BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-02
Company: ENCORE CAPITAL GROUP 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: Information belongs to someone else

Complaint:
Midland is reporting in my credit file however it is inaccurate because it was said to be late yet all the payments are OK. I do not think that this is mine. I did my research on what to do because it is affecting my scores to badly, I asked for documents, disclosure and where did the account came from but they failed to provide me so I came online and researched. The plaintiff is asking the same thing that I wanted and at the end of it all the plaintiff won this case. I am talking about the Texas VS Midland Funding Case. I have learned that Midland claims to have a disclosure and an agreement that there is a Consumer Agreement for all who they are collecting from. I guarantee you that there is no such thing that I have agreed upon to. Please investigate this and have this removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24
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: Account information incorrect

Complaint:
Payment history is incorrect because there is a past due amount of {$5500.00} but should be {$0.00} because was charged off and closed in XX/XX/2020. When creditors cancel debts, they are required to report the canceled amount ( if it's over {$600.00} ) to the IRS using Form 1099-C cancellation of debt. I yet to receive it. And when still comes up on my consumer report is concerned tax refund

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-24
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
This complaint is for Equifax and XXXX. I was a victim of identity theft and sent in my police report and both of these bureaus refuse to block the negative reporting of these items, although they have to by law. I have been in contact with them several times and haven't been given a reason as to why they haven't removed this information. These items were made without my knowledge and i am now being negatively affected by these items and i am not getting assistance with this issue by the credit bureaus. this is my third complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: SANTANDER HOLDINGS USA, INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2023 I opened a personal checking account online with Santander Bank. 
I sent electronic opening deposit in the amount of {$9000.00} from my XXXX business checking account which posted on the XXXX of XXXX. 
I immediately began using my account such as paying rent and other misc. bills. 
It was until I went into the Santander Branch located at XXXX XXXX XXXX on the XXXX of XXXX to make a wire in the amount of {$940.00} is when the issues began. 
Banker XXXX XXXX asked for ID and wire info which was normal but once he saw the amount that I deposited, he asked me what I did for a living then asked why a company is depositing this money in my account. I immediately was taken back by the intrusive question that was asked without context. I explained to him that this was my business that I owned. He left the room and came back and said he needs to make a copy of my ID in order to complete the wire. 
Once he comes back 5 mins later ; he said that he needs paperwork to show proof that I own that company. I started to feel uncomfortable, and asked for him to close my account. he said he can't close my account because Santander doesn't close accounts at the branch only online. 
He then but the branch manager, XXXX XXXX on the phone who said that I need to provide proof of my business ownership. I told her that I just want to close the account which they said they cant do at the branch. I then left. 
By the time I got home which was only 7 mins because I live in the neighborhood ; y account was locked. 
I called XXXX XXXX and she said they will unlock my account only once I send in proof I own the business. I then emailed her with documentation however she disappeared and avoided my calls 2 days later. 
On XX/XX/XXXX ; I found out that my bills that were paid were reversed by the bank and that they wanted me to 'replace ' funds that were used on my account before they reverse the initial deposit. 
I made a deposit of {$1400.00} on the XXXX of XXXX to resolve this matter however they have not been able to give me any information on when my {$9000.00} will be returned. 
I have taped calls and written communication that shows how unfairly I was treated and that they were focused on trying to keep my account opened in order to resolve this. The blockage of funds on my account was out of malicious intent because I wanted to close my account.

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 2021-05-12
Company: Avadyne Health Holdings, Inc
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This company has reported a collections account my credit report that I have not been made aware of. I have not recieved any written notification therefore, my right to dispute and request verification has been denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02
Company: Navient Solutions, LLC.
State: OR
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Pioneer Credit Recovery discussed my debt with my father and mother-in-law without my consent.

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 2023-11-14
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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: Problem getting your free annual credit report

Complaint:
I consistently have problems with Transunion having incorrect information on my credit report. I contacted them because I was denied a loan due to low XXXX XXXX. My XXXX XXXX I watch closely because of Transunion. I have not been below XXXX in years. When I contacted transunion to find out what negative information on my credit report they used to come up with a XXXX score they would not answer. They also tried to charge me to send me a credit report with the information. On freecreditscore website I am able to retrieve XXXX and XXXX credit report but not Transunion. Due to the closeness in names, dob and address with me and my father this is a consistent problem with only Transunion.

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 2020-11-04
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I called Wells Fargo and was transferred several times. A person by the name of XXXX XXXX is using my address at XXXX XXXX XXXX in XXXX Texas. She has her mail forwarded to another address ; however the US Postal service provides me with a scanned mail before it gets forwarded in another address.

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 2021-03-04
Company: EQUIFAX, 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: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX is reporting a reposession to my report ... .By law EVERYTING should be reported 100 % accurately or it has to be deleted from my report by law ... .I have contacted them as well as all 3 bureaus 6 times to validate/Verify this account and no one can ... XXXX therefore deleted this account from my report and my understanding is that by law XXXX and equifax should do the same as this cant be validated ... they have yet to do so and i demand they do it now ... .There are multiple errors in the reporting which i have pointed out to them in the past and they have done nothing .... 

Monthly Payment : XXXX reporting {$0.00}, Equifax {$390.00} No. of Months ( terms ) : XXXX  reporting 78, Equifax XXXX Payment Status : XXXX reporting Repossession, Equifax 60 days late Date of Last Payment : XXXX reporting XX/XX/2016, Equifax XX/XX/2016 Date Last Active : XXXX reporting XX/XX/2016, Equifax XX/XX/2016 Look at the 2 year history on the bottom they do not match between bureaus ... .XXXX is actually reporting a late pay after a reposession..smh

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02
Company: Source Receivables Management LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Source recievable management PO BOX XXXX XXXX, NC XXXX I have been recieving calls on a XXXX XXXX that I owed ... The collector calling me was rude right as soon as I questioned the amount. I have a right to ask about a such a large balance ... I want to be sure that the amount is correct and such and see the chain of debt ... thats not a problem plus it is my legal right. After finally agreeing give me an address she followed with " collection activeties will continue after the validation process has begun '' ... I know this is a direct violation to the FDCPA. fURHTER THAN THAT, HER TONE AND ATTITUDE TOWARDS ME STATING " WELL ITS A HIGH BALANCE AND YOUR TRYING TO DISPUTE THIS ... YOU KNOW THE TABLETS YOU HAVE '' is beyond harassing ... You have no idea what I may have gone through or may be going through ... I am humiliated to be talked to like that ... This is embarassing to be in this situation to begin with ... I am going to be having an attorney help me resolve this if the company is unable to resolve this ...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
OUT OF STATE CHECK WAS DEPOSITED ON THE XXXX OF XXXX AN OUT OF STATE BANK AND WITH CHASE BANK THE FUNDS WILL NOT BE AVAILABLE UNTIL THE XXXX OF XXXX. IS IT NOT FEDERAL LAW OUT OF STATE ABNK AVAILABILITY IS 5 DAYS. THEY ARE HOLDING AND PLAYNG WITH MY MONEY FOR 9 DAYS

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02
Company: ERC
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello, I have been receiving weekly calls from a debt collection agency ( ERC ) regarding a debt owed by my ex-wife. I do not know what the debt is, or how much, yet they somehow have my phone number on file and continually call me asking for her. I have spoken with agents at the company multiple times, yet this keeps occurring. I also block the phone number used to contact me, yet they are still able to get through using a different number. This seems like pretty shady tactics to me. The most recent call took place at XXXX Thursday, XX/XX/20. The phone number used was ( XXXX ) XXXX. I will list other numbers they have used recently below : ( XXXX ) XXXX ( XXXX ) XXXX Please help to resolve this issue - I in no way am responsible for this yet I keep getting harassed. And on a personal note, Im glad someone brings up my divorce on a weekly basis I so I can relive all of that again - not only is this bad business practice but frankly it is disrespectful and insulting that this business is choosing not to respect me and my time or personal life experiences. 

Thank You, 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 2018-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
Disputes were submitted to Transunion XX/XX/18. I received a letter from Transunion dated XX/XX/18 that was postmarked XX/XX/18 requesting proof of address and identity. With my original dispute they received my military id which has my social security number on the front of it and a letter from social security & veterans administration with my address. Now they want a bank statement as on of the forms. Who in their right mind would send a bank statement. This is nothing more than a stall tactic to get additional information and extend their time for investigating. This is a unreasonable request and unnecessary. Transunion is in violation of the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-14
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2022-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. Identity Theft XXXX Account Number : XXXX Please remove it from my credit report. 2. Identity Theft XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 3. Identity Theft XXXX XXXX Account Number : XXXX Delete this account. 4. Identity Theft XXXX XXXX Account XXXX : XXXX Delete this account. 5. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX, MD XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX MD XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, MD 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 2023-11-14
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'm sending this complaint to request credit inquiries that were unauthorized to be removed from my credit report. I received a copy of my credit report and became aware of inquiries that I did not authorize. They are as follows. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: Experian Information Solutions Inc.
State: MD
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:
Experian has violated my rights to privacy. 
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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. 
Account Name : XXXX  XXXX XXXX Account Number : XXXX has violated my rights. 
Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. 
Account Name : XXXX Account Number : XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 1681 Section ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-24
Company: WELLS FARGO & COMPANY
State: DE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We were applying for a mortgage loan with Wells Fargo Bank, N.A. On XX/XX/2018, Wells Fargo sent the initial mortgage loan disclosure package, with all our personal information, such as our names, dates of birth, social security numbers, bank account numbers, previous addresses, bank account numbers, everything, to the wrong address. When we did not receive the package, we contacted Wells Fargo and then discovered that they had sent it to the wrong address. Well Fargo advised that they would make efforts to retrieve it, but to date, XX/XX/2018, we have heard nothing back from them. We had to change every bank account and credit card we have.

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 2018-12-09
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
There is no option for my complaint. Below is my belief in wrong doing. 

I am XXXX XXXX military. As such, I deploy and move constantly. Which I have to get a new place every time, usually about every year. With that being said, I have to get my credit pulled for housing, cable/internet, power, phone etc. every single time. The general population/ consumer, do NOT have to do this as they do not move nearly as much as military personnel. I do not believe this is fair to me, nor any other military service members. Our credit is affected tremendously because of this and believe this should not negatively impact our credit. PLEASE review my credit history. I have NEVER been late on any payments, but since I have a ton of inquiries, it is hurting my credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation