BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-08
Company: EQUIFAX, INC.
State: SC
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 XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX Balance Owed : {$17000.00XXXX XXXX XXXX XXXXXXXX XXXX Balance Owed : {$6400.00} XXXX XXXX XXXX XXXX Balance Owed : {$2000.00} XXXX XXXXXXXX XXXX XXXX Balance Owed : {$15000.00} XXXX XXXX XXXXXXXX Balance Owed : {$230.00} XXXX XXXXXXXX XXXX XXXX Balance Owed XXXX {$6700.00} XXXX XXXXXXXX XXXX XXXX Balance Owed XXXX {$3100.00} XXXX XXXX  XXXX XXXX Balance Owed : {$230.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$720.00} XXXX XXXXXXXX XXXX XXXX Balance Owed : {$310.00} XXXX  BANK XXXX Owed : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance Owed : {$270.00} XXXX XXXXXXXX XXXX XXXX Balance Owed : {$310.00} XXXX XXXXXXXX XXXX XXXX Balance Owed : {$260.00} XXXX XXXXXXXX XXXX XXXX Balance Owed XXXX {$350.00} XXXX XXXXXXXX XXXX XXXX Balance Owed : {$350.00} XXXX XXXX XXXXXXXX XXXX Balance Owed : {$350.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance Owed : {$350.00} XXXX XX/XX/XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have been contacted the last several days from phone number XXXX XXXX XXXX and have a voicemail as well stating that I took out a loan with Ace Cash in XXXX XXXX tx in 2018 and never paid it back. The voicemail states that if I dont call them back, they would contact my supervisor and also advise the XXXX XXXX County and I would be taken to court. I called the phone number back and spoke to someone who was asking me for my name, dob, and last 4 of my s.s. I advised them I did not know anything about a loan, however they proceeded to tell me that I needed to have my attorney call them to settle this or they would be seeing me in court. After I denied the validity of the statement about the loan, she said okay and told me she would see me in court, then hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18
Company: WESTERN UNION COMPANY, THE
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/2018, I made an online wire transfer of {$10000.00} from a XXXX bank account I have to XXXX XXXX XXXX, an online foreign exchange trading company officially named XXXX XXXX, XXXX. My intention is to make a transfer of US Dollars to an account in Euros I have in XXXX. The USD wire tansfer was made to XXXX XXXX via an account they have with XXXX  XXXX XXXX in XXXX. They supplied me with this account router and account number and bank address by email. After my XXXX account was debited the same day, I tried to contact XXXX Transfer for help with exchanging my {$10000.00} into Euros and having them sent to my account in XXXX. Nobody knew what I was talking about and they bounced me back and forth from an agent to another for hours. They were not aknowledging the receipt of the funds for a couple of days and finally my page with their website showed that I have {$10000.00} available for transfer. However, nowhere on the platform can I use these funds for transfer. The only options they have is to pay with a new wire transfer or a new ETF out of an external account. I am now back with them to get help with my transfer or get a refund. The back and forth went on for another week with no result. Now two weeks later, I am still trying. My XXXX bank rep is telling me there is nothing they can do since I initiated the wire myself online. I threatened to get in touch with the FBI. I really don't know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16
Company: MEI AUTO FINANCE 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: Account status incorrect

Complaint:
On XXXX 's XXXX my transmission went out on my XXXX XXXX XXXX. My loan was almost paid off with 100 % on time payment history even though this is the 3rd financial situation where the vehicle broke down and I still kept my account current. Well this time when the transmission went out I was told by MEI to take the vehicle to their transmission shop. 4days later, mind you I just paid my car note, but they told me that XXXX approved for a mechanical trade at XXXX DOWN. So that weekend I went in to get to my trade so I could keep working without wasting money on XXXX. Well when I get there, of course it wasnt XXXX DWN, they wanted more money, so I had to scrape up and additional {$500.00} ( that {$700.00} in two weeks to MEI ) to drive off in the XXXX XXXX they gave me. Of course no lights or anything was on, and they wouldnt allow for you to test drive cause there is never any gas in their cars at the time of purchase, I even have text to prove this. 
They also have the audacity to run your credit again on something thats approved already through their company! Well not even 3 days after pulling off the lot the check engine light comes on. I call to set an appointment with the service center and they tell me I cant until I get my contract reinstated with MEI and XXXX. It took almost 4 weeks to get a new contract together but whats the most frustrating about this is the fact that I started receiving calls saying that I was 10days past due on the XXXX. After I explained the first rep, XXXX said ok she will notate the call. I asked her for a PAID IN FULL LETTER she said she will email her supervisor to contact me within the next few days. Nothing happend. About 6 days later XXXX called again saying I was 21days past due. I asked for his supervisor a woman named XXXX came saying she was a supervisor. I asked her for a paid in full letter, she said they MEI, dont participate in this. I told her to escalate my request because I know this should be available for a consumer period from a debt collector. I told her and the previous 3 people that this account better not hit my credit. Well I woke up the morning of XX/XX/XXXX and guess what ... MY CREDIT SCORE DROPPED OVER 50 POINTS and I missed out on closing on my house due to an issue on their end. Right now at this very moment it is still showing a negative tradeline from these crooks. Im forced to consult with a laywer at this point. Im the one taking financial losses from doing what Im suppose to do and I am still waiting on my PAID IN FULL LETTER SO I CAN HAVE MY CREDIT CLEARED.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-07
Company: Total Card, 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:
On XX/XX/XXXX XXXX XXXX XXXX initiated a hard inquiry on my XXXX credit report. I never applied for any account with this bank nor do I have any existing relationship with them in any way. I contacted the bank on XX/XX/XXXX and reported a fraudulent access into my credit report. The bank agreed that the information provided on an application does not match my correct information and that they will investigate it further and remove the inquiry from my credit report within a maximum time of 30 days. 
The 30 have passed and the inquiry is still showing on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-13
Company: EQUIFAX, INC.
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:
I have 4 Hard inquires on my Equifax credit report from unknown sources and they have not been authorized from my side. I have reached to Equifax as well about this issue but they have not resolved the issue. 

The four inquiries in question are as follows : Inquiry details XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX - XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17
Company: SLM CORPORATION
State: AL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
The loan started on XX/XX/2016 for {$15000.00} to attend college with an original interest amt. of 6.75 %. I have always maintained that I chose a fixed rate but of course they say it is a variable. I am way ahead in paying the loan off. However the closer I get the higher the interest rate goes, currently 8.125. I have called them multiple times, I have let them know I have decent credit and my cosigner has excellent credit but they tell me if I don't like it go get a loan from another institution. it is like they are going to get the original amount of money if I had stuck with their payment plan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08
Company: ID Analytics, 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 am having major issues with fraudulent addresses appearing on my credit report. 
The following addresses are not mine possibly a relative or friend. I live at XXXX XXXX XXXX XXXX OH, XXXX this is my current and only address. 
XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX I

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 2019-03-08
Company: Innovis
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 am having major issues with fraudulent addresses appearing on my credit report. 
The following addresses are not mine possibly a relative or friend. I live at XXXX XXXX XXXX XXXX OH, XXXX this is my current and only address. 
XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21
Company: V and H Portfolio
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: Account information incorrect

Complaint:
Vance and Huffman LLC, a company that I have had no contract or contact with has incorrectly reported a " seriously delinquent '' collection account as a " factoring company '' monthly since XX/XX/2020, noting the original creditor as " The XXXX XXXX '', opened XX/XX/2020. I did not open an account with The XXXX XXXX in XXXX of XXXX, and have never been in contact with Vance and Huffman LLC. The XXXX XXXX account, which included two paid on time and in full loans, is not now or was ever reported anywhere else on my credit reports. I have tried disputing this account with XXXX and through XXXX XXXX previously with no success or clarification provided. I do not agree that an incorrectly reported account which I did not open with negative history, and in collections from Vance and Huffman LLC, whom I have conducted no business with, but are based on an inaccurate and incomplete history from The XXXX XXXX, which does not require a credit score or history at qualification, nor does it report loan payment history and account status, per their website : XXXX XXXX XXXX, should be allowed to remain on my credit report and has unfairly damaged my credit score. 

I have tried for a countless number of hours to research this on my own, in addition to filing the dispute, and I am asking the CFPB for assistance contacting the company and hopefully removing this inaccurate account, or for information regarding the laws that allow these practices by collection agencies that were never reported by the original creditor, inaccurate, and incomplete. 

Thank you for your time and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-04
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:
To whom it may concern : My name is XXXX XXXX XXXX. I mailed off a copy of my ID and SSN Card for several Accounts that were open in my name FRAUDULENTLY to all three credit bureaus. None were removed. 

My FTC number is XXXX My USPS tracking numbers are Equifax XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX The accounts are listed as follows : XXXX  XXXX**** ( Original Creditor : XXXX  XXXX  XXXX  ) XXXX**** XXXX  XXXX**** Hard Inquires Type of Business Date of inquiry Credit Bureau XXXX - XX/XX/XXXX Equifax CREDIT PLUS Mortgage Reporters XX/XX/XXXX XXXX  XXXX XXXX Miscellaneous XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX Equifax XXXX XXXX  Mortgage Reporters XX/XX/XXXX XXXX  XXXX XXXX   Miscellaneous XX/XX/XXXX XXXX  XXXX XXXX XXXX Mortgage Reporters XX/XX/XXXX XXXX  XXXX Finance/Personal XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX  XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX Equifax XXXX XXXX Bank  Credit Cards XX/XX/XXXX XXXX  XXXX XXXX Bank  XX/XX/XXXX XXXX  XXXX Bank  XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX Equifax XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX Miscellaneous Finance XX/XX/XXXX XXXX  XXXX XXXX  AND XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XXXX   XX/XX/XXXX XXXX  XXXX Finance/Personal XX/XX/XXXX XXXX  XXXX XXXX Finance/Personal XX/XX/XXXX XXXX  XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX Bank  Credit Cards XX/XX/XXXX XXXX  XXXX XXXX Bank  XX/XX/XXXX XXXX  If these fraudulent accounts are not removed in 14 days. I WILL be taking the steps to seek monetary damages in small claims court.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
transunion has yet to remove a account that is not my account

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 2018-06-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have notice that the report for my credit has bwwn off trwxk. Sknce XX/XX/XXXX up until present time i have nevee done anytjinf on my ceedit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-12
Company: ERC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In 2018 enhanced recovered company tried to wrongfully charge me {$1400.00} for unknown charges from XXXX! I am no longer with sprint and no nothing of these charges so I disputed the bill! It was deleted from my credit report. Now it has returned to my report without explanation. I would like ERC to stop harassing me and remove this charge from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My legal name is XXXX XXXX I currently reside at XXXX XXXX XXXX XXXX XXXX, Alabama XXXX. I am demanding that the following account listed below be removed from my credit file as it is fraudulent & inaccurate. The credit reporting agency XXXX  faced a global security breach, resulting in millions of consumers personal information being exposed. As a result of this, I am a victim of identity theft. Under the FAIR DEBT COLLECTION PROTECTION ACT, I have the right to bring this information forth to a judge in my area, to file suit against your company for reporting this fraudulent account to my XXXX, XXXX, and XXXX credit reports. If you do not immediately remove these inaccurate and incomplete accounts in 1 business day, I will move forward with filing suit against your company and all companies  involved, as I have never done business with your organization and should not be responsible for any fraudulent accounts and information placed on my personal credit files as a result of identity theft. Over 60 days ago, I requested full debt validation from your company however I have yet to receive the legal information requested.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-31
Company: CITIBANK, N.A.
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Upon reviewing my credit report, I noticed an outstanding balance of {$170.00} from a Brooks Brothers store charge card issued by Citibank NA and closed on XX/XX/2015. I contacted Citibank in an attempt to resolve the matter. I asked to see my final statement in order to review the balance, but Citibank refused to provide it. I was told that the account is a " dead file '' and no further information could be provided. Nonetheless, I offered to make a payment in full as long as I would receive a prompt acknowledgement. However, the associate told me that a payment could only be accepted by mail and it could take up to 90 days to process, which I found unacceptable. Clearing up the derogatory information on my credit report is an urgent matter for me.

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 2020-01-31
Company: Santander Consumer USA Holdings Inc.
State: WI
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 was shocked when I reviewed my credit report and found late payment on the accounts below : XXXX XXXX - This is paid on time, XXXX and XXXX  reports all OK with not a single late remark. Please update this to current with no late remarks. 

SANTANDER - The status is incorrect. This should be current since there is no late remarks. Please update to Current or delete this. 

XXXX XXXX - This is paid on time, XXXX and XXXX reports all OK with not a single late remark. Please update this to current with no late remarks. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21
Company: Chime Financial Inc
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
I was traveling through to a natural disaster. My check card went missing but because I had access to a credit builder account I was simply transferring money as needed to my credit builder prepaid account and suspended transactions for my other account until I could get back home and safely retrieve my mail. In the middle of the natural disaster when I needed access to my money the most with full knowledge that my government benefits are deposited onto the card this provider close the card without any notice penalizing me because someone took my check card. I had already called in and emailed SUPPORT there was no reason to close the account and leave me with no way to get government benefits necessary to survive a natural disaster

Company response to consumer: Closed with explanation