BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-15
Company: WELLS FARGO & COMPANY
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:
A few years ago, I had two checking accounts with Wells Fargo. They were later closed and had accrued many overdraft fees. I have since paid one of them off, but have been unable to get the credit bureaus to remove the erroneous information. They continuously claim they've " verified '' the account. Clearly they haven't, as if they'd had, they'd know the account has been paid. I paid one of the accounts off with a XXXX XXXX money order # XXXX. It shows this money order has been cashed sometime in XXXX of 2020. Because it's been so long, and my rights under the FCRA have been violated multiple times, I would like both of the accounts removed from each credit report, or I will have no other option than to contact my attorney and file suit against all of these companies that continue to violate my 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 2017-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
Beginning in XX/XX/XXXX I 've been disputing inaccurate information reporting from all3 credit bureaus regarding an account with XXXX XXXX XXXX XXXX. All 3 are  reporting a balance owed over XXXX. I disputed the information as being inaccurately reporting. I did this in XX/XX/XXXX and XX/XX/XXXX. All three bureaus reported the information was verified and reporting accurately. I then requested the account be validated by XXXX XXXX XXXX XXXX. XXXXXXXX XXXX XXXX XXXXXXXX validated the accounts on XX/XX/XXXX and XX/XX/XXXX. XXXX XXXX XXXX XXXX provided me with a Explanation of Calculationof Surplus or Deficiency. After the sale of the vehicle it states the amount owed is XXXX. It also states in the correspondence that this information was supplied to all three credit bureas. I would like to have this account deleted from all 3 credit bureaus because they have willfully failed to report accurate and correct information. I requested several investigations and the amount is continued to be reporting in error. I have also provided the documentation I obtained when I requested validation after several failed investigations by the credit bureaus.

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 2021-11-06
Company: TRUIST FINANCIAL CORPORATION
State: FL
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:
I had fraud charges on my bank account that were done through XXXX that weren't mine. I have attempted to go through my bank three times but they keep denying saying because I have used them before they aren't honoring but i didn't do these and this caused me financial hardship. These were debit card purchases using my card. I received zero benefit from this and can't believe my bank isn't assisting me with this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16
Company: AmeriCollect
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
AMERICOLLECT is claiming that I owe them {$150.00} with an Account Number : XXXX but I didn't recognize this debt. Please Remove this inaccurate collection from my report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
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:
Please help me, I don't know what to do. I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint with the FTC. I have completed the report and have attached my documents for proof of ID. I can't take this, my family and I are being deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. Failure to do so is a violation of my 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 explanation
Consumer complaint received 2021-11-06
Company: Bread Financial Holdings, 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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to the 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 non-monetary relief
Consumer complaint received 2021-11-05
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To whom it may concern, I am not an attorney or a Third party, I am having a issue with some one using my person information to collection insurance benefits and ordering utilities in my name. I have a common name XXXX XXXX and I believe my name is either being confused/used as someone else. 

The following addresses do not belong to me Please delete them at once : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX  XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX My current and only address is XXXX XXXX XXXX XXXX XXXX. Please remove any other address they do not belong to me. 
I found numbers that do not belong to me as well please delete they are not accurate ( 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 2021-11-06
Company: CCS Financial Services, Inc.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This company is abusing since I have more than two months fighting with this problem with this account opened for fraud. I contacted them. They asked me for a police report. They ask for a police report and they do not have the evidence or documents that allege that it is mine, it is an account opened for fraud and they do not want to help me solve this problem I will have to be legally current here I notify CFPB and yes.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
Company: WELLS FARGO & COMPANY
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Someone stole my identity and opened many accounts without my permission or authority.

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 2019-01-14
Company: Nelnet, Inc.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I refinanced my student loans into one ( 1 ) loan with Nelnet, I believe the repayment plan is Standard. I started making payments last XXXX, I have paid {$100.00} extra per payment to be applied to principal. The {$100.00} is not being applied to principal and the explanations I am getting make no sense to me. At one point my loans were in forbearance but I paid the interest for those times, so I'm a little confused on why my extra payments are going to interest and not principal. My account is current at this time. My next payment is due in XXXX, 2019 ; I would like to get this issue resolved. Also, I attended XXXX University at the XXXX of XXXX campus, they are no longer in that location, it closed a couple of years ago

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30
Company: Tower Loan of Mississippi, Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
I found a debt for Tower Loan on my credit report in the amount of {$1300.00}. I have no knowledge of this debt. I sent a Debt Validation Request to the company on XX/XX/XXXXvia return receipt mail. The company failed to respond, however they called my employer in XXXX and said they needed information about me to submit a garnishment of my wages.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06
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: Information is missing that should be on the report

Complaint:
The TransUnion credit rating is substantially less than XXXX and XXXX. My FICO from XXXX XXXX is based on XXXX data retrieved on XXXX and is XXXX. 

In the case of XXXX XXXX, theFICO Score is based on XXXX data on XX/XX/2021 is XXXX. 

Transunion says my credit score ranks higher than 61 percent of US consumers. This seems very unlikely since I only have two revolving credit accounts and use a debit card for most of my financial transactions. I owe less than {$7500.00} on my two credit cards and have been paying them off every month for months,

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 2021-07-15
Company: Experian Information Solutions 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:
I had an account with XXXX, and I owed {$2500.00} when the account was closed. I did not have the money to pay it or to even make payments on it at the time. So, they sent it to XXXX XXXX XXXX XXXX. I've talked to both XXXX and XXXX XXXX in an attempt to get an itemized bill showing the charges they claim I owe. Somehow, they have the idea that I owe them {$4500.00}. To this day, I have not received a breakdown of the charges, or proof that I even owe this debt. XXXX XXXX offered me a 50 % discount, but they would not remove it from the credit report. I don't want to pay more than I have to, and since both companies have continuously violated my FCRA rights, as well as the credit bureaus stating that it was " verified, '' I haven't been able to resolve this issue in an acceptable manner.

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 2021-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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 contacted TransUnion and was unsuccessful with help. Under theFair Credit Reporting Act, the information provider has 30 days to report back to the credit bureau with PROOF that I authorized the credit inquiry. Also, in accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ).

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 2021-10-07
Company: Figure Technologies, Inc
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
I applied for a home equity line of credit with Figure.com and this ONLY an online system and you have no contact with their representatives. 

Upon approval they send out documents for you to sign but never go into detail on how much origination is or the terms of the loan. 

They do send out a notary and notarizes the paperwork but never explains what you are signing. 

Upon funding the fee i paid for a heloq was XXXX for only XXXX, Im disappointed at the fact that i could've refinanced my home and still pay less in fees than getting this heloq. 

I urge this company to do better in explaining the terms and conditions to their clients before getting into any type of transaction with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: 2288984 Ontario Inc.
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
They hired a 3rd party collector, and collector is trying to file a complaint with the Texas DA trying to say it is criminal charges for a " Hot Check ''.
Texas courts and prosecutors should uniformly reject these complaints unless there is additional proof of fraud.
I lost my job and everything, this is the first time I am hearing about this.
And now that I am aware of this issue, they are stating that they are on a " Federal Recorded Line. '' Only options they gave me was for within 24 hours to make a decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30
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 have sent 2 certified letters asking all credit reporting agencies to VALIDATED ( not a verification ) this account with proof of the Certified copy of the TRUE BILL ( not a statement ) and copies of Original documents with my ( Wet Seal Signature ) on them nothing has been sent to me showing the account was VALIDATED or Original Documents showing my Wet Seal Signature with certified copies of the TRUE BILL ( not a statement or a verification ) I Now Demand these request to be placed on file that I have requested these items that have been ignored the credit agencies told me that they closed the cl as I'm stating it had nothing to do with them the account was valid I NEED THE ACCOUNT TO BE VALIDATED, WET SEAL SIGNATURE SHOWN ON ORIGINAL DOCUMENTS AND A CERTIFIED COPY OF THE TRUE BILL to be sent to me i was told it was left up to the company to send you that I never received that information that was requested and the creditor closed the case as completed and VALIDATED this creditor also needs to update the address on accounts to XXXX XXXX XXXX XXXX XXXX XXXX California XXXX Federal Tax Lien IRS # 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 2021-11-06
Company: CL Holdings LLC
State: VA
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:
On XX/XX/2021 JEFFERSON CAPITAL SYSTEM added a derogatory on my credit report per XXXX XXXX. Upon further research this account was transferred/sold and I'm no longer responsible for this account. Debtor 's collectors did not verify this collection. Also there was NO written communication, contract or signature for this account at all. A bill without a signature does not validate a debt and anybody can send a bill and say its mine. According to the FCRA, JEFFERSON CAPITAL SYSTEM has violated my rights and I'm requesting legal action to remove account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Ive been a victim for identity theft. I recently checked my credit and found fraudulent accounts on my report. The following fraudulent accounts are 1. XXXX XXXX XXXX XXXX XXXX {$500.00} XXXX ) The following account is fraudulent, Ive never done business with this company or entered into a signed contract. 

2.. XXXX  XXXX XXXX XXXX XXXX XXXX XXXX {$590.00} This account is fraudulent. Ive never done business with this company or entered into a signed contract 3. XXXX XXXX XXXX {$610.00} This account is fraudulent. Ive never done business with this company or entered into a signed contract. 

The following inquiries are Fraudulent 1.XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13
Company: Experian Information Solutions Inc.
State: UT
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 XXXX is reporting a collection that is not mine. It belongs to someone named XXXX XXXX who I have no relation to. My name is XXXX XXXX and this collection was placed onto my credit report 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 2021-07-15
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: Information belongs to someone else

Complaint:
Ive been a victim for identity theft. I recently checked my credit and found fraudulent accounts on my report. The following fraudulent accounts are 1. XXXX XXXX XXXX XXXX XXXX {$500.00} XXXX ) The following account is fraudulent, Ive never done business with this company or entered into a signed contract. 

2.. XXXX XXXX ( XXXX XXXX XXXX ) {$590.00} This account is fraudulent. Ive never done business with this company or entered into a signed contract 3. XXXX XXXX XXXX {$610.00} This account is fraudulent. Ive never done business with this company or entered into a signed contract. 

The following inquiries are XXXX XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XXXX  XX/XX/XXXX XXXX. 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 2020-11-04
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XX/XX/XXXX, I received a dated letter of XX/XX/XXXX from SYNCHRONY BANK regarding an account that CFPB assisted me with payoff and resolution because of Collection practices and problems with the way Bank administered the account. I believe the Account in question was my OLD NAVY XXXX account, because the letter copy attached to this complaint references Account Number ending in XXXX. If this is NOT Old XXXX account, then SYNCHRONY BANK needs to provide to me FULL ACCOUNT NUMBER and name of company involved with the credit. The received letter of XX/XX/XXXX states : Dear ...., Due to an error on a " previous statement '' the amount of interest may have been assessed on your account incorrectly. This error has been corrected and credit ( s ) are reflected on your billing statement. We apologize for any inconveninece this may have caused. Sincerely, Synchrony Bank ( XXXX XXXX XXXX XXXX, XXXX, FL XXXX. ) I request strongly background information regarding the mentioned account. I believe this account was settled and closed between XXXX to XXXX, I believe, with the assistance of CFPB. 

Also, I am REQUESTING MONETARY RELIEF IN THE AMOUNT OF {$2500.00} because if this letter was generated regarding a CLOSED/SETTLED ACCOUNT, then my Credit Files have been accessed and VIOLATED MY PRIVACY. 

This I believe is a PAID OFF / SETTLED ACCOUNT and should not be referenced, all my contact information should have been purged from ALL OF THEIR FILES AND RECORDS AND SERVERS. 

I am EXTREMELY ALARMED to receive this letter! This creditor has harmed my peace of mind, security, and VIOLATED ME. 
Therefore I am also requesting $ $ $ Monetary Relief for XXXX, XXXX  and 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