BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 submitted my dispute letters to Transunion and XXXX regarding incorrect personal identifiers, negative accounts that were not mine and inquiries that I did not authorize. As of today those negative accounts are still on my credit causing a negative impact on my credit score and my financial ability to obtain credit. I have asked for validation of said accounts and have not receive the proper validation that has been asked and requires when disputing a negative mark on ones credit. I have as for the Credit Reporting Agencies to provide proof from the furnisher of said debts or DELETE from my account but I have not receive what I have requested. Items that they state by way of correspondence are still on my credit and I asked that they be BLOCKED in accordance to Section XXXX of the Fair Credit Reporting Act. I have asked directly for Transunion and XXXX compliance under the Fair Credit Reporting Act to validate accounts or remove them from my report and they have failed to do so. My next step will be to seek legal action because they have continue to violate my consumer rights under the FCRA and I have sent several request asking for validation or deletion.

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 2018-04-18
Company: NCS, Inc
State: IA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This debt came about cause of a terrible court ruling in a eviction case in XXXX XXXX. I had been living at XXXX XXXX for two years. They had had several landlord changes. They all knew ahead of time I work out of town for the summer. There is several reasons why i believe this ruling was wrong. For one they had more then enough notice knowing i would be out of town. Cause they had tried to evict me and dropped it after i told them i had phone records to show they knew cause i had called them. Two by the Iowa calculation of time the rent was paid on time. I had a hearing in which my attorney did absolutely nothing to help me. And after the hearing i lost. i did some looking myself and found out the Iowa codes and appealed the case. The judge took about three months to rule. In here ruling in which see stated the wrong facts she ruled to up hold the original judge ruling but gave me my appeal money back. i was on a month to month lease so honestly by my lease agreement which XXXX XXXX has XXXX broke the lease. My lease agreement said rent was late after the XX/XX/XXXXand a XXXX fee was added. It also says that there was a dollar a day fee UNTIL rent was paid. The amount XXXX is trying to collect from me has the XXXX fee plus the dollar a day for each day after the XX/XX/XXXXin that month. I am unable to try to get legal help any futher in court. This collection agency knows this ruling was completely wrong and has evidence there to show it. They told me if i could show the ruling was wrong they would drop it. I did. Then he said they would drop all the over charges and they haven't. They just filed a false claim in court against me saying i was hiding not to be served. They have an attorney there XXXX XXXX so they should know the law and these ruling was wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
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:
Capital one bank USA account XXXX not showing on XXXX  credit bureau. This had been removed since XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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: Problem with personal statement of dispute

Complaint:
To Whom It May Concern, This letter is a follow up to my original letter dated XX/XX/2018 regarding an inaccuracy in your credit reporting. Specifically as it relates to collections that I did not recall owing, made by the following company XXXX. I did not authorize anyone employed by this company to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and I am seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Actous breach of my privacy rights. I further remind you that, as in you may be liable for your willful non-compliance based on FDCPA Section 809 ( b ) FTC opinion letter XXXX from XXXX and protection afforded by the FDCPA. Failure to respond satisfactorily within 30 days of receipt of this letter may result in a small claims action against your 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 2018-04-18
Company: Security Credit Services, LLC
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
I received an update from XXXX XXXX stating that there was a collection added to my report. I reviewed it and was alarmed at the results. It is from a company that underhandedly purchased my account, without my permission, and made no efforts to collect on the balance. The original account was with XXXX which was another scam. I contacted XXXX  back inXX/XX/XXXX( twice ) and again inXX/XX/XXXX in making efforts to pay this bill. No attempts were made to debit the amount owed, which is why I called. Next thing I know I am blinded by this negative result on my credit report. I called this company and I got the complete run around. The last person even hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18
Company: WELLS FARGO & COMPANY
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Wells Fargo internal complaint reference number : XXXX I applied a Wells Fargo credit card in branch on XX/XX/XXXX. They declined my application for one sole reason : Not a permanent resident. ( I have 2 mail letters from them as evidence and numerous contact records as evidence. ) The truth is : I AM A PERMANENT RESIDENT. My old green card expired on XX/XX/XXXX. I filed for a new card on XX/XX/XXXX. ( The U.S. Citizenship and Immigration Services ( USCIS ) rule is that you can not apply for a new green card any earlier than 3 months before your current card expires. ) I received a XXXX letter from USCIS to extend my permanent residency till XX/XX/XXXX. After that and before I get the new green card, if I need to travel I will need to go to USCIS local office to get my passport stamped. USCIS has a long waiting period for each case to be handled. The current processing time to get a new card is 17.5-19 months. ( Please check at https : //egov.uscis.govXXXX XXXX XXXX ) XXXX is a US government issued letter to extend permanent residency. It is legal and mine is not expired. Upon receiving Wells Fargo wouldn't acknowledge my XXXX as a proof of my permanent residency and made a wrong statement that I am not a permanent resident.

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 2021-07-01
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
This is the 3rd time that I am reaching out about having my identity stolen and this account is still on my report. I have want over that this isn't my account numerous times. Last year my wallet was stolen and it contained my email and password also my social security card, my phone number and my license. My banking and routing number was stolen as well. Then when this account pop up on my report I knew that somebody actually did use my identity to open the account. They probably thought they could transfer money out but I got it blocked. Now I have this negative report that is on my report that has to come off because it is ruining my life. This is not mine why would you guys continue to let it stay. According to the FCRA 605b once account is deemed fraudulent an account must be removed within 4 days of receipt. You can't validate something that I did not benefit from that's why this account has to be taken care of right away. This account is an error all the facts are out, somebody stole my wallet and try to take my identity. I just want justice, I just want peace. I don't want to continue to be stressed over an account that's not mine. Somebody thought they can ruin my life and they did. These scammers don't care but don't let there agenda put me and my family down. Please give me peace give me justice from these criminals my life depends on it. I have attached a affidavit, FTC report, proof of identity, XXXX bless you all.

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 2018-04-03
Company: JPMORGAN CHASE & CO.
State: CA
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 am a victim of identity theft and as a results fraudulent activities happened on credit report. I disputed this account on XXXX but still This company is erroneously reporting information on my credit report.It shows the last payment was last XX/XX/2012. If the last payment was on that month, which I believe paid off the account, why would I be reported 30 days - 120 days then account got charged off? When really was the last payment? What is the correct account closed date? How much was the last payment? 

This accounts information is inaccurate and incorrect and has not been updated correctly. Please block/delete this unacceptable file from my report asap.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-03
Company: WESTERN UNION COMPANY, THE
State: LA
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Fraud or scam

Complaint:
Me and 5 other tenants had our money orders stolen from our rental drop box on XX/XX/XXXX. called western union to report. they had me pay XXXX to proses. and on the XXXX they told me it was cashed, that being said they sent me an affidavit I paid to have it notarized, gave my address, rental information and copy of police report, mailed to their office on XXXX paid for 2day delivery, Now its XX/XX/XXXX and as of yesterday they claim they still have not gotten my personal and privet info??? I called USPS and had a rep to look up tracking number ( because I paid for postage ) AND CONFIRMED IT WAS DELIVERD ON THE XXXX OF XXXX  @ XXXX!!!!! I just spoke with the postmaster in Colorado because they have opened up an investigation and told me through verification their carrier picked up my mail, and delivered it to the facility, something is not adding up I would applaud ANYONE WHO CAN HELP ME I PAID FOR FEES AND STILL HAVE MY XXXX RENT MONEY UNACCOUNTED FOR AND THEY ARE RUDELY DENIYING ME TO SPEAK WITH THE FRAUD DEPT. PLEASE HELP IT IS MY PERSONAL INFO FLOATING IN THE COUNTRY??

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX   ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03
Company: FIRST HERITAGE CREDIT LLC
State: LA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I disputed the account on my credit reports ... .... it came back " verified ''. I then sent a letter to 1st Heritage on XXXX, XXXX asking them to verify the account with my contract. I received a reply letter back from XXXX XXXX XXXX. It was just a general letter they send out. It didn't have a contract or any paperwork that I was requesting. I mailed out my 2nd letter to XXXX XXXX asking again about the contract with my signature AND also stating inaccuracies that was on my credit report. XXXX XXXX was reporting on my credit reports that date of last payment was XX/XX/XXXX but on the payment calendar it showed a payment in XX/XX/XXXX. They also had a bunch of discrepancies on the payment calendars that I stated in my letter. They replied to my 2nd letter with the SAME letter they sent out before. Not addressing any of my facts. FCRA U.S.C.1681i ( a ) ( 5 ) ( A ) ( i ) that all information must BE ACCURATE, VERIFIABLE OR BE DELETED. FCRA U.S.C.1681s-2 ... .. these furnishers have to provide ACCURATE information when reporting to the credit bureaus. I sent a final 3rd letter in attempts to get accurate information, only to be sent the SAME letter they sent the first 2 times. In my 3rd letter, I asked them to verify aspects of the acct. They were reporting different " date of last payments ' and payment history wasn't correct. I also asked for them to produce the XXXX for the accounting owed. If they claimed a loss on taxes, made any insurance claims or took a loss and not crediting the client. They sent no such information or paperwork. XXXX XXXX is not in compliance with the FCRA. We as consumers have every right to ask for verification from creditors to make sure they are reporting 100 % accurate on credit reports. I even stated what was reporting wrong on the reports and asked numerous times for XXXX XXXX to send me proof of the inaccurate reporting ... ... and I got nothing. It is companies like this that feel that do not have to comply with Federal Laws that are their to protect consumers.In their letters, it states to provide them with details regarding specific information that was incorrect. I complied with that and gave them items that were wrong. And asked them how they got the balance they got, which is wrong. They are suppose to be able to provide me this information and verify all aspects of the account and they have FAILED to do so. According to FCRA 15 U.S.C.1681s-2b ( 1 ) ( E ) ( ii ) if an item is found to be INACCURATE, INCOMPLETE, OR CAN NOT BE VERIFIED, the furnisher MUST DELETE!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27
Company: The Best Service Co.,Inc
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My identity has been compromised by somebody I do not know. Please feel free to contact me if you have any questions or concerns.

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 2018-04-18
Company: EQUIFAX, INC.
State: IL
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 demanded that the following accounts be removed from my credit report : XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX   Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18
Company: WELLS FARGO & COMPANY
State: AS
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
My Name is XXXX XXXX XXXX, on XX/XX/2018 I wired {$80000.00}, XXXX to XXXX XXXX XXXX XXXX Account number XXXX and routing number is XXXX from my account in XXXX XXXX XXXX account # XXXX not knowing that someone have hack into the email and change the account number. I went to Wells Fargo to file a complaint, they suggest me to call their 800 number and talk to wire department. when I call them this morning they said they can not do anything because i don't own the account and they are not willing to put a note of suspicious activity with this on this account so no one can be harm again, because I have receive another email telling me wired it to different Wells Fargo account. # XXXX which does not belong to XXXX XXXX XXXX XXXX. They are kind of arrogant first they accept wired money which name and account does not match, yet they don't want to help me prevent other people from being a victim.

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 2019-09-18
Company: EQUIFAX, INC.
State: PA
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 believe my personal medical informatin is being shared without my consent. I have reached out to all parties involved requesting a signed release form allowing XXXX, XXXX to have, keep, and distribute my personal medical informatin. I believe the HIPPA Privacy Act is being violated.

Company response to consumer: Closed with explanation