL ISSUES WITH MY CREDIT REPORT SEE LIST ON ATTACHED XX/XX/XXXX ' MY NAME AND ADDRESS HAS ERRORS AND WRONG PREVIOUS ADDRESSES NOT FACTUAL

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 2020-12-01
Company: EQUIFAX, INC.
State: IN
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 SEVERAL ISSUES WITH MY CREDIT REPORT SEE LIST ON ATTACHEDXX/XX/XXXX ' MY NAME AND ADDRESS HAS ERRORS AND WRONG PREVIOUS ADDRESSES NOT FACTUAL

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-04
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
On XX/XX/2017 my wife and I went to look into purchasing a XXXX XXXX XXXX at the XXXX dealership in XXXX. The sales man showed us a white XXXX XXXX XXXX. We listened to the sales man and after negotiations back and forth he came up with an out the door price of {$30000.00}. We agreed to that price as the agreed upon price. He showed us this amount on a white piece of paper that he kept and did not give us a copy of, we didn't even get a chance to see the interest rate since we just got a chance to glance at it. At the moment, we didn't think much of it. We were okay with the XXXX price. When we went into the office to sign paper work the lady who did the paperwork said that her printer was not working fast enough and that she would just show us the paperwork on the computer and that I sign on the electronic pad. On the final paperwork it said that the agreed upon value is {$31000.00}. My wife told her that the amount on the paperwork was wrong and she said it was not because they would just write down that we gave a down payment of XXXX. My wife said that it was not true. She said that it was just a good deal that they had to put a value there but that we were just going to have to pay XXXX dollars in cash and not what it said in the paperwork. I was confused but she said to just sign and that we were still going to get a good deal. We thought this was true at the moment but after having someone else look at the paperwork and learning more about leases we learned that the XXXX XXXX XXXX XXXX is engaged in illegal practices in order to generate higher revenues. They changed the numbers around so that the capitalized cost of the vehicle would be higher and that our monthly payment would be higher as well. They also kept the paper that gave us the quoted amount and didn't disclose the interest rate to us. This is discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
I went into a XXXX XXXX XXXX at XXXX XXXX XXXX XXXX Bldg XXXX XXXX, Ga XXXX the other day. While I was there my girlfriend was trying on rings, the manager pulled me to the side and told me he could do a quick check to see what kind of financing I would qualify for when the time comes. He clearly advised me this was not an application for credit, but a means of seeing how much credit I could be preapproved for. I even double checked and was clearly assured by XXXX XXXX and XXXX that this was not an application for any type of credit and would not cause a hard pull on my credit report. It turns out they were both knowingly lying and filling out a credit card application on my behalf, XXXX XXXX even exaggerated my income and put down {$3000.00} per month after I stated {$2500.00}. This is an unfair and deceptive practice, at no point did I have the opportunity to see the terms of the product I was applying for as I was repetitively assured that I was not applying for anything. This experience exhibits the exact practices that UDAAP and Regulation Z aim to eliminate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been trying to rectify my credit report due to 3 accounts listed on my credit report that does not belong to me. For almost 8  months of constant communication with Equifax my disputes keep coming back saying it was verified as me. On XX/XX/2019 I mailed in evidence that three accounts held by XXXX in the amounts of {$220.00}, {$130.00} and {$150.00} to Equifax proving that those accounts are under a different name and should not be reporting on my credit report. I am still awaiting a response from my last complaint. However, I received notice from Equifax on XX/XX/XXXX that they have deleted only one account. All three accounts are under the same name yet Equifax only deleted one. I would like to have this further investigated as I am uploading the evidence for the corporate department.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my report. 

XXXX XXXX XXXX {$390.00} XXXX XXXX XXXX  XXXX {$1000.00} XXXX XXXX {$1100.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$880.00} XXXX XXXX XXXX {$4100.00} XXXX XXXX XXXX XXXX {$690.00} XXXX XXXX XXXX {$350.00} XXXX XXXX XXXX XXXX {$510.00} XXXX XXXX   XXXX {$130.00}

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 2020-12-01
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report and it is now over 40+ days later and I have not received a response yet. I feel as though I am being taken advantage of and my disputes are being ignored. Section 611 ( a ) plainly states that failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been long over 40 days so they should be deleted prompted. I demand these accounts be deleted immediately or I will file for litigation due to the stress I have been caused. My information was also impacted by the Equifax data breach and may have gone into the wrong hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
I went into a XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX the other day. While I was there my girlfriend was trying on rings, the manager pulled me to the side and told me he could do a quick check to see what kind of financing I would qualify for when the time comes. He clearly advised me this was not an application for credit, but a means of seeing how much credit I could be preapproved for. I even double checked and was clearly assured by XXXX XXXX and XXXX that this was not an application for any type of credit and would not cause a hard pull on my credit report. It turns out they were both knowingly lying and filling out a credit card application on my behalf, XXXX XXXX even exaggerated my income and put down {$3000.00} per month after I stated {$2500.00}. This is an unfair and deceptive practice, at no point did I have the opportunity to see the terms of the product I was applying for as I was repetitively assured that I was not applying for anything. This experience exhibits the exact practices that UDAAP and Regulation Z aim to eliminate.

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