BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-18
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
My info " may '' have been impacted by the Equifax breach. I 've done all I can on my part, freezing my credit with all 4 agencies, cancelling credit cards I do n't use, requesting new accounts for ones I do, changed my bank debit card, requested credit reports from the top 3 agencies, called my XXXX funds. Today, I went to sign up for the free one year identity monitoring through Equifax. Upon reading their terms, Equifax still wants to put my info out to third parties and I see no where to opt out except for preapproved deals.. This from a company that was having data stolen from mid-XXXX until XXXX XXXX when America was informed, but not before three top execs sold their stock. 

I am completely frustrated with this company, I called them today to complain but that 's all I could do. 

# 1 : Since my info is now out there forever the credit monitoring should be free for life. 
# 2 : I should be able to OPT out of their third party schemes. They already compromised my info and think it 's ok to sell my info again. 
Ridiculous. 
I did not sign up for their identity monitoring based on those 2 facts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: LEXISNEXIS
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The letters are stated with items and issues.

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 a 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-03
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX. INC appears as a collection account on my credit reports showing I owe a balance of {$730.00} ( shown as {$740.00} on my XXXX, XXXX and XXXX credit reports ). I have called and written letters asking for verification pursuant to the Fair Debt Collection Practices Act including but not limited to Section 807-8. I also asked for verification of the debt that is competent evidence bearing my signature, showing I have ( or have ever had ) a contractual obligation with MCM and/or XXXX XXXX. Both parties are in violation of the FDCPA ; therefore since they have not validated the debt, it must be deleted from all credit reporting agencies immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am filing a complaint over items that are not mine. I have a fraud alert that I thought would stop people from pulling up accounts for business. I have some unknown inquires that I am really confused as to how this keeps happening!!! Please delete the following : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX /XXXX XXXX. I demand to see the name address and ID used to apply for these accounts for business.604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-03
Company: DISCOVER BANK
State: ID
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:
To improve our credit we opened a secured card by sending Discover {$300.00} and getting a XXXX card. After 2 years we received a letter stating that because we had done such a good job with handling the card, we deserved a credit card and our {$300.00} was returned and we were issued a new card. We used the card approximately 3 times when we then received a letter telling us that our card was cancelled because of inactivity on the card for the previous 18 months. We have no way of knowing what is going on.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23
Company: Experian Information Solutions Inc.
State: OK
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:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY 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 2019-11-02
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:
EQUIFAX, AGAIN, SEE THE ATTACHED DOCUMENT FOR IMMEDIATE REMEDY!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I, XXXX XXXX am writing to complaints on wrong information on my credit report. Following Addresses are inaccurate and not my current or correct address : XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX. Following inquiries are on my report that were not applied for by me : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX, 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 The following employers are on my report are not accurate or current : 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 non-monetary relief
Consumer complaint received 2018-05-03
Company: MARINER FINANCE, LLC
State: KY
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:
I had reported Personal Finance Company, now known as Mariner Finance in regards to their handling of a personal loan I had with them. They had agreed that if I paid their offered settlement amount, they would delete ALL negative reporting history and late payments reflecting on those accounts from my credit report. 

I paid the offered settlement amount over the phone after speaking with one of their representatives about what they had offered through their response to my complaint. They agreed that the actions promised would be taken. I made certain to have the rep confirm that the late payments would be deleted from my report right before providing my credit card information to make the settlement payment. She agreed this would happen and so I made the payment. 

Despite all of this, Mariner Finance has lied and did not remove the late history for this account from my credit reports as promised. I have in writing from them where they said this would happen and attempted to dispute this with the credit bureaus and Mariner Finance still refuses to do what they promised to do. Not only that, but they changed the status of the account to a charge-off, after I had paid what they asked. This is completely unethical and horrible treatment of the customer. 

I have attached a copy of their original response to my first complaint that shows where they said they would remove the late payment history.

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 2018-07-23
Company: EQUIFAX, 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:
I am XXXX XXXX XXXX i have never changed my name i have never use any of the alias names on my credit report. Any nanes other than XXXX XXXX XXXX were fraud. Please remove. 
Also i lived at XXXX XXXX XXXX. XXXX, Al . For 30 years i have never used any other address in Alabama. Please remove all alabama addresses but this one. Only a unstable person will have over 20 addresses. Also the social security numbers please remove from credit file. Not mine also the phone numbers as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- OTHER ACCOUNT 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
My credit score is very low because 89 % of my credit is used but this is not true. First, I am disputing the mortgage balance of an additional XXXX that was fraudulently added and second, I've paid down credit cards and this is not reflected on my 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 2020-07-28
Company: Convergent Resources, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XXXX, {$630.00} was reported to the credit bureaus as a collection from Convergent Outsourcing. Ive never done business with this company. Ive disputed the account twice and both the company and the CBs never provided me with a signed contract with my signature. The collection bill is not a validation and I have a right to be provided with proof or it the account needs to be removed.

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 2020-05-29
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: Credit inquiries on your report that you don't recognize

Complaint:
I received a credit monitor alert for things I have no knowledge or applied for. I do not recognize the inquires that are reporting to Trans Union and XXXX. I contacted all agencies about the fraudulent inquiries being reported to my credit report. There was inquiry done by XXXX XXXX on XX/XX/XXXX and by Credit Info on XX/XX/XXXX and I reported both inquiries to Trans Union and XXXX it but it was never removed after both written complaints. I added the fraud alert again for these inquires in XXXX of XXXX with FTC. XXXX and XXXX is still continuing to report these inquiries on my credit report. The inquiries are incorrect and are not mine and are continuing to report on my credit report. I want Trans Union and XXXX to remove the fraudulent inquiries 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 2020-05-29
Company: CREDIT ACCEPTANCE CORPORATION
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 contacted these debt collectors and let them know that I recently obtained my consumer credit file and discovered their agency was reporting alleged debts due and owing. Accordingly my records reflect that they were not, neither have they ever been a known creditor of mine. Therefore I respectfully demanded verification and or validation of any alleged debt pursuant to 15 USC1692g, and 15 USC1681, respectively.

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 2023-03-31
Company: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Hello so I have a business with my uncle and I got my share of money and I ask him to put it into my account via XXXX and he did so when I went to my bank just to take some money out to pay my rent the bank said it was some activity that I didnt know or recall of that was made by me so I told them that it wasnt me after they try to tell me about money my school send to me and it was fraud now I have XXXX dollar in the account and they dont want to give me my money they keep saying it not my money plus they were suppose to close the account and give my money and still havent received it Wellsfargos been keeping my money

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 2020-07-28
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 applied for a personal loan at XXXX today XX/XX/20 but I was not approved. They told me the reason they were not able to approve me for a loan was because there are accounts reflecting negatively on my credit. I looked through my credit report and I saw accounts from these companies that do not belong to me. XXXX, XXXX  XXXX, XXXX XXXX  and XXXX XXXX XXXX. I have never opened an account with those companies nor do I have any written or verbal contract with them. I have never given anyone permission to open any account on my behalf and I did not gain anything as a result of those accounts that were opened in my name such as money, goods, services or any other benefit and I did not make any payments towards these accounts. I took it upon myself to file a police report as well as a complaint with the Consumer Financial Protection Bureau regarding these unauthorized accounts.

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 2019-11-18
Company: Experian Information Solutions 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 AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS. 

XXXX XXXX : XXXX NO VALID CREDITOR : XXXX XXXX  XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX   : XXXX Inquiries : XXXX  XXXX  XXXX : XX/XX/XXXX XXXX  XXXX XXXX : XX/XX/XXXX XXXX  XXXX  : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX  XXXX : XX/XX/XXXX XXXX  XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX/XXXX  : XX/XX/XXXX XXXX/XXXX  : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX  XXXX  XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX/XXXX   : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-27
Company: JPMORGAN CHASE & CO.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
First they held up a XXXX deposit for money that was owned me. second when I went to transfer some of the money to one of my other accounts. they did not do it. This is a transfer to account that is mine and I have done 25 times since XX/XX/2020. I did the transfer at XXXX XXXX by XXXX it still wasn't done. I called and talked to XXXX and he transferred me to XXXX. Who placed notes and said he didn't know why the transfer didn't go through. Then he said it would go through in a few minuets. I waited until XXXX called back because the transfer did not go through. I talked to XXXX. that is what she said her name was. She transferred me to XXXX. who looked at the account and said everything I said was noted on my account. then he said it would transfer now in the morning. I asked to speak to a supervisor. I was on the phone holding for 30 mins and no supervisor came on the phone. I hung up and then I went to pay some bills online, There was a problem with my card, I then got a email saying my transfer was canceled and that I needed to go online and look at a secured message from chase. When I went to log on my online was blocked and there was a number saying to call XXXX. I called and the recording now says they are closed. They are profiling me and using words to XXXX to me and if they did it so easily to me that means they have done it to others. This is not customer service. when a customer has to call several times and they don't tell the truth. I have been profiled because of the money I have in the account. If I had a XXXX dollars in there they would have taken care of the problem immediately. That is not treating customers the same. That is selective customer servicing. You can pull up the recording of our conversations but I bet they will say, we don't always record every call. With that they are now lying on the phone to all customers. This better not touch my credit I've worked hard to keep in good standings. This is not fair in any way!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-23
Company: Experian Information Solutions 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:
I am XXXX XXXX XXXX i have never changed my name i have never use any of the alias names on my credit report. Any nanes other than XXXX XXXX. XXXX were fraud. Please remove. 
Also i lived at XXXX XXXX XXXX. XXXX, Al . For 30 years i have never used any other address in Alabama. Please remove all alabama addresses but this one. Only a unstable person will have over 20 addresses. Also the social security numbers please remove from credit file. Not mine also the phone numbers 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