BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-29
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:
We received a credit breach alert XX/XX/2017. After reviewing our credit report found a fraudulent loan from XXXX XXXX. After many hours of research found ID Theft utilizing my information occurred in Pennsylvania. Police report was filed, Pennsylvania District Attorney found fraudulent auto loan document, notified XXXX XXXX, they in turn notified the three reporting agencies XX/XX/2017. 

Upon recent credit report review- and after several notifications to XXXX- the fraudulent loan remains on the XXXX credit report. 

At this point I am unable to review Transunion and XXXX not able to access their website. 

Thanks in advance for any assistance you can provide.

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 2020-12-05
Company: Experian Information Solutions Inc.
State: NY
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 ) -- OPEN ACCOUNT 1. XXXX XXXX  with ACCT # XXXX opened on XXXX XXXX, 2016 with a balance of {$0.00} -This is not 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 2021-10-09
Company: William D. Meeker Enterprises, 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:
After carefully reviewing my credit, I noticed an inquiry from your company. I did not apply for credit with your company nor gave the authorization to pull my credit. I have contacted XXXX they have provided no proof I initiated such inquiry nor written authorization, and have failed to provide any permissible purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29
Company: BB&T CORPORATION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Purchased a computer from XXXX for XXXX and two other items totaling XXXX on XX/XX/XXXX with a credit card that I manually entered into the system. 
Noticed when checked bank balance with BB and T that had negative balance I could see that XXXX charged wrong card. Error was noticed two hours after purchase on XX/XX/2019. 
Contacted XXXX they told me they would correct mistake XX/XX/XXXX not fixed contacted company and bank again XXXX told me they couldnt fix it and to return computer Computer was a gift and said item was not in my possession Filed merchant error with Bank was told it could take 120 days and contacted XXXX and was told too bad its your fault you clicked the wrong button and ended the call. To date nothing is fixed and my bank account has maintained a negative balance since 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 explanation
Consumer complaint received 2020-07-24
Company: Bliksum, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
LoanMe, loan in the amount of {$2400.00}. 
I have paid LoanMe and I am free of debt with them as of XXXX. They, however, claim I have not. I have my paperwork that states I have, which has been enclosed for your review. Aside from this ridiculous attempt to continue to collect a paid debt, they claim I owe them interest. 
I have been contacted by XXXX XXXX XXXX trying to collect on a paid debt. Because of a family tragedy I was in a bad place financially and had to obtain a loan from this unethical company. My biggest regret. 
I have worked in Collections for over 20 years, their procedure or methods of collection can be considered unprofessional to say the least. 
They claim I have an unpaid balance because they claim I didn't finish paying my debt in XXXX. Their collection/accounting department didn't realize this information until the end of XXXX I will not be penalized for their bad record keeping. My employer received a judgement in XXXX, she forwarded it to the payroll company and {$2400.00} was garnished, plus an additional {$440.00} just last year when they tried to garnish me again at my new employment. Based on the payment history I received from LoanMe on XX/XX/XXXX, I have an outstanding balance of {$570.00} In XXXX they received {$440.00}, so technically my balance should be {$130.00} The credit report I received shows I have a balance of {$170.00} or {$410.00} not sure why. LoanMe are crooks with bad record keeping, how they came up with me owing {$2100.00} again is beyond me. I need this resolved, their constant harassment has caused me anxiety.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27
Company: EQUIFAX, INC.
State: PA
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 is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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 2018-02-23
Company: EQUIFAX, INC.
State: CO
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 disputed a collection account from XXXX XXXX XXXX on XXXX, Equifax and XXXX credit reports. So far I have heard back from XXXX stating that XXXX XXXX XXXX verified the information as correct and the item was not deleted. 

I have submitted two complaints against XXXX XXXX XXXX with regards to this account and in the first complaint they agreed to delete the item from my credit reports. 

However, this has not been the case. I am providing copies of the first complain with XXXX XXXX XXXX stating they will remove the account from my credits bureaus. 

I also asked XXXX, XXXX and Equifax to provide the means of the verification and the proof that was provided by XXXX XXXX XXXX. This information was not provided. They are just relying on XXXX XXXX XXXX word. Without proper evidence showing this account belongs to me ( which it does not ) this item must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-17
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: Account status incorrect

Complaint:
On XXXX I submitted my FTC Affidavit, notarized and signed, with the police report number. 

Transunion responded XXXX/XXXX/XXXX and updated the information on my credit report that was due to fraud they sent a letter saying that the items were removed however they have been reappearing since XXXX/XXXX/XXXX on my credit report and Transunion told me to put a Freeze on my report which I did but the two accounts and three collections are still showing on my report as of XXXX. 

XXXX responded XXXX/XXXX/XXXX and said that I did not send the proper information to my FTC Affidavit but I sent the affidavit, notarized and signed by the police report number. They then said that I needed to submit additional documentation as far as my passport, ID or SS # and I submitted all three : The four collection accounts and six accounts due to ID theft on my account are still showing on my report as of XXXX/XXXX/XXXX and XXXX has not responded. 

XXXX responded on XXXX/XXXX/XXXX and removed the accounts, and appeared on XXXX/XXXX/XXXX they were showing again and, the rep I spoke to in the fraud department said it was a glitch in their system it was removed XXXX/XXXX/XXXX and was not showing any of the accounts due to fraud now as of XXXX/XXXX/XXXX three accounts are back showing that were due to Fraud. 

I have attempted since XXXX to get the items removed that were due to ID Theft and submitted the proper documentation for each bureau and nothing has been doing by the credit bureaus. As results, my credit scores consistently fluctuate and the fraud departments are saying that I have to go through a dispute process. 

Why would I need to go through an additional dispute process when I have submitted the proper documentation? Why would they remove the items send me an updated copy and letter stating they would and, then reappear and blame on computer systems. 

I am now seeking assistance and felt like I needed to file a complaint almost a year dealing with reoccurring issues.

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 2021-09-22
Company: EQUIFAX, INC.
State: MI
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have sent this 4 times to Equifax, XXXX and XXXX regarding my identity theft record. They continue to give me the run around! I have called several times and nothing. They purposely do nothing with this information and it is continuously adversely effecting me!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19
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:
XXXX reported a collections notice on my credit reports within the last few days in the amount of $ 230+-. I do/did not have an account at XXXX and I consider this entry erroneous and fraudulent.

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 2021-09-22
Company: Remex, Inc.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureaus are having data and system issues. I disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15
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 have had some very serious issues with my credit file over the past few years and I recently discovered that there are several problems and inaccurate data ( information ) that need correction as soon as possible. Somehow there is 3 different SS on my file, unknown addresses on my file, and so fraudulent account that do not belong to me. 
My correct spelling of my name is : XXXX XXXX XXXX my SS XXXX my DOB XXXX My only address is XXXX XXXX XXXX XXXX, TX XXXX. 
Please delete the following addresses : XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX  XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX # XXXX  XXXX CA, XXXX XXXX XXXX XXXX XXXX XXXX NV, XXXX XXXX XXXX XXXX # XXXX XXXX XXXX NV, XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV, XXXX I have unverified accounts from the following companies : 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 2018-03-15
Company: BMW Financial Services NA, LLC
State: TN
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:
Hello BMW Services : This is a formal notification of Title received from BMW. After a 14 day waiting period for clearance of all outstanding debt on BMW we received a clear title. However, we are receiving daily calls from BMW Collections and when we call back we are routed to a long standing ( no answer ). I have called numerous times and spoken to Customer Service who also routes call to Collections. I have given the information to them that Title was received as well. The vehicle was placed in repossession and we are also receiving harassing calls about a BMW location.

We have contacted our attorney who has a copy of recent BMW Title and we have also  noted to DMV State of XXXX the status of harassment by BMW Financial USA. We are requesting that the account be made current per Credit reporting and per law. There is no outstanding payment due on account as per receipt of BMW Title and 14 day required waiting period.

Please note this given account. If we receive any further calls from BMW or Repo company a formal complaint will be filed with the State Attorney General Office.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Hi CFPB, I opened checking and savings accounts with CitiBank in XX/XX/2019 with the premise of receiving a {$400.00} bonus if I maintain {$15000.00} for 60 days, and an additional {$100.00} if I receive a direct deposit during those 60 days. I have completed both tasks but have yet to receive my combined {$500.00} bonus, despite reaching out to CitiBank who let me know that this would be deposited " soon ''. I am not pleased with the bank offering this promotion but not honoring the terms of the promotion, could you please look into this and assist if possible? Thank you very much for your time.

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 2020-09-15
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I have reached out by letter and phone to the credit reporting agencies about updating my personal information. and so far they have not complied, there are still addresses and names that shouldn't be on there, and I fear my identity has been compromised because of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: Experian Information Solutions 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:
I sent in my police report and my FTC affidavit to the three credit bureaus Experian and XXXX XXXX department who asked me to send in my fraud package. After sending to them fraud package they have not replied to anything they have not responded and keep showing fraudulent accounts has been deleted that was XXXX Enclosed is the proof that they deleted the fraudulent account. XXXX I got an alert that a fraudulent account was placed on my credit that same fraudulent account that was Deleted XXXX, XXXX. They never noticed me of putting the fraudulent account on my credit after they deleted this fraud two years ago. They have caused me caused me great damage and embarrassment also with emotional distress, Defamation of character. You have coursed me to loss a loan due this fraud you are illegally reporting. You are in complete violation of the FCRA and if this is not immediately deleted from my report I will seek legal action. This account is fraudulent and has been deleted already 2 years ago.XXXX XXXX XXXX XXXXEnclosed you will see police report sent the the collection agency and the credit bureaus, letters and certified letters. They requested for me to send them a copy of my ID and I did. This needs to be deleted due to fraud and they are knowingly and willingly causing me damages to my credit and aware that this medical bill is completely fraudulent. I will await only allowed time for this fraud to be resolved before taking hiring an attorney and filling a lawsuit on Experian, XXXX and XXXX XXXX this complaint serves as proof to the courts that I have taken ever possible messures to resolve this fraud. and will no longer allow The credit bureaus and XXXX XXXX Identity theft and my consumer rights.

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 2018-08-29
Company: Experian Information Solutions 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:
I submitted a complaint and asked for this collection agency to provide me with validation of debt. According to Section ( 609 ) of the Fair Credit Reporting Act. I can request documents that prove that this is my debt. This gives me protection of consumers against false and erroneous reporting. This collection agency sent me an in-house letter that provided dates of service that they stated I visited XXXX XXXX. I have no records or statements from the original creditor. I am submitting this complaint due to this company not sending any documents that prove this is indeed my debt. I would like the information provided by the original furnisher to your office.

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 2019-05-20
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Cashed a check for {$1400.00} on XX/XX/XXXX. I was with my daughter and we always count it. We received {$1400.00} in cash. 

I use telephone banking to verify checks that have come through. On XX/XX/XXXX, {$100.00} was taken from my account. I was not notified. I called the bank the next day and they said that we received {$1500.00} instead of {$1400.00}. I am in a wheel chair and I had to get my daughter to take me to the bank to try to straighten this out. At that time, Wells Fargo said the teller was not short? So how many people are they doing this too? I can't understand how Wells Fargo can take money from someone's account like this. 

On a letter dated XX/XX/XXXX, they said they were going to research this??? Manager : XXXX XXXX at XXXX and XXXX, XXXX, Texas. ( Attached is letter with information ) As of XX/XX/XXXX, this is still a problem. One of my daughters use to work for the XXXX. She said she can't believe that they could get away with this and wonders how many people they are doing this to. 

Something needs to be done about this. Please help me! What if I had not checked 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