BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-29
Company: The Outsource Group, Inc
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
MEDICREDIT INC. a collection agency, has placed several damaging remarks on my credit report ... I have no knowledge of these alleged debts. They attempting to collect for : XXXX XXXX XXXX 3 different amounts, {$510.00}, {$550.00} and {$2200.00} I never received any written notice of this alleged debt nor did I received notice of my right to dispute or request validation of this debt ... a debt that this agency has already reported as valid when in fact it is not. 

The notice serves as my formal complaint pursuant to the FAIR CREDIT REPORTINT ACT and FAIR CREDIT BILLING ACT. 

This agency has clearly violated my rights as a consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-06
Company: U.S. BANCORP
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
o On XX/XX/2020, I returned from out of town trip and found a US Bank debit card ( XXXX XXXX XXXX XXXX ) in my name, waiting for me in the mail. I never applied for or requested this card. 
o Called US Bank to inquire about why I had received this. The rep apologized and said she was immediately deactivating the account. She said she would send written confirmation that the account had been closed. Furthermore, she told me they had seen a lot of this and that it was likely I was a victim of identity theft. She advised I file a police report and file a complaint with the FTC. 
o Called the FTC and spoke to a rep who suggested I go on their website to file a complaint and use their online tools to deal with the possible identity theft. I immediately did as she advised. 
o I applied for free credit reports from the three credit agencies. XXXX and XXXX allowed me to complete the process online and provided immediate reports to me. I was not able to do this online with XXXX and had to call to order a report. The reports from XXXX and XXXX showed no unusual or unrecognizable activity. There were no inquiries from US Bank. 
o I sent, via USPS, letters & forms to the three credit agencies requesting that they place a 7-year fraud alert on my account. I sent a copy of the FTC report along with these requests.

o I sent, via USPS, a letter to US Bank, as advised by the FTC online ID theft management tool. I requested they send me written notification that they had erroneously opened an account in my name and that they had closed the account. As of XX/XX/2020, I have not received the requested written documentation from US Bank.

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 2017-08-11
Company: HYUNDAI CAPITAL AMERICA
State: IL
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 or about XXXX XXXX, XXXX, I learned that Hyundai Motor Finance erroneously reported to XXXX and XXXX credit reporting agencies that my car loan was at least 30 days delinquent in XXXX XXXX. I called Hyundai Motor Financing to inquire about the claims. The customer service representative did not show that my account had ever been 30 days delinquent since the inception of the loan. The representative further suggested that I dispute the reported information in my affected credit report files. Shortly thereafter, I disputed the claims with both credit agencies. Around 30 days later, I learned that the reports were not changed, but simply updated. My car loan payments are due on the XXXX of every month. I plan to upload my payment history from Hyundai Motor Finance that proves that my XXXX XXXX payment was not 30 days late. In fact, the XXXX XXXX payment was made on XXXX XXXX, XXXX, according to the financing company website.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-07
Company: EQUIFAX, INC.
State: LA
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 is XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-04
Company: Capio Partners, 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:
I noticed these fraudulent accounts and inquiries on my credit reports and I've disputed them several times with the companies and XXXX, XXXX and XXXX and they are still stating these are mine without properly verifying. Please remove the following fraudulent accounts and inquires immediately, thank you.

Accounts Opened Amount CAPIO PARTNERS XX/XX/XXXX {$2100.00} XXXX XX/XX/XXXX {$890.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$120.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$760.00} Hard Inquiries XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-09
Company: WELLS FARGO & COMPANY
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 status incorrect

Complaint:
Wells Fargo has incorrectly reported a 30 day late payment. During the investigation, Well Fargo reported an audit showed that a login attempt was made on the XXXX day of the month. They also reported that the login was potentially to another Wells Fargo account. This is extremely disturbing to me because I have only have one account with Wells Fargo. 

Upon contacting Wells Fargo, they were missing my personal details ( no phone number or email was in the system ) This is clearly a system issue on Wells Fargo 's end. 

In addition to the the incorrect late payment, I never received my tax documents from 2019. The attached document shows that according to Wells Fargo that I am not the account owner of my own account. 

I was notified by a non Wells Fargo credit service credit notification on XX/XX/2019 that Wells Fargo reported a 30 day late payment. I find that Wells Fargo 's reporting was incorrect and not accurate and that Wells Fargo acted unreasonably during the attempted resolution.

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 2021-11-04
Company: TRUIST FINANCIAL CORPORATION
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:
I noticed these fraudulent accounts and inquiries on my credit reports and I've disputed them several times with the companies and XXXX, XXXX and XXXX and they are still stating these are mine without properly verifying. Please remove the following fraudulent accounts and inquires immediately, thank you. 
Accounts Opened Amount XXXX XXXX XX/XX/XXXX {$2100.00} XXXX XX/XX/XXXX {$890.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$120.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$760.00} Hard Inquiries XXXX XX/XX/XXXX Suntrust DBA Lightstream XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/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 explanation
Consumer complaint received 2019-03-02
Company: Mr. Cooper Group Inc.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Mr. Cooper changed my loan number without my consent and charged me {$1000.00} in fees. I asked who they paid, they have not provided me with a name yet. They charge me XXXX a month on my mortgage. As a result I can not make principle only payments. It would take 30 years to pay the amount meaning I could NEVER make principle only payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: EQUIFAX, 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:
This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX, TX XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TXXXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX ; XXXX XXXX XXXX Date opened : XX/XX/2021 Balance : {$4100.00} ; XXXX XXXX XXXX  Date opened : XX/XX/2021 Balance : {$520.00} ; XXXX XXXX XXXX ( Original creditor : XXXX ) Balance : {$620.00} ; XXXX XXXXXXXX Opened : XXXX XXXXXXXX XXXX Balance : {$710.00} ; XXXX XXXX XXXX Inquiry XXXX XXXX XXXXXXXX XXXX ; XXXX XXXX XXXX Inquired XXXX XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13
Company: CREDIT ACCEPTANCE CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
In XX/XX/XXXX, I was contacted by email by the company Credit Acceptance regarding a vehicle purchase from their dealership in Arizona. I responded to the email with inquiry as to how a vehicle was purchased in my name when I don't possess a driver 's license and have never been to the state of Arizona. 
I was sent a packet with the loan details inside with address on the contract as : XXXX XXXX, XXXX XXXX XXXX, XXXX, Arizona XXXX. The seller information as : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, Arkansas XXXX. The information on the vehicle as : Used XXXX XXXX XXXX XXXX XXXX - Color ( White ) - VIN - XXXX - Odometer Reading - XXXX. 
The company also sent a fraud packet for me to complete however they need me to provide my identification card and social security card copies because the account could not be pulled up on the automated system by my social security number. Also, the person whose name is on all of the documentation no longer works for the company.

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 2021-01-29
Company: Rausch, Sturm, Israel, Enerson & Hornik, LLP
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX and their Attorneys Rausch and Sturm have repeatedly been supplied with the attached reports repeatedly. They have ignored them and continue to threaten me both via the US Postal Service and by phone. They have repeatedly lied to both the CFPB and state officials. It has to stop. 

These identity theft and police reports apply to all identity theft debt INCLUDING the three XXXX  XXXX  that XXXX XXXX XXXX and Rasuch and Sturm have tried to collect on : 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 explanation
Consumer complaint received 2022-12-16
Company: AMERICAN HONDA FINANCE CORP
State: HI
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:
Upon reviewing my updates, the incorrect information ( inaccuracies ) was still found on my reports, which I believed has been taken care of due to the multiple written appeals I sent as well as phone calls made to XXXX. I often get dropped calls. No response was ever received from them to date. Thus, their action has violated the Privacy Act of 1974 and the Fair Credit Reporting Act as follows According to Internal Revenue Services a charge of is a cancellation of debt, certificate of indebtedness, and is reported as income. Income is not to be reported on credit reports but should be reported to the Internal Revenue Services.

16 USC 313.1, 16 CFR 31 After having opted out, my information has continued to be shared and posted on my report by these reporting agencies 15 USC 1681a ( d ) ( 2 ) ( i ) does NOT include any report containing information solely as to transactions or experiences between the consumer and the person making the report. 

15 USC 6802b, as I have informed the credit reporting agencies XXXX, XXXX AND XXXX that I have opted out with various companies to NOT share my information. 

15 U.S.C 1681 can not report inaccuracies and also states a consumer reporting agency can not furnish an account without a written instruction.

15 USC 1681b in accordance with the written instructions of the consumer, which has been provided to each financial institution and reporting agency 15 USC 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized.

The Privacy Act of 1974, 5 USC 552a, my privacy has been violated.

15 USC 1681s, A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. the information is, in fact, inaccurate.

The following items listed below are still reporting on my Credit Reports and need to delete and or updated immediately and indefinitely as follows

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30
Company: BAM Management US Holdings Inc.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I moved my coins from my XXXX XXXX wallet to Binance us wallet on XX/XX/2021 in order to trade them later and after XXXX days I was not able to trade, transfer back to my wallet, I also can not withdraw my money to my bank. When I attempt I get an Error message : Rejected, Withdrawals suspended due to risk management. I also get a message Trading has been suspended when a try to trade my other coins. It's been XXXX weeks and I still can not do anything. I haven't gotten any response from support regarding this issue after sending several support tickets. I am concern I will never be able to get my money and feel they have taken my XXXX as XXXX. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX no phone listed

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-06
Company: Credit Card Acquisitions Group
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:
On XXXX I received a call from someone claiming to be attorneys office asking if I seen most recent credit report where XXXX XXXX XXXX was added to my report. I stated no and was told I still had a balance that a lien was put on my house for the amount owed. I stated I wasnt aware of such and I would have to look into as the loan was paid. I was given no options other to pay right then. I checked my credit once I got home from work to find this on my credit. I went to dispute it through the credit bureau and it came up it was disputed in XXXX which is odd if I wasnt aware of this and it was showing it was added to my report in XXXX. I believe this person who claimed to be an attorney could be a scam looking for money may have had this so called disputed through their company knowingly i would dispute it through the credit bureau so i couldnt do anything with it and have to pay. However they offered me no other information on this account. So Im looking to dispute this on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XXXX/XXXX/XXXX I received alerts on my trans union monitoring service that my report had been pulled in response to a credit line increase on one of my credit cards with XXXX XXXX Upon checking I noticed my report was pulled 3 times. I called to discuss it and they said they were n't able to generate a report so they wo n't count. Further more they pulled XXXX the same day as I was on the phone with under writing to process the request. On XXXX/XXXX/XXXX I received another alert and upon checking noticed XXXX new pulls on my report. Again I called XXXX XXXX and was told they did n't pull my report and to contact Trans Union. I called and they said I need to call XXXX XXXX because they are in fact hard pulls done by XXXX XXXX I do n't know what to do at this point because each is pointing the finger at the other but I have XXXX unnecessary credit pulls in 2 days and 1 on XXXX for a simple credit line increase.

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 2018-09-18
Company: National Credit Systems,Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Attn : XXXX XXXX, XXXX XXXX and XXXX Please see attached supporting documents. National credit systems INC has falsely accused me of debt that does not belong to me. An application of a lease does not legally bind one responsible for debt unless a legal lease was issued and signed between lesser and lessee. 
XXXX properties can not produce an official copy alleged lease because XXXX properties never legally issued a lease agreement in my name. 
Falsely stating there is a judgment against me is a complete lie. If the judgment was issued for my alleged lease the Lessor would have contacted me year and a half ago. It will also be reported to the credit bureaus. 
This company purchased my old records to use Poor unregulated tactics to have me given in to their fraudulent debt. This company has over XXXX complaints on Better Business Bureau with additional XXXX complaints within the last 12 months, and terrible reviews on XXXX. 
The only person I will allow legal communication with is XXXX XXXX, XXXX XXXX the department managers and XXXX the department supervisor to notify me via phone or by mail to let me know the collection account has been removed from both credit bureaus. 

This error has affected my financial health tremendously. I have an active investigating with the credit bureaus and also with my local police department. 
XXXX XXXX from XXXX XXXX XXXX does not have the legal right to contact me via phone, email or by mail after receiving this notice. 

If National credit systems INC does not remove their collection error off Equifax within 30 days from receiving this letter. My attorney will then being the legal process to rightful sue this company for fraud, defamation, legal fees and emotional stress. 


Thank you, R L

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06
Company: Experian Information Solutions Inc.
State: KS
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:
Experian as well as XXXX have repeatedly refused to investigate and remove an account for on my Experian Credit report listed as XXXX since XX/XX/2016 that was due to Identity theft. The only update they have done is incorrectly listed the account as Discharged in Bankruptcy. I have provided the attached ID Theft affidavit multiple times to Experian and they have failed to properly investigate each and every time and have failed to remove the account from my report as required by federal law.

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 2020-09-06
Company: CL Holdings LLC
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
While reviewing my credit report, I noticed a collection account in the amount of {$810.00}. I have attempted to write the company to validate this debt but has note received a response. I have proof that the company received my certified letter on XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-06
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
In XX/XX/2020 I discovered a collections reporting on my Equifax report that wasnt mine. I sent a validation letter to the collections agency and they sent back a document with a forged signature and a date of birth that didnt match mine. I disputed with Equifax and asked that they send proof of the account being mine. They removed the account then it returned in XXXX. I filed an FTC report and mailed Equifax a copy via certified mail. They removed the account but then it came back again. I called and was told it came back because the company is still reporting as mine but since Equifax had the FTC report on file I was told it would be blocked from returning. Now Im trying to buy my first home after experiencing identity theft and homelessness and the collections has returned to my Equifax.

Company response to consumer: Closed with explanation