BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-02
Company: DISCOVER BANK
State: NY
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:
On XX/XX/XXXX I found an unauthorized inquiry on my credit report. On XX/XX/XXXX I mailed a letter to dispute inquiry with Discover, however I never received a response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-31
Company: TD BANK US HOLDING COMPANY
State: TN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I received a Target credit card invoice statement and l DID NOT apply for a Target credit card and l DID NOT charge anything! It was charged in XXXX, Indianna and l live in Tennessee. I called Target card services and my identity matched the charge. They are sending me a questionnaire to resolve the problem and are blocking the card. I used to work for XXXX XXXX and XXXX XXXX and they have terminals in that vicinity. Someone that works in the offices there must have fraudulently used my information because l havent worked for them in 2 years. According to the statement, the charge was made at XXXX in XXXX Indianna on XXXX XXXX. Target card services tol me to contact you so that you would be aware. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-09
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:
By law, I have the right to have a formal investigation performed as outlined in the Fair Credit Reporting Act. If you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you. 
Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 
I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. 
Please be advised that your failure to complete your investigation and compliance with the law may result in legal action against you. The following items need immediate attention : I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.

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 2022-12-16
Company: I.C. System, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
At the end of XX/XX/2022 ( letter was postmarked XX/XX/XXXX ) we received a letter from I.C. System, Inc. claiming they were collecting a debt of {$62.00} owed to XXXX ( XXXX ). 

We sent them a letter in the following week and then 2 weeks after that another letter by USPS Certified mail that we were never customers of XXXX and thus could not owe them any money. We asked them for proof that we were the ones that owed money. 

On XX/XX/2022 we received a response by mail from I.C. System, Inc. that they claimed was proof. It was a bill from XXXX with my same first and last name ( no middle name present ) and an address in XXXX. However, we have never lived in that state or have friends or family in that state. It is not me. 

At this point we decided to file a complain with CFPB on XX/XX/2022 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 2019-05-27
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: Information belongs to someone else

Complaint:
I have had numerous accounts still reporting inaccurate and unverified accounts on my credit report. XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, Equifax, and XXXX is reporting a account from XXXX XXXX XXXX XXXX, they keep reaging it and I never had that account opened with XXXX and I am confused on why I am being held responsible for the account. If all of the creditor 's are reporting to the same bureaus, why is the information inaccurate and their reporting different information and it is affecting my credit file and score and I am being held accountable for fraud committed against me. I want proof and I want these negative and inaccurate accounts to be removed because I haven't seen proof of me opening them and they are negatively affecting me and that is against the law. I filed a police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21
Company: Experian Information Solutions Inc.
State: MO
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 contacted Experian on XX/XX/18 to inform them that I consolidated my student loans with a new company. I disputed the innaccuracies reported out of spite by XXXX. Experian never followed up with a decision. I never received a response on the matter and XXXX has yet to stop reporting outdated information. At this point XXXX isn't sending updates and the outdated unconsolidated loans are on my credit report. So I have my student loans listed twice on my credit report because of Experian 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
Consumer complaint received 2023-01-13
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 {$1000.00}

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 2018-12-09
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On or about XXXX I received from Wells Fargo 3 seperate mailings indicating the following new accounts had been opened : XXXX XXXX Account with Checking XXXX Overdraft Protection and Savings XXXX {$5000.00} Visa XXXX XXXX XXXX XXXX I have never applied to Wells Fargo for any type of account. On XXXX I contacted their fraud department. Wells Fargo claims I made an online application for these accounts on XXXX. I have never had an online profile with them. I asked : Who's online profile was used? 
What IP address was used? 
How could these accounts be opened online with NO funding? 
How was a credit pull made since I have a credit freeze since XXXX? 
Which bureau was pulled? 
They would not answer any of my questions and referred me to the credit bureaus. 
All 3 confirmed to me credit freeze still in effect with these messages : SECURITY FREEZE :  This file has been frozen or locked at the consumer 's request. 
SECURITY ALERT : Extended Fraud Alert : Action may be required under FCRA before opening or modifying an account. Contact consumer at ( XXXX ) XXXX or ( XXXX ) XXXX. ( Note : This alert is set to expire in XX/XX/XXXX. ) PROMOTIONAL OPT-OUT : This file has been opted out of promotional lists. 
( Note : This opt-out has no expiration date. ) Identity theft victims and XXXX XXXX military personnel have additional 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 2023-04-05
Company: OneMain Finance Corporation
State: DE
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:
The manager or an employee at One Main Financial approached me with an offer to postpone my payment. I agreed, paid a fee for the extension, and was granted - as the manager ( XXXX ) at One Main stated a postponement. 

Although OneMain skipped the month, unbeknownst to me, One Main also reported the skipped payment as past due to the credit bureaus and increased their fees on the account. Consequently, it intentionally harmed my credit score.

Other One Main borrowers I know reported the same duplicitous scam by One Main, which appears to be an attempt to limit people in this class to continue borrowing from One Main since they won't have a good credit score to go somewhere else.

Over the past five years, I've never missed any payments on my cars, credit cards, student loans, or other personal loans. The only item showing missed is the scam payment extension by One Main. After refinancing the loan in 2021 with One Main, I haven't missed any payments. Still, they continue to incorrectly report a missed payments making it costly to purchase a home. There is a whole class of borrowers impacted by this scam.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-09
Company: HUNTINGTON NATIONAL BANK, THE
State: WV
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
I get a phone call about every four hours I have it on my XXXX XXXX XXXX protect and its blocked they had continued her arrest me Ive asked him to quit calling me and please only contact me by email or by letter but they still continue to threaten me telling me that Im gon na be in trouble I should know better I sign in agreement and theyre gon na take my Social Security check out of my checking account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Company: ZuntaFi Corp
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Denied loan

Complaint:
Zuntafi XXXX  for future pilots does not mention or describe any information about cosigner requirements for the pilot access loan, only allows for the option but is not required. After completing their online application for the pilot access loan, I was denied the loan because I needed a cosigner. I already have a full time job with an airline, have not defaulted on any loans, making payments on loans, and guaranteed reimbursement if I go through the program, and well above age requiring a parent to cosign a loan for a career. There is also a high demand for pilots and there should be no reason that a cosigner is required since many will have to retire.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Early this morning XX/XX/XXXX I woke up to alerts that there was a transaction made that was suspicious. I did not recognize the purchase and immediately called the number I was given, but no answer. I wasnt able to fill out something on the mobile app where I showed all the transactions that I didnt recognize and submitted it. They said they would investigate and mail me a new card. However nothing was said about a refund. I need to make sure I get all my money back for that. Im a poor college XXXX, and can not afford to just lose {$100.00} overnight cause of fraud. Please get back to me as soon as possible. Thank you

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 2021-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
XXXX XXXX obtained this account from XXXX XXXX and it was placed on Mt credit file. This account with XXXX XXXX was included in my 2018 bankruptcy so they should no longer bill me or place account in collections as of 2018. Can you please assist in removing both accounts from XXXX XXXX XXXX XXXX as it is against the law to place account that were included in my bankruptcy on my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I tried to remove my credit freeze again tonight online. I was asked to verify some information. I answered the questions correctly. At no time was I asked for the security code that I was provided when placing the freeze. I was denied access. And asked to mail verifying information. Which I have mailed previously. Then I tried to call to lift the freeze. During the call I was asked the pin number. I provided it. And was able to remove the freeze. I should not have this much trouble getting access to my file. Also Experian ( or XXXX ) sent a letter saying that I requested not to receive pre-approval offers. I did no such thing. If it was this bureau. I request that it be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07
Company: FINEX Group LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Upon seeing a collection account reported on my XXXX credit report, I contacted, by Certified Mail with Return Receipt, the collection agency called XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX ( XXXX ), on XX/XX/2017, regarding a collection account in the amount of {$1800.00}. I kindly requested them to validate the debt and give me more info on it. To date I have not received any response from them. I think the collection company is in default as they did not respond within 30 days time. In fact they never replied to my letter seeking validation and more details on my alleged debt. The collection information still remains on my XXXX credit profile and it is preventing me from moving forward, financially speaking. The collection agencies are very arrogant and defiant of consumer laws. They are under the false illusion that they are all powerful and invincible. I pray that you, the Consumer Finance Protection Bureau will reign on them and limit their power, arrogance and gross disrespect for the law. 

I can be contacted at : XXXX. 

I thank you in advance for your time and efforts in this matter.

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 2023-04-04
Company: MOHELA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I submitted an employer certification form ( ECF ) for public service loan forgiveness ( PSLF ) in XXXX of XXXX for my employment dated XXXX XXXX XXXX. I also submitted IRS tax forms confirming the organization 's status as a 501c3 because Federal Student Aid ( FSA ) 's tool showed it as an ineligible employer. I called Mohela for an update regarding this certification on XX/XX/XXXX and I was told that it was under review by the XXXX and MOHELA couldn't provide an update until XXXX had completed their review. I immediately reached out to XXXX to request an update and XXXX stated that XXXX has outsourced that to Mohela. I reached back out to Mohela ( XXXX  ) and shared the information I was given. At that time the representative stated that Mohela is the company that is reviewing these forms, but is unable to provide an update until the review is completed. It has been under review since XXXX of XXXX. It's been six months of hearing " you'll get an update in 60 days, '' " 90 more days, '' " 90 days '' and now they simply refuse to provide an update and even lied to avoid assisting me. With all of these delays, I've now been in public service for 10 years and six months.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-01
Company: EQUIFAX, 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:
There is an item from XXXX XXXX XXXXXXXX on my credit report that does not belong to me and must be removed because its a fraud item but they always return back confirming that this account belongs to me with no proof. I need this item removed from my credit report because its effecting my life and i will look into legal means if this does not get solved soon

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-03
Company: Experian Information Solutions Inc.
State: MO
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 disputed the following fraudulent inquiries on my report a few times before in accordance with FCRA, all to no prevail. It is written within FCRA law that if such companies can not present physical documentation then the disputed items shall be forever removed. I have disputed the following and no one presented any physical verification but yet the 3 major credit bureaus still reported as being true. But still no physical evidence inwhich is in direct opposition of the law stated in FCRA. The following disputed inquiries are XXXX  (XX/XX/XXXX18 ), XXXX XXXX (XX/XX/XXXX-18 ), XXXX XXXX ( XX/XX/XXXX18 ), XXXX   XXXX  ( XX/XX/XXXX18 ), XXXX XXXX ( XX/XX/XXXX-18 ), XXXX ( XX/XX/XXXX18 ), XXXX XXXX XX/XX/XXXX-18 ), XXXX XXXX, XXXX (XX/XX/XXXX-18 ), XXXX XXXX XXXX XXXX  (XX/XX/XXXX18 ), XXXX XXXX ( XX/XX/XXXX-18 ), XXXX XXXX ( XX/XX/XXXX-18 ), and XXXX XXXX XXXX XXXX ( XX/XX/XXXX18 )

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 2023-04-05
Company: Capio Partners, LLC
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Capio partners LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX continues to put a bill from XXXX XXXX XXXX on my credit report after the credit bureaus remove it from my credit bureau I have contacted XXXX XXXX XXXX they have never billed my insurance company XXXX when I gave them the information I have disputed that information not accurate XXXX never sent a bill its not mine also another collection agent asset care llc XXXX XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX XXXX XXXX XXXX is appearing on my credit report I dont know who that company and they should also be removed from my credit report this is fraud

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-27
Company: EQUIFAX, INC.
State: UT
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:
XXXX has been paid in full going on two years now. It shows collections on my credit report. I have contacted the lawyer for XXXX and all credit report agencies and they are not showing it as paid in full. 

XXXX  I am making payments of {$50.00} a month and have for quite some time now. The lawyer nor all credit reporting companies are updating this on my report that payments are being made on a monthly basis. 

XXXX XXXX XXXX : I do not recognize this company. I reached out to them about two years ago and they said this was not mine. No credit reporting agency will delete it. They said their investigation shows its mine. No proof has been forthcoming and I do not recognize this company.

Company response to consumer: Closed with explanation