BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-02
Company: Experian Information Solutions 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; CXXXX XXXX ( Original Creditor : XXXX ) XXXX Balance XXXX {$1100.00} ; XXXX  XXXX Balance : {$170.00} ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-02
Company: Experian Information Solutions 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here are the list of items which do not belong to me or were opened without my permission. 

XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2021-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/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 explanation
Consumer complaint received 2020-12-03
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Resurgent Capital recently responded to a complaint that I initiated refusing to delete the accounts that I disputed on my credit reports. 

However, LVNV/Resurgent is violating the FCRA by listing themselves as a " Factoring Company '' for these accounts. Factoring companies collect account receivables that are not in default at time of purchase, not alleged charged off accounts, as it is prohibited by law for them to do so. LVNV/Resurgent clearly stated in their response letter that was sent to me that they purchased the debts after they were charged off, making them a junk debt buyer, not a factoring company. Due to this fact, LVNV/Resurgent is in violation of the following : 15 USC 1692e ( 2 ) ( A ) by falsely characterizing the accounts as " factoring company '' account.

15 USC 1692e ( 2 ) ( A ) as falsely reporting the legal stat
us of the accounts as not in default.

15 USC 1692e by communicating credit information which is known or which should be known as false, by reporting the accounts as factoring company accounts.

15 USC 1692e ( 10 ) by using any false representation or deceptive means to collect or attempt to collect any debt by reporting the accounts as " factoring company '' accounts.

15 USC 1692e ( 12 ) by alleging that the accounts were " factoring company '' accounts resulting in the false representation or implication that the accounts have been turned over to innocent purchasers for value.

15 USC 1692f by using unfair or unconscionable means to collect or attempt to collect any debts by reporting the accounts as " factor company '' accounts to deceive current and potential creditors and to negatively impact my credit score. 

If LVNV/Resurgent wishes to resolve this matter without court action, they will delete these accounts from my credit reports within 7 days. If not, I will initiate a law suit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
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:
It appears that my credit file has been compromised. I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for 3 Credit Bureaus ( learned through more research both parties require ). Please block/remove these files as soon as possible. 
XXXX XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX MI XXXXXXXX XXXX XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} ; XXXX XX/XX/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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-02
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: Information belongs to someone else

Complaint:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to delete the accounts which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the accounts I am concerned of : XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: High-pressure sales tactics

Complaint:
In 2016 I was involved in a domestic situation. During that time, my partner did not have a car and mine was used by us both for transportation. That car ended up having to be replaced. I went to XXXX XXXX in XXXX NC to purchase a new car, however was forced at that time to co-sign for a car for her as well. At this time because I knew how much I had been abused, no matter what signs I gave the salesman they pressured me to co-sign as well. Stated why not " 2 in one day '' At this time I co-signed for her car and signed for mine, we both received a XXXX XXXX XXXX. The cars were both financed through the same company, NMAC. Nissan 's finance company. As a consumer my income did not support two loans. These cars again were financed on the same day, by the same company, this made the sale unfair. The salesman was not concerned about me at the time, my income, it was only to gain a sale, knowing I could not afford it affecting my credit worthiness. I was young at the time as well, 2 years out of college. I satisfied my loan but because she could not afford the second loan, nor could I, she got the car repossessed ( Vin ending in XXXX ) and the repossession is now on my credit file. With this sale, it broke laws according to the UDAPP- Unfair, Deceptive, & Abusive Acts and Practices. I have contacted Nissan 's loss recovery department on XX/XX/XXXX, XX/XX/XXXX at XXXX ( Spoke with XXXX-gave me service req # XXXX ) on XX/XX/XXXX at XXXX ( Spoke with XXXX ) and requested a copy of the sales agreement from this day, all three times they stated they mailed it, except XXXX, she stated she would email it, I have yet to receive this sales agreement. I spoke to a sales representative at XXXX XXXX XXXX in XXXX NC to see if I could obtain anything from them, but he stated they did not use the same system. He also stated to me that Nissan would not send me that information because they knew they were in the wrong for making that sale

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: Experian Information Solutions Inc.
State: NC
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:
My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2021-01-27
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I XXXX XXXX XXXX opened a bank account to begin receiving social security in XXXX XXXX at Wells Fargo XXXX XXXX XXXX, XXXX XXXX, CA. I used the very first deposit to move to the XXXX XXXX to look for housing. I spent quite some time in XXXX homeless and used the branch on XXXX and XXXX XXXX, ( across the street from the library ) My payment was there on east coast time. However, when I got housing and moved to XXXX PA, My money would bounce to California first and I could not use the funds until noon or later on some paydays. The Wells Fargo has been using two different account numbers for my money. I am poor and only opened one account. The XXXX stimulus check hit a different account number than I have in PA, but I could use the funds late. But now, Wells Fargo notified me of closing my account several months ago, because I disagreed with them, I changed my direct deposit to XXXX XXXX. Now social security has been paying me through XXXX XXXX. But Get My Payment from the IRS shows that the second stimulus check of {$600.00}. went to the same account of Wells Fargo as the first one. An account number that is not the account number I had in PA. I have no bank statements from this account number ending in XXXX. Also I do not know of any monies in that account or activity of that account. My phone no. is XXXX. 
I would appreciate all attention given to this matter. Wells Fargo is often in the news for fraudulent accounts and activities. My back pay from Social Security according to the Administrative Law Judge may have been compromised or stolen.

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 2023-07-12
Company: National Credit Systems,Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am disputing this claim due to : My sister and I have moved into XXXX XXXX  XX/XX/XXXX and we have moved out of XXXX XXXX XXXX at XXXX and the office closes at XXXX. We waited until the XXXX, XXXX XXXX, to check the XXXX XXXX XXXX where we lived and she came and did a walk through with us and said she would give us a rating based on our damages, the unfinished work while we lived there, and prior damages. We have waited to hear back from XXXX XXXX for three months for our deposit back and sent emails to see if everything was okay. Our deposit in total was {$850.00}. We heard back from her and we have recieved our deposit for {$320.00}. We asked her why she gave us the {$320.00} back instead of {$850.00} and she said that the damages made was worth {$520.00} and so we said okay. We have paid in full everything that we owe and I would like this collection to be deleted from my credit.

This is my official request to have the aforementioned item to be deleted off my credit report.

Enclosed may be additional evidence to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-05
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I made my mortgage payment over the phone on XXXX XXXX, 2017. i successfully gave them my account # and routing #. I received a confirmation code that the payment was successfully processed. I was traveling for work and pleasure the next couple of weeks. But i was domestic and my phone was working the entire time. I arrived back from my vacation to threatening letter from Chase Bank saying my payment was n't received. they never called me once to let me know. I have been making successful payments for 15 years to Chase ; i have never been late FYI. Right when i was made aware of the problem i made another payment to chase and i am currently up to date as i have been for 15 years. 

Chase reported me late to the credit agencies and it reduced my credit score to XXXX from XXXX i have been working for 15 years to get that credit score. 

I have tried calling them 4 times and got all the way to the executive team to try and resolve myself. ( they kept on saying they would call me back after investigated but every week i keep on calling them to no avail ). But they tell me that chase did nothing wrong and they cant change it to the credit agencies. But they waived all the fees and said sorry. On the recording they said i only gave them 5 account # 's. Every bank account in america has more then 5 numbers. i think maybe the phone cut out and the rep did n't hear me. the rep should have asked me to repeat the number and why did they give me confirmation code????? they also did n't call me to let me know that it did n't process. numerous chase errors. They tell me the only way to hear the internal call is to sue them and get it thru court. this is crazy. i tried to make my payment on time and i need your help. Chase is terrible and i am sure they receive numerous complaints. please help i have no other options. best XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: WELLS FARGO & COMPANY
State: MT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2022 I attempted to wire {$5000.00} from my U.S. checking account to my XXXX  checking account. I have residences in US and in XXXX. My U.S. residence address, email and phone, all registered with the XXXX bank, have not changed. The only thing that changed is my new XXXX residential address, which is required in order to have an XXXX bank account. I then received an email from the XXXX bank that my online access is terminated. No explanation, only option to call XXXX XXXX number which can not be called from outside US. I am in XXXX. They know that. This is my third complaint of this nature this year. The first two were eventually resolved after the bank responded to CFPB complaints, not without financial hardship to me. I will have to now somehow again find a way to contact this bank. The international number I found can not be called from a mobile phone or a pay phone therefore I will have to install a land line and pay very expensive long distance charges. The carrier charges even if the # is toll free. And then from experience I will be on hold for long times and probably meet with repeated dead ends. I rely on the social security funds that are deposited to my U.S. account to meet my daily living expenses. There is no excuse for this repeated abuse.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-05
Company: Debt Recovery Solutions, LLC
State: TX
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:
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account in question in the amount of {$300.00} that you have been reporting negatively on my credit report without proper notice. You do not have permission to contact me by physical mail, phone, nor e-mail. All documentation may only be uploaded through this portal. If you can not provide adequate documentation showing that I have ever done business with Debt Recovery Solutions with my signature on it than you must remove this negative tradeline from my credit report at once. Debt Recovery Solutions did not follow through with the proper notification before placing this debt on my credit file which is against the law. If this tradeline is not removed Debt Recovery Solutions is subject to have legal action taken against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 have refinanced my auto loan from XXXX XXXX in the amount of XXXX and it 's still showing on my credit report. I have refinanced the vehicle through XXXX in order to get a lower interest rate in the amount of XXXX and with this taking place it has lowered my credit store drastically of about 100 points because it 's saying I have roughly XXXX in auto loans which is not true because I just refinanced and I was wanting to know how to fix this and get my credit score back to what it was

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2017-09-05
Company: Exeter Finance Corp.
State: AL
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 have refinanced my auto loan from exerter finance in the amount of XXXX and it 's still showing on my credit report. I have refinanced the vehicle through XXXX in order to get a lower interest rate in the amount of XXXX and with this taking place it has lowered my credit store drastically of about 100 points because it 's saying I have roughly XXXX in auto loans which is not true because I just refinanced and I was wanting to know how to fix this and get my credit score back to what it was

Company response to consumer: Closed with explanation