BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-27
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:
The reporting agencies known as XXXX, XXXX, and Transunion continue to report inaccurate information about my credit account known as XXXX XXXX XXXX XXXX. The account is being reported as charged off and with several late payments. I have sent several letters and proof to the reporting agencies and have not gotten them to update the account or remove it. Under the Privacy Act of 1974 I the federally protected consumer have the right to opt out of any of my non public information from being reported without my consent. Additionally the reporting agencies are required to send me opt out notices every thirty days, I have not received any notices. The reporting agencies are not reporting the same information for this account, which is also a violation of the Fair Credit Reporting Act which states they must maintain 100 % accurate information. This account is not charged off it has been XXXX as agreed upon.

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 2020-07-30
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is the first time I have encountered identity theft. I have no idea who could have done this to me. As I pulled my report, I saw an outrageous amount of accounts under my name that are not mine. Please delete these items from my report XXXXXXXX {$310.00} XXXX   XXXX {$8900.00} XXXX XXXX {$670.00} XXXX  XXXX {$670.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is the first time I have encountered identity theft. I have no idea who could have done this to me. As I pulled my report, I saw an outrageous amount of accounts under my name that are not mine. Please delete these items from my report XXXXXXXX {$310.00} XXXX   XXXX {$8900.00} XXXX  XXXX {$670.00} XXXX  XXXX {$670.00}

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 2021-06-03
Company: TMX Finance LLC
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
I took a loan for XXXX I pay XXXX and my balance is still XXXX is not right please I need help the place is title loan phone number is XXXX XXXX XXXX or XXXX XXXX. I know this place is doing things illegal please can you guys do an investigation?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I HAD CONTACTED TRANSUNION NUMEROUS TIMES REGARDING MY CREDIT REPORT ON XX/XX/2023 ON XXXX, XX/XX/2023 AGAIN ON XXXX ; ALSO I WROTE A LETTER REGUARDING THIS ISSUES THAT ARE AFFECTING MY CREDIT HISTORY. A FRAUD ALERT WAS PLACED ON XXXX, XXXX  AND AFTER THAT MANY IMQUIRIES WAS PLACED. THERE ARE 6 HARD INQUIRIES AND NONE ARE MADE BY ME. THAT IS AFFECTING ME DRASTICALLY TO THE POINT THAT MY SCORES WENT DOWN BY XXXX POINT .. AT THIS POINT I AM VERY DISAPPOINTED BY TRANSUNION THEY CLAIMED THAT THEY CAN NOT REMOVE NONE OF THE INQUIRIES WITHOUT ME GETTING A LETTER LETTING THEM KNOW THAT I DONT HAVE ANY ACTIVE ACCOUNTS.

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 2020-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 want to report that somebody has used my identity to open accounts in my name without my consent, this report is produce to dispute these fraudulent accounts, that has damage my credit record, Please note these incident for future references.

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 2019-03-05
Company: Midwest Recovery Systems
State: HI
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 filed a dispute with XXXX XXXX XXXX on XX/XX/19 regarding Midwest Recovery Systems alleged collection for {$1000.00}. XXXX notification response indicated the collection is accurate. 

I contacted Midwest Recovery Systems today on XX/XX/19 and reported this is false and identity theft as I have never opened this type of account. I also requested hard copies of the original contract to review for myself the validity of this as I know I did not apply or take out this type of loan. The company kept transferring me and did not respond with the information I requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05
Company: Blackhawk Network Holdings Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
Received a reward gift card for my birthday from my mother in law in XX/XX/XXXX. I had not attempted to use it/activate it until XX/XX/XXXX. I did not realize there was a valid through date on the card. It was only valued at {$21.00} because of expired monthly fees. I was even more shocked to find a {$15.00} to re-issue a new card with valid thru date.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-13
Company: Kriya Capital, LLC
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Credence Resource Management XXXX XXXX XXXX XXXX has reported to XXXX, XXXX and XXXX for what shows as my identity being stolen to open an account account I did not Authorized. 

Account : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-05
Company: WELLS FARGO & COMPANY
State: CO
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
Wells Fargo has been harassing me and calling me at my job to " collect '' on payments that I have been making. They assign late fees after the fact and then call as if I have not made a payment. In the last two weeks I have received phone calls once on the XXXX of XXXX and once XXXX for a payment I have already made within the 10 day grace period of making the payment. Yet I still get a late fee for this payment. They make it impossible to call about the loan because they continue to transfer you different places. I have requested to change my payment date and they would not do it without me making a payment that forced an overdraft and still have not updated the due date to better fit when I get payed so I can avoid these issues. I was also told that a late fee would be waved but they have not waved any which further makes this cycle a problem. Statements are impossible to read/understand and they just make you feel XXXX for asking any questions so it is hard to know what is going on and what is right or wrong. I am sure they are taking advantage of me and harassing me at my job and I feel like I have no way to stop it. They are an awful 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 monetary relief
Consumer complaint received 2019-03-05
Company: Receivables Management Partners, LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The below information is being reported to my credit report and is not correct. The company also has broken HIPPA rules by disclosing private health information to the public. I do not owe this company any money, I requested information and signed itemized invoicing to prove such amount owed. Too date nothing has been sent and adverse information is being reported to my credit report.

ADVERSE ACCOUNTS Adverse information typically remains on your credit file for up to 7 years from the date of the delinquency. To help you understand what is generally considered adverse, we have added >brackets< to those items in this report. For your protection, your account numbers have been partially masked, and in some cases scrambled.

RECEIVABLES MANAGEMENT PARTNERS LLC # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX ( XXXX ) XXXX Placed For Collection : XX/XX/XXXX Responsibility : Individual Account Account Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : {$190.00} Date Updated : XX/XX/XXXX Original Amount : {$190.00} Original Creditor : XXXX XXXX XXXX XXXX ( XXXX XXXX ) Past Due : {$190.00} Pay Status : >In Collection< Remarks : ACCT INFO DISPUTED BY CONSUMR ; >PLACED FOR COLLECTION<

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I sent a letter to you disputing this item was erroneous and fraud on XX/XX/2021 and mailed them. I received notice in the mail that you received the dispute letter. It is now XX/XX/2021 and I have not received a response from you. You have not complied with the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ),

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04
Company: EQUIFAX, INC.
State: WA
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:
My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Upon reviewing my updates, incorrect information was found in my reports. The EQUIFAX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : 1. XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX ; 2. XXXX Inquiry Date XXXX. XXXX, XXXX ;

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25
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: Investigation took more than 30 days

Complaint:
I sent out letters to the credit companies ( XXXX, XXXX, and Experian ) on XX/XX/2020 demanding to see verifiable proof ( an original consumer contract with my signature on it ) they have on file of the accounts they have listed on my credit report. It is XX/XX/XXXX, ( more than 30 days ), and their failure to positively verify these accounts has hurt my ability to obtain credit. Under FCRA, unverified accounts must be removed and if they are unable to provide me a copy of the verifiable proof, they must remove the accounts they have listed on my credit report.

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 2023-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
XX/XX/2022 I went to my courthouse to ask if they report bankruptcies to the credit bureaus. They gave me a letter stating They do not report any bankruptcies to anyone. So if thats the case. How did the credit bureaus verify my bankruptcy as XXXX XXXX Accurate? They never did a fair investigation according to 15 USC 1681.

The credit bureaus violated my given rights under 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

According to : 15 U.S.C 1681 section 602 A ( 4 ). I have the right to privacy.

According to : 15 U.S.C 1681 Section 604 A ( 2 ) : A consumer reporting agency can not furnish an account without my written instructions.

According to : 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

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 2023-01-11
Company: EQUIFAX, INC.
State: IN
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:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05
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 was result of identity theft

Complaint:
I reported to the FTC about a Name being listed on my credit report as if it was my name, it states also known as. This name is associated with an account that was opened with XXXX XXXX XXXX  and then sold to LVNV funding, they are now reporting this name and this account on my personal credit report with XXXX, XXXX and XXXX XXXX have removed this account already, but XXXX has not and the collection agency continues to report this account as mines even though the names are similar but different. I t is affecting my ability to raise my credit and look responsible to employees and creditors, I would like it removed. The account was opened inXX/XX/XXXX for the amount of XXXX, I disputed this account back inXX/XX/XXXX andXX/XX/XXXX, I also included a statement on my credit report and file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-03
Company: HW Holding, Inc
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX I sent a letter to Hunter Warfield because they appeared on my credit. They did not respond to that letter with validation of the debt until XX/XX/XXXX. They are not the credit bureaus, they do not have 35 days to respond to a dispute like the credit bureaus do. They have 30 days from the date of the request for validation as per the FDCPA. They have different reporting guidelines because they are the account reporter. IF they could not provide validation to me within 30 days of the request, as the laws states. They must both remove the account and cease and desist all collection activity. They have violated the FCRA and FDCPA and I want Justice

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 2020-01-25
Company: Creditor's Collection Service, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I called several times to the medical office and gave my insurance information to the hospital and the doctor had 6 months to file insurance and his company never filed the insurance on time thus XXXX XXXX XXXX XXXX refused to pay medical charges it was pass time to file. XXXX XXXX XXXX XXXX called the company and told them remove collections because it was not authorized.

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 2019-06-02
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Experian serves me a thin creditor with none of my accounts showing, but they serve potential creditor savior file with information that is not correct in relation to one single and incorrect late payment to XXXX XXXX in XX/XX/XXXX. 

because I CAN NOT pull a property posted file, I can not dispute it which is causing Major business difficulty as need financing now.

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 2019-03-05
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I've been a victim of an internet scam through Wells Fargo online ATM ACCESS APP. On XX/XX/2019 three fraudulent ATM check deposit totaling {$800.00} was made to my account at a Wells Fargo XXXX GA branch location. 
These items was later returned and charged back to my account causing his account to go negative {$400.00}. 

However, I strongly believe that the loss/fraud could have been prevented had Wells Fargo Bank not choose to approved an EFT debit against uncollected funds.

The fact that Well Fargo placed the an extended hold through XX/XX/2019, on all three of the deposits in question, is evident that Wells Fargo was aware that the account may have been compromised or a victim of fraud.

There were numerous red flags that the account was clearly a victim of potential fraud.

( 1 ) The transactions was out of my normal account activities, ( 2 ) The  deposits was made at an XXXX GA branch location ... my account is base in California. 
( 3 ) The balance in the account at the time of the deposits.

( 4 ) The transaction type & amount.

( 5 ) No payee name on the checks.

( 6 ) I didnt signed the checks.

An extended hold is placed on an account for one reason and one reason only and that is to prevent possible fraud/loss. Had Wells Fargo complied with the extended hold as stated in the notice that was mailed to me, the EFT debit on XX/XX/XXXX should have never been approved. As my financial institution Well Fargo has failed to safeguard my account after being made aware of possible fraudulent activities being conducted out of state and has allowed my account be to further victimized. WFB also failed to comply with their own extended hold policy by approving the ETF transaction to be paid against unavailable funds. 

The hold notice clearly states that the total deposit was unavailable for withdrawals until XX/XX/2019. Theres no mentioning to the fact that an amount less than the total deposit was being held. Therefore no transactions should have be process through the account. Furthermore I did not opt into any type of overdraft program or Reg. E overdraft. 

No another note, on XX/XX/XXXX @ XXXX a Rep from Wells Fargo call my from XXXX #, being very accusatory, yelling and very unprofessional after I repeatedly told her numerous time that I did not made those deposits. Wells Fargo owes me an apology.

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 2020-11-25
Company: Ogden Holdings, LLC
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
when the pandemic started i lost my job and attempted to communicate with Caviler Finance to see my payment options. the manager started on XX/XX/XXXX with texting me from her personal number threatening me to bring the cops with her to my house to take my collateral, she has contacted my referances and told them all the information what my balance was, how far i was behind, what the origanal balance was. when i asked for the home office number she refused to give it to me, so i had to contact another branch and when i contacted the home office i was told by the VP of the company that he did not have time to work with me, my only option was to work the the XXXX office.when i asked if he liked when his employees talked to their customers like that he said " thats not my problems, this is how things will be handled '', he stated that he can come take my collateral because i broke 2 payment promises even though i have tried to continue to communicate with them to try to work with me. they are intimidating people by threatening them with jail, this is highly unprofessional and highly illegal. i have mulitple screenshots of the texts. the last payment i went and paid she wrote me a hand written reciept and did not post the payment that day. she has called me multiple times in an hour. i have dropped a cease and desist in the door of the company to not contact me further until this issue is resolved

Company response to consumer: Closed with explanation